Thanks for your patience - first I must point out we are tax accountants rather then financial advisers but through our working closely with private clients are able to offer up some solutions to consider.
Whilst this would create an upheaval - finding business premises where VAT is not charged on the rent would be a massive saving as not all commercial buildings are opted in to tax (and this is where VAT arises) or look into purchasing business premises, which depending on how long you have traded and how well your profits are - could end up being a far more affordable solutions.
Would the landlord allow a reduction on rent ? One of my clients managed to shave off £200 a month off his rent which made a big difference to his turnover and disposable income position
I doubt you can cut back on your other expenses as these are what they are and I imagine you have look at ways to reduce overheads without comprising your duty of care and needs to run the business
Finally have you reviewed putting up your prices up? I don't imagine you are registered for VAT so you cannot at least offset what you pay out against that which you then will charge on your fees - as Nursery fees are usually VAT exempt so this would not be a viable option as I imagine you would have to be OFSTED registered and therefore a VAT exempt supplier.
I hope this gives you some food for thought in taking matters forward
But a local accountant could go through your books and see where perhaps savings could be made - so could be worth asking a one time appointment for a business analysis who also could put together a business plan for you to consider asking for loan/mortgage to purcahse business premises.
Let me know if I can assist further