Helping charter schools reach their full potential via sound lending and investing practices.
CAM’s mission is to help all charter schools reach their full potential via sound lending and investing practices. CAM is a private investment fund driven by this social mission. CAM offers lines of credit, term loans, factoring, and a variety of financing programs designed specifically to fit the needs of all charter schools. In addition to independent charter schools, we fund charter management organizations (CMOs), networks, independent study programs, startup charters, and blended learning schools.
Factoring is a short-term financing tool where CAM purchases your school’s future state-aid and advances the capital to you now. Factoring is great to fuel enrollment growth, mitigate state-aid deferrals, and bridge cash gaps. Although factoring is fast and reliable, we recommend using it for urgent situations and as a last resort.Read More
This is CAM’s flagship program. A line of credit is a revolving loan that runs between 1 to 5 years. Once the line is open, your school can drawdown at any time. The school makes monthly payments based on an average outstanding balance. Our revolving line of credit is low-cost, flexible, and ideal for general working capital purposes.Read More
In a term loan, the full loan amount is funded upfront. The school makes fixed monthly payments amortized over the duration of the loan. Term loans are between 1 and 5 years and are ideal for capital projects like tenant improvements and other expansion purposes.Read More
Start-up capital is for new charters seeking seed money before launch. It is funded in the spring of the year zero. Start-up capital can be factoring or small term loans.Read More
Pre-bond financing is a medium-term financing tool that helps bridge to a bond issuance. CAM loans your school the funds you need for pre-development and other bond issuance related costs. The bond then takes out CAM’s loan.Read More
Think of us as a specialized bank with funding programs designed to fit the needs of charter schools. We have expertise in charter school finance which allows us to assess the creditworthiness of your school and offer a tailored funding program. In comparison, traditional banks are unable to address the unique funding needs of charter schools due to collateral package constraints and the lack of charter finance knowledge. Most importantly, though, we share your dream of building a thriving school with successful students and inspired teachers.
Our financial products are low-cost, reliable, flexible, and sustainable. Our team is committed to openness, transparency, and sound lending and investing practices.Learn More
The charter school movement is thriving. Parents, students, and communities nationwide are realizing the benefits of school choice.
Charter schools face many unique challenges financially and politically. As charter schools and networks continue to expand across the nation, these challenges will be amplified.
CAM stands ready to offer the best solutions for these changing challenges, to help charter schools find firm footing financially, leverage key resources, and build their ideal school.