Description
๐๐ฑ๐๐๐ฟ๐ผ๐.๐๐ด | ๐ฅ๐ฒ๐ณ๐ฒ๐ฟ๐ฒ๐ป๐ฐ๐ฒ: ๐๐๐ญ๐ฒ๐ฎ | ๐ช๐ต๐ฎ๐๐๐ฎ๐ฝ๐ฝ/๐๐ฎ๐น๐น: ๐ด๐ฌ๐ด๐ด๐ญ๐ฎ๐ฌ๐ญ
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.
๐ง๐ต๐ฒ ๐๐๐๐ถ๐ป๐ฒ๐๐
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.
๐ช๐ต๐ฎ๐ ๐ง๐ต๐ฒ ๐ฉ๐ฒ๐ฟ๐ถ๐ณ๐ถ๐ฒ๐ฑ ๐๐ฎ๐๐ฎ ๐ฆ๐ต๐ผ๐๐
- ๐ Group revenue growing 25 to 70 per cent year-on-year (monthly comparisons, January to May, 2025 vs 2026)
- ๐จโ๐ฉโ๐งโ๐ฆ Students up from 224 to 328 over fifteen months, roughly 46 per cent
- ๐ข The larger, steadier centre collects around S$53k a month (verified trailing twelve months), with modelled monthly operating profit of about S$13k
- ๐ช The smaller centre collects around S$26k a month (verified trailing twelve months)
- ๐ต All collections figures are real cash receipts from twelve months of actuals, not projections
๐ง๐ต๐ฒ ๐ฆ๐๐ฟ๐๐ฐ๐๐๐ฟ๐ฒ (๐ฟ๐ฒ๐ฐ๐ผ๐บ๐บ๐ฒ๐ป๐ฑ๐ฒ๐ฑ ๐ผ๐ฝ๐๐ถ๐ผ๐ป)
- ๐ธ Advance: S$250,000
- ๐ Repayment: 10 per cent of the two centres' pooled monthly collections
- ๐งฎ Cap: 1.30x of the advance, after which the obligation is satisfied
- ๐ Term: approximately 41 months
- ๐ Indicative investor IRR: 16 to 17 per cent
- ๐ Security: a charge over the centres' tangible assets only. No corporate guarantee, no SPV, no lock-box
- ๐ฆ 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.
๐ช๐ต๐ ๐๐ ๐ช๐ผ๐ฟ๐ธ๐
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.
๐ฆ๐๐ถ๐๐ฎ๐ฏ๐น๐ฒ ๐๐ผ๐ฟ
- โ
Private credit funds and specialist lenders seeking asset-secured, capped, self-amortising exposure
- โ
Investors comfortable with revenue-based financing in a growing SME
- โ
Education or services investors who understand recurring-fee enrolment economics
๐ธ 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.
โ๏ธ Contact us at 80881201 to review the data pack and discuss terms.
Visit Edugrow.sg or let us know your mandate.
Singapore 
