Charter Asset Management is Your Charter School Funding Source

CAM’s mission is to help 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 charter schools.

CAM’s mission is to support the growth and innovation of charter schools with reliable funding provided in an honest and transparent way. They believe that charter schools have created a paradigm shift in the US education system – and we want to make sure charter schools continue changing how we look at education.


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Funding Programs

factoring Factoring

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.

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lines-of-credit Revolving Line of Credit

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.

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term-loans Term Loans

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.

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start-up-capital Start-up Capital

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.

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Pre-Bond Financing Pre-Bond Financing

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.

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Revenue Anticipation Notes Revenue Anticipation Notes

For charters with a proven track-record, the school can issue RANS via a public authority. CAM then buys the notes and funds your school. This is a medium to long term solution with the best rates.

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Over $1 billion funded to more than 350 charter schools and networks nationwide


Why Choose CAM?

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.

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Charter Schools

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.

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