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
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
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: www.buildingchildcare.org/financial_statewide.htm
1. Demographic and Business
The Yuba-Sutter Economic Development
Corporation provides a variety of demographic and business trend information
free of charge to businesses. Visit the website at: www.ysedc.org
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
Service Corps of Retired Executives, SCORE. Visit the website at:
Small Business Development Center, SBDC. Visit the website at:
SBDC provides a variety of services to start-up and established
businesses. Assistance is offered free or at low cost, tailored to the
Labor and Workforce Development
Employment Development Department, Labor Market Information Division.
Visit the website at: www.calmis.ca.gov
to employees with analysis of employment trends,
skill/qualifications, wages and salaries.
Yuba and Sutter County One Stop Business Centers.
bSutter County website: www.1stop2work.com/sutter.htm
bYuba County website: www.1stop2work.com/yuba.htm
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.
Funding Sources and Programs
Business Administration Loans
SBA Micro-Loan Program www.sba.gov/financing/sbaloan/microloans.htm
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.
Minority Pre-qualification Loan Program and Women's Pre-qualification Loan
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.
SBA 7(a) Loan Program www.sba.gov/financing/fr7aloan.html
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.
SBA 504 Low DOC Loan Program www.sba.gov/financing/sbaloan/cdc504.html
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
SBA Low DOC Loan Program www.sba.gov/financing/lendinvest/lowdoc.html
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
SBA CAPlines Loan Program www.sba.gov/financing/loanprog/caplines.html
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:
Seasonal line: advances against anticipated inventory and accounts
receivable help during peak seasons;
Contract line: finances the direct labor and material cost associated with
performing assignable contracts;
Builders line: can finance direct labor and material costs for small
or builders. the building project serves as the collateral;
Standard asset-based line: a revolving line of credit for businesses unable to
meet credit standards associated with long-term credit. It provides
for cyclical growth, recurring and/or short-term needs. Businesses
draw from this line of credit. Repayment comes from converting short-term
assets into cash, which is remitted to the lender;
Small asset-based line: this is a revolving line of credit up to $200,000.
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.
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.
Loan Guarantee Program http://commerce.ca.gov
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.
for Child Care Facilities www.hcd.ca.gov/ca/ccffp
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
facility and project must:
Primarily serve children from low-income families; and
Create or preserve child care spaces
each project must meet one of the following:
Primarily serve any combination of infant care, after school care,
non-traditional hours care, or serve special needs children; or
Replace spaces lost to classroom size reductions; or
Primarily serve children from "Welfare to Work" families; or
You are a current California Department of Education contract.
and Severe Economic Dislocation Revolving Loan Fund www.ceres.ca.gov/cert/grants/tcssed.html
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
Yuba-Sutter EDC currently manages a joint enterprise zone in both Yuba and
Sutter Counties. The Enterprise Zone can provide the following benefits:
Businesses can earn up to $19,000 per employee in state tax credit.
Sales tax credits up to $1.3 million annually on machinery and parts purchased
by Enterprise Zone businesses.
Up-front expensing of specific depreciable property as an incentive under
Lenders to Zone businesses receive interest income, tax free.
Losses incurred by Enterprise Zone businesses may be carried over to years
in which taxable income is earned.
Unused tax credits can be applied to future tax years.
Enterprise Zone businesses receive preferences points on state of California
Other benefits and incentives designed specifically for Yuba and Sutter
counties as part of the Enterprise Zone.
Loan Fund Program (RLF)
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:
Furniture, fixtures an equipment
Sutter Intermediary Relending Program
program managed by the Yuba-Sutter Economic Development Corporation provides
loans to businesses in the region. Eligible use of the funds are:
Business and industrial acquisitions when financial assistance will keep the
business from closing prevent the loss of employment opportunities or provide
expanded job opportunities.
Business construction, conversion, enlargement repair, modernization or
Purchase and development of land, easements, right-of-way, buildings,
facilities, leases, or materials.
Purchase of equipment, leasehold improvements, machinery or supplies.
Funding Sources and Programs
Venture Capital Network (RVCN)
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
Economic Development Lending Initiative (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.
Buildings for Children's Development (ABCD Fund)
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.
ABCD Fund offers financial products which together deliver capital to full meet
facilities development needs:
Planning grants ranging from $10,000 to $20,000 are available for early-stage
project feasibility analysis. Grants will cover expenses such as
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.
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,
Phase I and II environmental assessment, inspections, architectural and
consultant services, permits, loan and legal fees, as well as acquisition costs
some cases. The terms will include 3 percent deferred interest and
periods for up to 3 years.
Interest-only loans for acquisition, construction, rehab, etc. are designed to
enable worthwhile projects to come to fruition. These non-amortizing loans
up to $1 million are to provide capital on an interim basis until the project
be refinanced with a permanent loan. The terms will include average
rates of five percent with maximum interest rates of eight percent and
repayment periods of up to three years.
Amortizing loans will provide long-term real estate financing for projects that
have successfully completed the facilities development process. These
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
ABCD Fund also provides technical assistance during each phase of the
more information on the ABCD Fund, contact:
National Child Care Director
Low Income Investment Fund
(510) 893-3811 ext. 319
or click on the link www.lihf.org/site/products/loans.htm
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
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 http://www.cpsc.gov
National Child Care Information Center, (800) 616-2242 or http://nccic.org
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.
are three main indicators that a provider is suffering from job burnout:
The provider experiences some degree of physical and emotional
exhaustion including fatigue, tension headaches, stomach problems,
insomnia and muscle tension.
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.
Self-doubt and blame surface, and can include depression, feelings of low
self-esteem and incompetence, guilt and an overriding sense of sadness.
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.
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.
Growing and Learning: A Case for Self-Assessment, Day Care and Early
Education, by Nancy Baptist, 1994.
Burnout: Strategies for Managing Time, Space and People in Early Childhood
Education, by Paula Jorde-Bloom. New Horizons, Lake Forest, IL, 1982
Kunitz, MA, Child Development Specialist Child Care Health Connections, Nov/Dec
Injury Among Providers
a Child Care Provider needs to know:
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.
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:
Incorrect lifting of children, toys, equipments, etc.
Inadequate work heights (e.g., child-size tables and chairs)
Lowering and lifting in and out of cribs
Frequent sitting on the floor with back unsupported
Excessive reaching above shoulder height to obtain stored supplies
Frequent lifting of children on and off the diaper changing tables
Awkward positions and forceful motions needed to open window
Carrying garbage diaper bags to dumpster
a child care provider can do to reduced back injury
can prevent back injury by using:
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.
Adult furniture; providers should not use child-sized chairs, tables, or desks.
Use sit/kneel chairs. Practice proper body mechanics.
Always lower the crib side before lifting the child out. Practice proper
When possible, sit up against a wall or furniture for back support.
National Economic Impacts of the Child Care Sector
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.
more information or a copy of the Industry Study visit the NCCA homepage at http://www.nccanet.org/index.asp
Center for Injury Prevention, Policy and Practice
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.
the Safety Tip Sheets or more information click on the link below http://www.cippp.org
and click on Publications then scroll down and click on Safety Sheets.
and Obesity Prevention Awareness
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
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
Department of Agriculture, Team Nutrition:
DSS May 2004 Child Care Update