Charter School Capital
Charter School Capital, d/b/a Grow Schools, is a U.S. specialty finance firm that provides charter schools with facility financing, working capital loans, and enrollment marketing services through direct sales and BOP/CMO channel partnerships.
- Company typePrivate
- Founded2006
- HeadquartersBeaverton, United States
- Headcount51–100
- GTM typeB2B
- OfferingServices
What Charter School Capital does
Charter School Capital, operating commercially as Grow Schools, is a U.S.-focused specialty finance and services firm that provides charter schools with facility financing, working capital loans, and enrollment marketing support. Founded in 2006 and headquartered in Beaverton, Oregon with a Delaware corporate domicile (Charter School Capital, Inc.), the company targets a narrow, underserved buyer: charter school leaders who need capital and operational support that traditional banks do not readily provide. The firm has roughly 51-100 employees and operates under California Finance Lenders Law license #603F028 and Florida Commercial Collection Agency license #COM9900288, with an additional UK-registered entity (Grow Schools, England Incorporation Number 14423156).
Its core offering is a three-product platform: "Money to Buy Your School" (facility financing with closings reportedly achievable in as few as 90 days), "Money to Run Your School" (working capital for payroll, supplies, and facilities), and "Kids to Fill Your School" (customized enrollment marketing services). The platform serves school leaders as the primary end customer, with secondary channels through Back Office Providers, Charter Management Organizations, school property owners, and commercial real estate brokers. The company has raised approximately $48.6 million via a Regulation D securities offering (against a $50 million target) to fund lending activities, and publishes a weekly newsletter reaching more than 14,000 school leaders.
The business model combines capital-intensive lending (interest and fee income on deployed loan book) with a smaller professional-services revenue stream from enrollment marketing. Pricing is quote-based and tailored per school, with multi-year contract cadence for facility financing. The firm is sales-led, using direct website engagement, channel partnerships, and broker networks; marketing is primarily content- and community-driven via a resource library, newsletter, social channels, webinars, and case studies. No proprietary technology stack, AI/ML capabilities, patents, or public awards are disclosed in the available data.
Charter School Capital firmographics
Firmographics- Name
- Charter School Capital
- Legal name
- Charter School Capital, Inc.
- Website
- https://charterschoolcapital.com
- Company type
- Private
- Founded year
- 2006
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Charter School Capital, d/b/a Grow Schools, is a U.S. specialty finance firm that provides charter schools with facility financing, working capital loans, and enrollment marketing services through direct sales and BOP/CMO channel partnerships.
- Ownership category
- akta.pro rank
Charter School Capital industry classification
Industry- Product category
- Charter School Financial Services
- NAICS
- Educational Support Services (61171)
- SIC
- Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Charter School Networks (Multi-Site) (EDAJACAC)
- akta.pro secondary industry
- Charter College-Prep & Advanced Academics Schools (EDAJACAJ)
Keywords
Where Charter School Capital is headquartered
LocationHeadquarters
- HQ city
- Beaverton
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Charter School Capital business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Facility Financing: Provides financing for charter schools to purchase property/buildings, with capability to close transactions in as few as 90 days.
- Working Capital Loans: Provides working capital financing for charter schools to pay teachers and staff, buy learning technology and supplies, complete projects, and improve school buildings.
- Enrollment Marketing Services: Customized enrollment marketing support to help charter schools grow student enrollment.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Multi-year contract | Facility Financing |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels5 records
Charter School Capital product offering
Product offeringCore offering
Charter School Capital (operating commercially as Grow Schools) provides specialized financial and marketing services to charter schools. Its core offerings include facility financing for school property purchases with closings as fast as 90 days, working capital loans to fund operations such as payroll, supplies, and facility improvements, and customized enrollment marketing partnerships to help schools grow student enrollment.
Product overview
Grow Schools is a unified platform offering three integrated solutions for charter schools: Facility Financing (Money to Buy Your School), Enrollment Marketing (Kids to Fill Your School), and Working Capital (Money to Run Your School). The platform serves multiple stakeholders including School Leaders, Back Office Providers, Charter Management Organizations, School Property Owners, and Brokers. The three core products work together to address the complete lifecycle needs of charter schools—from acquiring property to filling enrollment seats to funding day-to-day operations.
Differentiator
Problem solved
Functional benefit
Products and services
- Money to Buy Your School (Facility Financing)
Quantifiable outcome
- Close on a property in as few as 90 days
- +1 more outcomes
Companies that use Charter School Capital
Customer profileNamed customers2 records
Segments5 records
Ideal customer profiles3 records
Charter School Capital technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Charter School Capital partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- Back Office ProviderscoreStrategic partnerships with charter school back office providers who work alongside Charter School Capital to provide schools better access to money, programs, and resources.
- Charter Management OrganizationscoreAligned partnerships with Charter Management Organizations as advocates for schools' growth and success, ensuring schools have necessary money, resources, and support to thrive.
Scale indicators2 records
Recent moves6 records
Expansion highlights5 records
Charter School Capital competitors and assessment
Company assessmentDirect peers
- Low Income Investment Fund (LIIF): CDFI that provides facility and working capital financing to charter schools and other community facilities in low-income communities, sharing the charter school lending niche.
- Capital Impact Partners: CDFI that lends to charter schools and charter management organizations for facility acquisition and working capital, with overlapping target customers and product set.
- National Charter School Finance Corporation: Nonprofit specialty finance entity that issues tax-exempt bonds and provides facility financing to charter schools. Most direct functional peer to Charter School Capital's facility-financing core.
- Reinvestment Fund: CDFI providing charter school facility financing and predevelopment capital, often leveraging NMTC. Directly competes for the same charter operator borrower base.
- Charter Schools Fund (formerly Charter School Growth Fund): National nonprofit fund that invests growth capital and facility financing into high-performing charter school networks, overlapping directly with Charter School Capital's CMO-facing lending business.
Broad incumbents
- Nelnet: Large publicly traded education loan servicer and asset manager with education lending exposure. Operates in the broader education credit market but does not focus on charter school facility loans.
- Citizens Financial Group: Large regional bank with an education and nonprofit lending practice that sometimes finances charter facility acquisitions. Broader incumbent with overlapping capability but not a charter-specialist.
- ECMC Group: Education-focused nonprofit that finances and services student loans and provides college-success programs. Broader education-finance incumbent that overlaps indirectly via education-sector lending infrastructure.
Others
- Charter School Management Corporation (CSMC): Back-office services provider to charter schools that partners with lenders like Charter School Capital. Adjacent rather than competing on credit, but overlapping on CMO-channel relationships.
- EdTec: Back-office services provider to charter schools and a documented 'Core' partner of Charter School Capital. Adjacent ecosystem participant rather than a direct lender, but competes for the same CMO relationships.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Charter School Capital social profiles
Digital presenceCharter School Capital compliance and trust
Trust signalCompliance2 records
Charter School Capital financial estimates
Financial estimateRevenue estimate
Valuation estimate
Charter School Capital leadership team
Management profileNumber of profiles
Profiles2 records
Charter School Capital funding detail
Funding detailFunding overview
Funding rounds1 record
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Charter School Capital M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Charter School Capital
What does Charter School Capital do?
Charter School Capital (operating commercially as Grow Schools) provides specialized financial and marketing services to charter schools. Its core offerings include facility financing for school property purchases with closings as fast as 90 days, working capital loans to fund operations such as payroll, supplies, and facility improvements, and customized enrollment marketing partnerships to help schools grow student enrollment.
Is Charter School Capital a public or private company?
Charter School Capital is a private company. It is classified as unknown and is currently operating.
When was Charter School Capital founded?
Charter School Capital was founded in 2006. It employs 51 to 100 people.
Where is Charter School Capital based?
Charter School Capital is headquartered in Beaverton, United States, in the North America region.
How does Charter School Capital make money?
Three revenue lines are on record. Facility Financing is the primary driver. The others are working Capital Loans and enrollment Marketing Services.
Who are Charter School Capital's main competitors?
Direct peers on record are Low Income Investment Fund (LIIF), Capital Impact Partners, National Charter School Finance Corporation, Reinvestment Fund and Charter Schools Fund (formerly Charter School Growth Fund). Broad incumbents are Nelnet, Citizens Financial Group and ECMC Group. Others are Charter School Management Corporation (CSMC) and EdTec.
Does Charter School Capital have an API?
No public API is recorded for Charter School Capital.
What industry is Charter School Capital in?
Charter School Capital's product category is Charter School Financial Services. Its primary akta.pro industry code is EDAJACAC, Charter School Networks (Multi-Site), with a secondary code of EDAJACAJ, Charter College-Prep & Advanced Academics Schools. Its NAICS code is 61171 and its SIC code is 6153.