Networking Information

The Child Care Planning Council of Yuba & Sutter Counties encourages and promotes quality standards of care. The Council offers child care providers the following networks for more information. 


Twin Cities Association for the Education of Young Children (TCAEYC)

Membership organization that supports early child care professionals in their work with children through a variety of activities and specialized committees.  They conduct workshops for child care providers, yearly "Week of the Young Child" celebrations, and maintain a variety of specialized committees in specific areas for providers.  For more information, contact 530-749-3276 ext. 106

Bi-County Daycare Association

Membership organization that promotes professionalism in family child care.  They hold monthly network meetings with guest speakers, offer a mentor program for new providers and promote networking and collaboration with other groups and programs supporting quality child care.  For more information contact Tresia Filby at 530-673-9203

Community Care Licensing (CCL), Division of California Department of Social Services

State agency responsible for evaluating and monitoring child care programs for compliance with State laws and regulations.  This agency reviews and approves applications for licensed child care in Yuba & Sutter Counties. Contact the Chico Regional office at 530-895-5033 or their website


Child Care Advocate Program


Seeks to promote the delivery of quality child care in California through communication, knowledge, and advocacy.  Contact Betsy Rutana, Child Care Advocate at 510-622-2623 or email at


Children's Home Society of California (CHS) - Child Care and Development Services


Child Care Resource and Referral Program serving Yuba and Sutter Counties.  Provides a free referral service for families seeking licensed child care.


Licensed providers can request to be put on the referral system.  Providers can obtain information on legislation, zoning, child development publications and curriculum.  Workshops are offered on a variety of topics including child development, child guidance, curriculum development, and program start-up and marketing.  CHS publishes quarterly newsletter that includes events and activities for children and parents.  Call 530-673-7503 for more information.


Child Care Planning Council of Yuba and Sutter Counties


Meetings, open to the public, to address child care planning in Yuba and Sutter Counties.  Council meetings are held on the fourth Tuesday of the month at 1:00 p.m.  For more information contact Mary Pa Hang at 530-749-3276, ext. 106.



Facility Information

The Child Care Planning Council of Yuba & Sutter Counties encourages and promotes quality standards of care. The Council offers child care providers the following networks for more information. 

Building Child Care

Building Child Care (BCC), funded by the California Department of Education, is a collaboration of organizations designed to help child care providers access public and private sector financing for child care facilities.  The four collaborative partners on this project have combined their experience, resources, and expertise to build a clearinghouse of information and assistance for developing and financing child care facilities.

To access the informational resources and publications, and to ask questions about the process of acquiring, building, renovating, or expanding child care facilities you can visit the website at:

Technical Assistance

1. Demographic and Business Information

The Yuba-Sutter Economic Development Corporation provides a variety of demographic and business trend information free of charge to businesses.  Visit the website at:

2. Site Location Assistance

The Yuba-Sutter Economic Development Corporation provides direct assistance to businesses that want to identify and locate sites in Sutter County.  The Corporation also provides assistance to expanding companies.  The Corporation provides liaison assistance with permitting, financing and labor force needs.

3. Small Business Assistance

z Service Corps of Retired Executives, SCORE.  Visit the website at:


z Small Business Development Center, SBDC. Visit the website at:


The SBDC provides a variety of services to start-up and established businesses.  Assistance is offered free or at low cost, tailored to the client needs.


4. Labor and Workforce Development


z Employment Development Department, Labor Market Information Division.

    Visit the website at:

    bProvides assistance to employees with analysis of employment trends,

        skill/qualifications, wages and salaries.


z Yuba and Sutter County One Stop Business Centers.

    bSutter County website:

    bYuba County website:


The One Stop Centers can provide a variety of services such as applicant screening and job matching, job listings and announcements, customized recruitment, provide interview facilities and direct placement.


Financial Assistance


Federal Funding Sources and Programs




Small Business Administration Loans


1. SBA Micro-Loan Program


This program is available to established and start-up businesses that have less than 100 employees and less than $5 million in sales.  It provides loans in the range of $1,000-$25,000 at a fixed rate.  The loans can be used for working capital, inventory, furnishings, real property acquisitions, etc.  They cannot be used for debt repayment.


2. Minority Pre-qualification Loan Program and Women's Pre-qualification Loan Program


Enables SBA to pre-qualify loan guarantees for women and minority-owned businesses before approaching lenders.  The women's program uses only non-profit intermediaries to assist in loan packaging and securing before applying for guarantees.  The minority program allows for-profit intermediaries as well.


3. SBA 7(a) Loan Program


This program is designed to assist small businesses by providing working capital to meet both short and long-term financing needs.  Funds can be used to purchase inventory, supplies, machinery, and equipment; consolidate debt; and pay for construction, conversion, rehabilitation, or acquisition of existing businesses.  Private lenders provide the loans.  The Small Business Administration (SBA) will guarantee up to 90% of loans up to $155,000, and 85% of loans over $155,000.  Loan sizes are $50,000-$100,000.00.  The lending institution sets the rate, and uses the assets purchased with loan proceeds as collateral.  The small business may be required to inject 10-25% into the project.


4. SBA 504 Low DOC Loan Program


This program is designed to assist small businesses by providing long-term, fixed asset financing.  Funds can be used for land acquisition, construction or purchase of existing building, site improvements, renovations, restoration, and purchase of major equipment.  Private lenders provide 50% of project cost, SBA provides up to 40%.  Project size ranges from $350,000 to $4 million


5. SBA Low DOC Loan Program


This program is designed to streamline the lending process for small loans (up to $100,000) provided by the SBA.  Loans under this program are designed to assist small businesses by providing working capital to meet both short and long-term financing needs.  Funds can be used to purchase inventory, supplies, machinery, and equipment; consolidate debt; and pay for construction, conversion, rehabilitation, or acquisition of existing businesses.  Private lenders provide the loan. SBA will guarantee up to 90% or it.  The lending institution sets the rate, and uses the assets purchased with loan proceeds as collateral.  The small business may be required to inject 10-25% into the project.


6. SBA CAPlines Loan Program


CAPlines is the umbrella program under which the SBA helps small businesses meet their short-term and cyclical working capital needs. A CAPlines loan can be for almost any dollar amount.  There are five loan programs for small businesses under the CAPlines umbrella:


z Seasonal line: advances against anticipated inventory and accounts

     receivable help during peak seasons;

z Contract line: finances the direct labor and material cost associated with

     performing assignable contracts;

z Builders line: can finance direct labor and material costs for small contractors

    or builders.  the building project serves as the collateral;

z Standard asset-based line: a revolving line of credit for businesses unable to

    meet credit standards associated with long-term credit.  It provides financing

    for cyclical growth, recurring and/or short-term needs.  Businesses continually

    draw from this line of credit.  Repayment comes from converting short-term

    assets into cash, which is remitted to the lender;

z Small asset-based line: this is a revolving line of credit up to $200,000.  It

    operates like a standard asset-based line except that some of the stricter

    servicing requirements are waived, providing the business can show

    repayment ability from cash flow for the full amount.


These loans may be used for most business purposes.  Each line of credit has maturity of up to five year.  Funds can be used as needed throughout the term of the loan to purchase assets, as long as sufficient time is allowed to convert the assets into cash at maturity.  The SBA can guaranty up to 80% of loans of $100,000.  Holders of at least 20% ownership in the business are generally required to guaranty the loan.


State Funding Sources


California Loan Guarantee Program


The California Loan Guarantee Program enables a small business to obtain a term loan or line of credit when it cannot otherwise qualify for a loan.  The Office of Small Business administers the program with the primary objectives of creating and retaining jobs, as well as providing a service to small businesses (including women, minority, and disable owned).  The program provides a lender with the necessary security, in the form of a guarantee, for the lender to approve a loan or line of credit.  The guarantees are issued on behalf of the state by any of eight non-profit corporations throughout California.  These offices are called Small Business Financial Development Corporations (FDCs). some FDCs offer direct loans up to $25,000.  This program is not related to SBA program.


Financing for Child Care Facilities


Facility financing through direct loans or loan guarantees are now available for licensed child care centers and licensed family day care homes serving more than six children.


Each facility and project must:


z Primarily serve children from low-income families; and

z Create or preserve child care spaces


Additionally, each project must meet one of the following:


z Primarily serve any combination of infant care, after school care,

     non-traditional hours care, or serve special needs children; or

z Replace spaces lost to classroom size reductions; or

z Primarily serve children from "Welfare to Work" families; or  

z You are a current California Department of Education contract.


Sudden and Severe Economic Dislocation Revolving Loan Fund


The SSED loan program is designed to be used in conjunction with private lending and investment sources to complete projects which would not normally qualify for conventional financing.  Loan proceeds may be used for land building (excluding construction), machinery and equipment, and working capital.  Businesses may borrow from $25,000 to $500,000 and loan terms may go up to 20 years, depending on the use of the loan funds.  Lower than market interest rates, flexible repayment terms and subordinated collateral positions provide a unique opportunity to assist loan applicants in structuring projects which will create or retain permanent employment while responding to local and statewide development strategies.


Local Funding Sources


Yuba-Sutter Enterprise Zone


The Yuba-Sutter EDC currently manages a joint enterprise zone in both Yuba and Sutter Counties.  The Enterprise Zone can provide the following benefits:


z Businesses can earn up to $19,000 per employee in state tax credit.

z Sales tax credits up to $1.3 million annually on machinery and parts purchased

     by Enterprise Zone businesses.

z Up-front expensing of specific depreciable property as an incentive under

     certain conditions.

z Lenders to Zone businesses receive interest income, tax free.

z Losses incurred by Enterprise Zone businesses may be carried over to years

     in which taxable income is earned.

z Unused tax credits can be applied to future tax years.

z Enterprise Zone businesses receive preferences points on state of California


z Other benefits and incentives designed specifically for Yuba and Sutter

     counties as part of the Enterprise Zone.


Revolving Loan Fund Program (RLF)


This program provides low cost financing to businesses in the region.  The range of loans is from $25,000 to $150,000.  The RLF funds are designed to fill gaps in financing and are tailored to the capital needs of the individual's business.  The eligible use of the funds are:


z Working capital

z Furniture, fixtures an equipment

z Inventory

z Machinery


Yuba Sutter Intermediary Relending Program


This program managed by the Yuba-Sutter Economic Development Corporation provides loans to businesses in the region.  Eligible use of the funds are: 


z Business and industrial acquisitions when financial assistance will keep the

     business from closing prevent the loss of employment opportunities or provide

     expanded job opportunities.

z Business construction, conversion, enlargement repair, modernization or


z Purchase and development of land, easements, right-of-way, buildings,

     facilities, leases, or materials.

z Purchase of equipment, leasehold improvements, machinery or supplies.

z Transportation Services

z Working Capital


Private Funding Sources and Programs


Rural Venture Capital Network (RVCN)


The RVCN is a program that covers 15 Northern California counties to work toward expanding business with a variety of investment sources and funding mechanisms.  The Tri-County EDC, consisting of Glenn, Tehama and Butter Counties, manages the fund as a type of venture capital program for economic development.  The program could have advantages to local start-up and business expansions.


California Economic Development Lending Initiative (CEDLI)


CEDLI is a multi-bank community development corporation established in 1995 to make loans to small businesses and community development organizations.  CEDLI's mission is to create jobs by providing financing to projects that fall outside of normal bank lending practices.


Affordable Buildings for Children's Development (ABCD Fund)


The ABCD Fund enables child care centers in California to meet the costs of facilities development, and assists them with their long-term real estate financing needs.  the ABCD Fund is managed by the Low Income Investment Fund and is a component of California's ABCD Program, the comprehensive child care facilities financing system being launched in January 2003.


The ABCD Fund offers financial products which together deliver capital to full meet facilities development needs:


z Planning grants ranging from $10,000 to $20,000 are available for early-stage

    project feasibility analysis.  Grants will cover expenses such as architectural

    and development consulting services, engineering analyses and other

    third-party work to determine project feasibility and/or to develop pro forma

    budgets and financing plans.

z Predevelopment loans of up to $100,000 are designed to provide child care

    center operators or facilities developers the early-stage funding they need to

    undertake development projects and bring them to the point of starting

    construction.  These loans will support typical predevelopment costs, including

    Phase I and II environmental assessment, inspections, architectural and

    consultant services, permits, loan and legal fees, as well as acquisition costs in

    some cases.  The terms will include 3 percent deferred interest and repayment

    periods for up to 3 years.

z Interest-only loans for acquisition, construction, rehab, etc. are designed to

    enable worthwhile projects to come to fruition.  These non-amortizing loans of

    up to $1 million are to provide capital on an interim basis until the project can

    be refinanced with a permanent loan.  The terms will include average interest

    rates of five percent with maximum interest rates of eight percent and

    repayment periods of up to three years.

z Amortizing loans will provide long-term real estate financing for projects that

     have successfully completed the facilities development process.  These loans

     will have amortizations of up to 40 years, repayment periods of up to ten years,

     and average interest rates of five percent with maximum interest rates of eight



The ABCD Fund also provides technical assistance during each phase of the development process.


For more information on the ABCD Fund, contact:

        Noni Ramos

        National Child Care Director

        Low Income Investment Fund

        (510) 893-3811 ext. 319

        or click on the link






Additional Information

The Child Care Planning Council of Yuba and Sutter Counties encourages and promotes quality standards of care.


Urgent Safety Information for Child Care Providers and Parents

The Consumer Product Safety Commission (CPSC) is urging parents and caregivers to search their homes for recalled child products, particularly portable cribs, play yards, and play pens with top rail hinges.  These products can collapse without warning, posing a suffocation danger to young children, and should not be used.  for more information about recalled child products or to report a dangerous product, contact the CPSC at (800) 638-2772 or visit the CPSC homepage on the World Wide Web at


Source: National Child Care Information Center, (800) 616-2242 or


Avoiding Provider Burnout


The term "burnout" is often tossed around lightly after a hard day of working with young children in a child care setting, but provider burnout can be a serious problem for the early childhood profession.  It is often responsible for the high rate of teacher turnover, which, in turn, affects the quality of care young children receive.  The profession of early childhood education involves long hours, low pay, minimal benefits, low status and the huge responsibility of caring for young children.  To avoid losing qualified child care provider, it is important to look at the signs of burnout and find ways to reduce stress and burnout in the daily lives of child care providers by addressing the problem that cause it.


There are three main indicators that a provider is suffering from job burnout:

1.    The provider experiences some degree of physical and emotional

        exhaustion including fatigue, tension headaches, stomach problems,

        insomnia and muscle tension.

2.    The provider becomes disillusioned with the job (and life in general),

        displayed by distancing and isolating oneself from co-workers, irritability,

        anxiety and a growing cynicism.

3.    Self-doubt and blame surface, and can include depression, feelings of low

        self-esteem and incompetence, guilt and an overriding sense of sadness.


One way to address provider burnout is to add stress management techniques to staff education meetings and trainings as a benefit for all caregivers.  Work with your supervisor to ensure that personnel needs are addressed, such as a quiet place for breaks each day, positive feedback and small rewards for excellence.  Stress reduction support groups can be organized to help talk about teaching frustrations and to gain peer support and insight from one another.  The sources of professional burnout and how to cope with them should also be covered in training for new early childhood educators.  Learning coping and self-assessment skills can be useful in avoiding burnout and compassion fatigue throughout one's teaching career.


Early childhood development specialist, Nancy Baptist, writes that "self-assessment in the personal domain helps us to understand and know who we are.  Self-assessment in the professional domain helps us to understand and know our knowledge skills and attitudes in our work life."  As she reminds us, early childhood educators must make sure that they have not "gone beyond burnout and turned a love for and commitment to working with children and families from a passion into an addiction."  It is important that all providers examine how they can make personal and professional changes to avoid burnout in order to make their fuller and healthier.




Always Growing and Learning: A Case for Self-Assessment, Day Care and Early Education, by Nancy Baptist, 1994.


Avoiding Burnout: Strategies for Managing Time, Space and People in Early Childhood Education, by Paula Jorde-Bloom.  New Horizons, Lake Forest, IL, 1982


Judith Kunitz, MA, Child Development Specialist Child Care Health Connections, Nov/Dec 2000


Back Injury Among Providers


What a Child Care Provider needs to know:


Back injury is the most common cause of occupational injury for child care providers, that can cause a great deal of pain, medical expenses, loss of work time and inconvenience.  Providers need to exercise and practice good body mechanics to stay healthy.


Dr. Rene Gratz and her colleagues studied the health risk factors associated with the child care work site and put together the following list of the top eight health risk problems:


1.    Incorrect lifting of children, toys, equipments, etc.

2.    Inadequate work heights (e.g., child-size tables and chairs)

3.    Lowering and lifting in and out of cribs

4.    Frequent sitting on the floor with back unsupported

5.    Excessive reaching above shoulder height to obtain stored supplies

6.    Frequent lifting of children on and off the diaper changing tables

7.    Awkward positions and forceful motions needed to open window

8.    Carrying garbage diaper bags to dumpster


What a child care provider can do to reduced back injury


You can prevent back injury by using:


1.    Learn proper lifting and carrying techniques, such as keeping the child as

        close as possible to you and avoiding and twisting motion as you lift the

        child.  encourage independence in children, e.g. walk up stairs with a

        toddler, rather than carry her.

2.    Adult furniture; providers should not use child-sized chairs, tables, or desks.

        Use sit/kneel chairs.  Practice proper body mechanics.

3.    Always lower the crib side before lifting the child out.  Practice proper body


4.    When possible, sit up against a wall or furniture for back support.  Perform

        stretching exercise.



The National Economic Impacts of the Child Care Sector


The National Child Care Association has released an Industry Study:  The National Economic Impacts of the Child Care Sector. The Industry Study reports how important child care is to the national economy.


For more information or a copy of the Industry Study visit the NCCA homepage at


The Center for Injury Prevention, Policy and Practice


The Center for Injury Prevention, Policy and Practice of San Diego State University publishes Safety Tip Sheets that provide information to promote safe environments in child care facilities.  There are different Safety Tip Sheets fro each age group and are available in English and Spanish.


For the Safety Tip Sheets or more information click on the link below and click on Publications then scroll down and click on Safety Sheets.


Nutrition and Obesity Prevention Awareness

In an effort to encourage activities related to obesity prevention, healthy eating habits, and an active lifestyle. Unhealthy eating and lack of physical activity have led to a national obesity epidemic. This can lead to cardiovascular disease and cancer; Type 2 diabetes in adults, teens and children: inability to meet minimum standards to be considered physically fit; increasing disability rates due to obesity; rising health care costs; and low self-esteem, social stigma and depression.


The following websites provides providers and parents information and training on proper nutrition and exercise for children and infants.


. Dairy Council of California - Nutrition Education for Healthy diets:


. Mayo Clinic, Childhood Obesity: Parenting Advice, etc:


. Center for Health and Health Care in Schools:


. American Academy of Pediatrics:


. American Academy of Family Physicians:


. Virtual Teachers Lounge - health and nutrition lesson plans and classroom resources:


. Department of Agriculture, Team Nutrition:


SOURCE: DSS May 2004 Child Care Update


The Center for the Study of Child Care Employment (CSCCE)


The Center for the Study of Child Care Employment (CSCCE) focuses on issues relating to the several million teachers and providers currently working in center-based early care and education settings in the United States. Through research, policy analysis and policy development, the Center promotes improvements in job conditions for the early care and education workforece, and in services for children and families.        


For more information, click on


The Center for the Study of Child Care Employment (CSCCE)


Child Care and Early Education Research Connections (CCEERC) promotes high quality research in child care and early education and the use of that research in policy making.


For more information, click on