💸 Revenue-Linked Financing In A Growing Kids Stem Group | S$250K | ~16-17% Irr, Asset-Secured

Revenue-linked advance

𝗘𝗱𝘂𝗚𝗿𝗼𝘄.𝘀𝗴 | 𝗥𝗲𝗳𝗲𝗿𝗲𝗻𝗰𝗲: 𝗘𝗚𝟭𝟲𝟮 | 𝗪𝗵𝗮𝘁𝘀𝗮𝗽𝗽/𝗖𝗮𝗹𝗹: 𝟴𝟬𝟴𝟴𝟭𝟮𝟬𝟭

This is a revenue-linked financing opportunity, not a business sale. A growing Singapore STEM and robotics enrichment group is seeking up to S$250,000 of capital against the pooled monthly collections of its two strongest, trading centres. The investor is repaid as a fixed share of what those centres actually collect each month, capped at 1.30x of the advance, and secured by a charge over the centres' tangible assets. The indicative return is roughly 16 to 17 per cent IRR over about 41 months. In effect, this is private-credit-style exposure to a recurring-fee education business that is growing 25 to 70 per cent year-on-year.

𝗧𝗵𝗲 𝗕𝘂𝘀𝗶𝗻𝗲𝘀𝘀
The group runs STEM and robotics enrichment programmes for children aged 3 to 16 across several Singapore centres, plus a curriculum-licensing arm. It is mid-way through an asset-light pivot and is retaining its two strongest sites, which back this financing.

𝗪𝗵𝗮𝘁 𝗧𝗵𝗲 𝗩𝗲𝗿𝗶𝗳𝗶𝗲𝗱 𝗗𝗮𝘁𝗮 𝗦𝗵𝗼𝘄𝘀
- 📈 Group revenue growing 25 to 70 per cent year-on-year (monthly comparisons, January to May, 2025 vs 2026)
- 👨‍👩‍👧‍👦 Students up from 224 to 328 over fifteen months, roughly 46 per cent
- 🏢 The larger, steadier centre collects around S$53k a month (verified trailing twelve months), with modelled monthly operating profit of about S$13k
- 🏪 The smaller centre collects around S$26k a month (verified trailing twelve months)
- 💵 All collections figures are real cash receipts from twelve months of actuals, not projections

𝗧𝗵𝗲 𝗦𝘁𝗿𝘂𝗰𝘁𝘂𝗿𝗲 (𝗿𝗲𝗰𝗼𝗺𝗺𝗲𝗻𝗱𝗲𝗱 𝗼𝗽𝘁𝗶𝗼𝗻)
- 💸 Advance: S$250,000
- 🔁 Repayment: 10 per cent of the two centres' pooled monthly collections
- 🧮 Cap: 1.30x of the advance, after which the obligation is satisfied
- 📆 Term: approximately 41 months
- 📊 Indicative investor IRR: 16 to 17 per cent
- 🔒 Security: a charge over the centres' tangible assets only. No corporate guarantee, no SPV, no lock-box
- 🏦 Mechanic: a standing instruction from the existing operating account, a one to two month reserve buffer refunded if there is no default, and a profit-participation backstop on default

Two single-centre options are also available: the smaller centre alone (S$150,000 at a 15 per cent share) or the larger centre alone (S$250,000 at a 12 per cent share), each at roughly 13 to 14 per cent IRR.

𝗪𝗵𝘆 𝗜𝘁 𝗪𝗼𝗿𝗸𝘀
Pooling a steadier, larger centre with a smaller, more volatile one smooths the monthly receipts the investor is repaid from. The steadier centre's modelled operating profit alone covers the combined monthly share before the smaller centre contributes anything. The return is capped and defined, the structure self-amortises from real collections, and the security and mechanics are deliberately low-friction: a charge over centre assets and a standing instruction from the existing account, with no SPV, no lock-box and no corporate guarantee.

𝗦𝘂𝗶𝘁𝗮𝗯𝗹𝗲 𝗙𝗼𝗿
- ✅ Private credit funds and specialist lenders seeking asset-secured, capped, self-amortising exposure
- ✅ Investors comfortable with revenue-based financing in a growing SME
- ✅ Education or services investors who understand recurring-fee enrolment economics

💸 Amount sought: S$250,000. The verified data pack and full terms are shared under NDA.
This is indicative only and is not an offer of securities or financial advice.

☎️ Contact us at 80881201 to review the data pack and discuss terms.
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