Ok after a long hunt and lots of misinformation I now have it from the horses mouth that if I were to become accredited I get paid in the region of £3.88 a lot less than a currently charge.
I can't charge a top up. I also can't charge an inflated rate beyond the free 15 hours (so say a child comes for 20 hours. If I lose, (for eg) £5 by operating the free 15 hours I can't then charge £1 extra per hour during the other paid for 5 hours.)
I can charge extra for food and outings. So per 10 hours I would have to charge an extra £11.20 and I could only do this if I could allocate it to food and outings.
I can deal with all that. It's silly but I can cope just.
But I have to be level 3 qualified and become accredited. I personally think my setting is much better than some nurseries around here yes they are automatically (I think) qualified to draw down the funding.
That is annoying! Why are nurseries automatically accredited whereas CMers aren't even though we al work to EYFS? Hypothetically a satisfactory nursery would get it but not a non qualified 'outstanding' CMER, both working to EYFS?
Is there a reason for this. Is it because nurseries have a pre-school 'teacher'.