Our RANS program is designed for schools with a long, proven track record. Your school issues the RANS with the help of your financial adviser. CAM will be the single investor and purchase the notes. Your school receives the proceeds and repays the note over time. RANS are like a bond issuance, except without the real estate component.

Most states have agencies in place to help schools make these public offerings. In California, for example, RANS can be issued via the California School Finance Authority and a few other agencies. RANS have low interest rates, are medium term, and are often tax-exempt which can create huge benefits to your school. Talk to us and see if your school qualifies.

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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Talk to us about getting your school funded

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