Child care centers across Cochise County send funding requests to Rosepine Lenders in Sierra Vista, Arizona, which passes them on to funding partners. This page covers added rooms, a larger building, financing options, equipment and shade, and the county child care counts.
At a glance
- Child care employers
Child day care services, Cochise County, AZ: 27 employer establishments (CBP 2023)
- Child care employees
Child day care services, Cochise County, AZ: 269 paid employees (CBP 2023)
- Without paid employees
Child day care services without paid employees, Cochise County, AZ: 189 (NES 2024)
Daycare Center Commercial Loans for a Cochise County, AZ Center Adding Rooms
Adding a classroom means construction or remodeling, furniture, equipment, and the teachers who must be hired before enrollment fills it. Daycare center commercial loans for a Cochise County, AZ center adding rooms usually split those costs: a term loan for the build-out and furnishings, and working capital for the early payroll.
Licensing comes first. An Arizona child care center that changes its structure or program needs approval from the Arizona Department of Health Services, in most cases before the change is made (ADHS Bureau of Child Care Licensing). Build the licensing timeline into the funding request; the Arizona child care license guide explains the steps.
A partner will want the center's enrollment and waiting list, its revenue by source, including any subsidy payments, and the cost of the added rooms.
Staffing ratios shape the budget. Each new room needs enough teachers to meet the ratio for the ages it will serve, and those teachers are paid from their first day, while tuition for the room builds as families enroll. Write down the monthly payroll for the new room, the expected enrollment by month, and the month the room is expected to cover its own costs. That one table answers many of the questions a partner asks about an expansion.
Business Loans for Daycare Providers Moving to a Larger Building
A center that outgrows its building faces a larger decision: lease or buy a bigger space, fit it out to licensing standards and move without losing families. Business loans for daycare providers moving to a larger building cover the build-out, the furniture and equipment, and the overlap period when both buildings may be paid for.
This site does not arrange real estate mortgages, but a term loan can fund the fit-out of a leased building, and equipment financing can cover furnishings and playground equipment. The lease term should run at least as long as the build-out loan.
In Sierra Vista, a new location needs a city business license and building permits for the fit-out (City of Sierra Vista); see the permit guide.
Daycare Financing Options: Term Loan, Equipment Loan or a Line
- A term loan for added rooms, a fit-out or buying an existing center.
- An equipment loan for a passenger van, playground structures, kitchen equipment or furniture.
- A line of credit for the gap between paying staff and receiving tuition or subsidy payments.
- A working capital loan for payroll while a new room fills.
A center can use more than one. Match each to how long the need lasts: a van over its working years, a payroll gap over months.
Illustration only, invented figures: a $52,000 passenger van financed over 60 months at an invented annual rate of 9.5% has a payment of about $1,092.10 a month (our arithmetic).
Daycare Equipment Financing for Cribs, Furniture and Shade Structures
Cribs, cots, child-size tables and chairs, cubbies, kitchen equipment, playground structures, safety surfacing and shade sails are items a center buys in quantity and replaces on a cycle. Daycare equipment financing covers them, with the items as security where they can be resold.
Shade structures and installed playground equipment are built into the site, so a partner may treat them as improvements rather than equipment. Split the quote into free-standing items and installed work.
Keep the specifications that meet licensing rules with the quote. A partner may ask whether the equipment has been approved for the center's use.
Replacement cycles can be planned. A center that lists its cribs, cots and playground equipment with their purchase dates can see which items come due together and request one equipment loan for the batch, rather than paying for each replacement out of the month it fails.
Child Day Care Services in Cochise County, AZ by the Census Count
Child day care services had 27 employer establishments in Cochise County, AZ in 2023, with 269 paid employees and about $7.5 million in annual payroll (County Business Patterns). Six of the 27 had fewer than five employees, and 11 had a ZIP 85635 address (ZIP Code Business Patterns).
Nonemployer Statistics counted 189 child day care businesses without paid employees in the county in 2024, a separate count that takes in home-based providers working alone.
| Measure | Value |
|---|---|
| Employer establishments (624410) | 27 |
| Paid employees | 269 |
| Annual payroll | $7.5 million |
| Establishments with fewer than five employees | 6 |
| Establishments in ZIP 85635 (ZBP) | 11 |
The daycare expansion article prices an invented two-classroom project two ways.
How a daycare funds an expansion prices two classrooms and a van two ways.
By Rosepine Lenders · Updated
