For lenders, grant assessors & partners
A capital stack with almost nothing at risk.
The group launches on grants, state tuition funding and franchisee capital — with founder equity fully preserved and a single modest bank facility as the only external commercial ask. This page summarises the case; the full plan and models are shared directly on request.
Business Plan & Investment Case
Full plan, financial model, stress-test architecture and a pre-answered lender due-diligence pack · shared on request
The plan contains commercially sensitive modelling, so we share it directly rather than publish it. Requests from funders, lenders and assessors are answered the same day — please include your organisation and the facility or programme you are assessing.
The capital stack
Every pound from its natural source.
Grant-funded and state-subsidised
A non-dilutive grant stack capitalises the academy build-out, with recurring Welsh Government tuition and apprenticeship funding providing delivery income once registrations complete. Asset-locked, dual-signatory, regulator-audited.
Self-capitalising by design
Each incoming franchisee’s licence fee funds that unit’s own deployment, with a per-unit surplus accumulating as working capital. Royalties are extracted automatically at the point of sale. The only external ask is a modest bank facility for one-off setup.
The model is stress-tested over a 60-month horizon under compounding adverse assumptions — revenue −20%, fleet −30%, operating costs +7 points simultaneously — and the single-unit economics remain cash-positive in every modelled month after month seven. Full architecture in the plan.
Governance
Built to be audited.
- Asset lock and codified social mission on the education arm; surpluses reinvested
- Dual unrelated signatories on academy accounts — a strict grant prerequisite, adopted from day one
- Arm’s-length contracts and documented conflict-of-interest protocols between the entities
- GDPR and PCI compliance inherited from globally audited platform vendors
- Corporate-leased fleet keeps brand assets under group control
Due diligence
Ask us the hard questions.
The plan was written downside-first, with lender due-diligence questions answered in advance and every technology cost verified against published vendor pricing. Supporting models, cost sheets and policy documentation are available to assessors on request.
Mark Parker, Chief Executive Officer · markp@charlotteeleanorgroup.uk