Start with a call to (503) 918-0856 or the short request form; any terms come from the independent funding partner that reviews it.
Funding for Oregon City, OR child care programs: everyday gear and indoor play items, an infant room and new staff, learning materials and a second location, an invented classroom and kitchen package, and Clackamas County, OR Census counts for child day care services.
At a glance
- Child day care services establishments, Clackamas County, OR
144 with paid employees (CBP 2023, NAICS 624410)
- Child day care services with five or more employees, Clackamas County, OR
62 (our arithmetic from CBP 2023)
- Child day care services at ZIP 97045 addresses
12 employer establishments (ZBP 2023)
- Child care services with no paid employees, Clackamas County, OR
411 (Nonemployer Statistics 2024, NAICS 62441)
Loans for daycare centers in Oregon City, OR: nap cots, classroom toys and multi-seat strollers
The everyday gear of a child care program wears out on a schedule: nap cots and their covers, multi-seat strollers for walks, classroom toys, sensory tables and indoor soft-play pieces. Replacing a room's worth at once can go on one equipment financing request.
The line falls at the building's edge. Movable indoor items count as equipment. Outdoor play structures, the ground cover beneath them and the yard's boundary are site work, outside this site.
In Clackamas County, OR, 62 of the 144 child day care services establishments had five or more employees in 2023 (our arithmetic), and 82, or 56.9%, had fewer than five (County Business Patterns, NAICS 624410).
Daycare center funding in Oregon City, OR: infant cribs, changing tables and new hires
An infant room needs its own set of equipment: cribs with firm mattresses, freestanding changing tables, high chairs, bottle warmers, a stacked washer and dryer for linens. A provider adding one can price the room as a single package.
New hires are the other half. Staff are on payroll from the first day a room opens, and tuition from new families arrives as the room fills. Working capital sized to the first months of that payroll keeps the program from paying the gap out of its reserve.
In the office ZIP, the 2023 ZIP Code Business Patterns showed 12 child day care services establishments at ZIP 97045 addresses.
Daycare equipment financing in Oregon City, OR: learning materials, cubbies and a second location
Learning materials are a steady cost rather than a one-time one: books, manipulatives, art supplies, sensory bins and classroom technology. Cubbies, low shelving, child-height tables and chairs are furniture the program owns and could take to a new space.
A second location brings everything at once: the lease deposit, a full set of furniture and materials, cameras, kitchen appliances and staff hired before the first family enrolls. A term loan can carry the opening as one sum, and a partner can ask for the first site's enrollment and tuition history.
Security cameras with a recorder and a parent-viewing app are equipment; running new wiring through the walls is building work outside this site.
Programs without paid staff are counted on their own. Nonemployer Statistics counted 411 child care services businesses (NAICS 62441) in Clackamas County, OR with no paid employees in 2024.
Kitchen Appliances, Classroom Furniture and Payroll: one funding request in Oregon City, OR
A program that cooks for children needs commercial-grade appliances: a high-temperature dishwasher, a reach-in refrigerator, a range and food storage. Freestanding appliances are equipment. Anything tied into the building's gas lines, ducts or drains is building work outside this site.
Illustration only, invented figures: furniture for 4 classrooms at $5,200 each, a $6,400 dishwasher and 12 cribs at $420 each add to $32,240. At 12.25% a year over 48 months, the payment is $852.97; the program pays $40,942.56 over the term, so $8,702.56 goes to interest.
Payroll can travel with the same request as a separate working capital amount. On the call, the owner gives each piece its own number, and a funding partner decides how to split them.
How Clackamas County, OR child care providers pay for kitchen appliances, classroom furniture and payroll
- Equipment financing: cribs, cots, furniture, appliances, cameras and a passenger van
- Working capital: payroll for new hires and the weeks before a room fills
- A line of credit: learning materials, food orders and other costs that repeat
- A term loan: a second location or buying an existing program
Buying a running program is a business purchase: the furniture and gear, the enrolled families, the staff and the lease. A partner can ask for the seller's tax returns, monthly tuition deposits and staff roster. A building the seller owns would need a property lender of its own; this site does not arrange that.
Child day care is part of a much larger sector. Health care and social assistance (NAICS 62) counted 1,547 employer establishments in Clackamas County, OR in 2023 (County Business Patterns).
Other care businesses have their own pages: medical practices and dental offices. The Oregon City, OR page carries county and ZIP 97045 business counts, and the industries hub groups every trade.
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