

Underwriting Support
Schools often seek facility financing, working capital, or bridge funding to support growth, but many are unprepared to clearly communicate their financial story to funders. Dear Education helps bridge that gap by providing structured, independent analysis tailored to what CDFIs, nonprofit lenders, developers, and philanthropic lenders need to evaluate readiness and reduce risk.
​
With experience working inside school business offices and alongside lending institutions, Dear Education brings a unique perspective. The team understands not only how to analyze the numbers, but how funding and programs actually function in practice. Support includes financial underwriting, debt capacity modeling, risk assessments, and financial narratives delivered with clarity and aligned with lender expectations.
​
We also provide draw management services to ensure funds are disbursed and tracked in alignment with grant or loan agreements. This includes coordination and documentation for construction draws, line of credit requests, and bridge financing disbursements tied to CSP grants, state startup funds, and philanthropic capital. The process supports transparency, compliance, and audit readiness across all stakeholders.
​
Whether reviewing a school for investment, supporting a complex transaction, or managing multiple fund disbursements, Dear Education provides the expertise and structure needed to help partners move forward with trust and clarity.
We help mission-driven lenders and partners make informed, responsible decisions.
Key Areas of Support

Underwriting Packages
Aligned to your credit guidelines and templates to prepare for internal review and committee presentations.

Debt Modeling
Best case, stressed-enrollment and breakeven financial projections to evaluate debt capacity and long-term affordability.

Risk Assessments
Reviews of financial health, enrollment trends, and operational stability.

Financial Analysis
Financial narratives and supporting materials for clear, confident communication of schools' financial health.
.jpg)
Loan Draw Support
Documentation and coordinating for construction draws and lines of credit.

Bridge Loan Support
Underwriting and support for CSP, state startup, and philanthropic bridge funding.

Stakeholder Collaboration
Coordination with school operators, lenders, and developers to ensure accuracy and alignment.
.png)
Fractional Underwriter
Short-term underwriting support available while you hire or transition internal staff.