Stonehollow Lending's child care page covers funding for Kootenai County, ID daycare centers: room additions, equipment and vans, payroll while enrollment grows and buying an existing center.
At a glance
- Child day care employers, Kootenai County, ID
47 (CBP 2023)
- Paid employees at those centers
398 (CBP 2023)
- Child day care businesses without paid employees
125 (NES 2024)
Rooms, Ratios and Tuition Timing at Kootenai County, ID Child Care Centers
A child care center's costs are set by its rooms and its staff ratios. Adding a room means construction, furniture and outdoor space; enrolling more children means hiring staff before tuition for those children arrives. A term loan fits the room, equipment financing fits playground gear and vans, and working capital fits the payroll.
Kootenai County, ID had 47 child day care employers in 2023 with 398 paid employees and $10.8 million in annual payroll, and 36.2% had fewer than five employees (County Business Patterns 2023, NAICS 624410). The county also counted 125 child day care businesses without paid employees in 2024 (Nonemployer Statistics), many of them home providers.
Daycare Center Commercial Loans in Coeur d'Alene, ID: Classrooms and Outdoor Space
A center adding a classroom needs the space built or remodeled, furniture and materials, and outdoor play space that meets licensing rules. Partners read the contractor's estimate, the lease or ownership of the building and the licensing status of the expansion. Confirm licensing requirements with the state before work starts.
Daycare Business Loans in Coeur d'Alene, ID: Staff Ratios and Payroll
Staff ratios mean payroll rises in steps: an added room needs its teachers from the day it opens, even if it starts half full. A working capital loan or credit line carries those wages until enrollment fills. Partners read enrollment by room, the waiting list and the payroll register.
Childcare Business Loans in Coeur d'Alene, ID: Kootenai County, ID Centers in Census Counts
| Measure | Value | Source |
|---|---|---|
| Child day care employers | 47 | CBP 2023 |
| Paid employees | 398 | CBP 2023 |
| Annual payroll | $10.8 million | CBP 2023 |
| Employers in ZIP 83814 | 13 | ZBP 2023 |
| Child day care businesses without paid employees | 125 | NES 2024 |
The two programs count different businesses in different years and are not added together.
Kitchen and Meal Equipment for a Kootenai County, ID Center
Centers that serve meals and snacks need commercial refrigeration, a dishwasher, ranges and food storage that meet health rules. An itemized quote for the kitchen can be financed with the classroom furniture or on its own.
Confirm health and licensing requirements for the kitchen with the issuing offices before ordering equipment, since a layout change can need approval.
Daycare Financing in Coeur d'Alene, ID
Playground equipment, cribs and furniture, kitchen equipment and passenger vans are equipment, and an itemized quote lets a partner finance them together. A van is titled, so the partner holds the title or records a lien. The equipment financing page covers the structure.
Daycare Loans in Coeur d'Alene, ID: Licensing Records and Enrollment
- The current child care license and any approval for added capacity.
- Enrollment and tuition by room, with the waiting list.
- Subsidy payments, if the center receives them, and their timing.
- A full year of bank statements plus the latest business tax return.
- The lease, with the landlord's consent to any work.
Tuition Timing and Cash Flow at a Kootenai County, ID Center
Tuition may be billed weekly or monthly, in advance or in arrears, and subsidy payments follow their own calendar. Write down when each kind of payment arrives against the payroll dates; the gap between them is what a working capital request should cover.
A center that bills in advance has a steadier position than one waiting on subsidies, and a partner reads the difference in the bank statements.
Day Care Center Funding in Coeur d'Alene, ID
Buying an existing center brings its license questions, staff, families and lease. A term loan for the purchase is read on the seller's returns, enrollment history and the state of the license. A license may not transfer automatically to a new owner, so make the closing depend on it.
Daycare Center Funding in Coeur d'Alene, ID: An Added Toddler Room Worked Through
Illustration only, invented figures: a center adds a toddler room for $85,000, covering the remodel, furniture and playground changes, financed over 84 months at an assumed annual rate of 9%. The payment is $1,367.57 a month. The room's tuition needs to cover that payment and the room's teachers once it fills; until then, the gap is a working capital question. If the room fills more slowly than planned, the term loan payment continues regardless, so a cautious enrollment estimate is the safer basis.
The term loan page covers amortization, and the gym page covers another room-based business. County tables are on the Coeur d'Alene, ID page.
By Stonehollow Lending · Updated
