How SBA Loans Really Work, And Why Your Tax Returns Matter More Than You Think
When most think about business loans, “getting an SBA loan” is at the top of mind. As a business consultant, a CFO, and an investment…
Category: Finance and Lending
Solving the Rubik’s Cube of Child Care
The challenges in the Child Care Industry are like a Rubik’s Cube, a complex puzzle. Much like with every turn of the Rubik’s Cube, you…
2025 SBA Loan Program Changes and the Impact on Child Care Businesses
Most independently owned child care businesses either got started with an SBA (Small Business Administration) backed (meaning backed by the US government) loan – a…
Capitalization Rates and Child Care Real Estate Value
The value of child care real estate is often determined by the capitalization rate - CAP Rate real estate investors require and the level of associate…
The Why of ChildCareOwner
Earlier this year, I celebrated 29 years in the child care industry. My story and journey are different from most, as I have never worked…
A Lender’s Perspective on Getting Financing for Your Childcare Business
Finding financing to expand your childcare business can be daunting. You may have had the experience of going around the block to all your local…
Selling a Childcare Business – Owner Financing vs. Earn Outs
In recent years I have received an increasing number of calls (more than in years past) from childcare business owners about selling their childcare business…
Do You Want to Sell Your Child Care Business?
The Endless Child Care Buyer Calls, Emails, and Letters How many calls, emails, and letters have you received this week from people interested in buying…
Fair Market Rent – How it Affects the Value of Your Child Care Business
Every child care business operates in a facility – building and land. Some child care owners lease the building and land from a third-party owner.…
Out of Pocket Cash Purchases
Jonathan Lamb, our child care financing expert, shares some ideas about when you should pay for things with cash.
Leasing
Jonathan Lamb, our expert child care banker discusses how child care business owners can use leasing as a financial tool.
Seven Critical Business Financing Mistakes
Suppose you commit these business financing mistakes too often. In that case, you will greatly reduce your chances of securing financing for your child care…
Child Care Accounts Receivable Factoring
Over the years, when providing financial consulting for a child care business owner, I discovered they were factoring their accounts receivable (unpaid tuition). So, what…
What is the SBA
In this video, Jonathan Lamb, our expert child care banker explains what the SBA - Small Business Administration is and the role the SBA plays in guar…
RE Sale Lease Back – Refinance
Child care business owners often have a substantial portion of their net worth and available cash locked in their child care real estate. This locke…
Growing From a Small to Larger Child Care Center
In the Growing From a Small to Larger Child Care Center video, Jonathan Lamb, our expert child care banker shares tips for growing your child care bus…
Taking on Debt
Our child care expert banker, Jonathan Lamb, provides informative things you should consider before taking on debt.
What to Expect When Your Are Expecting to Get An SBA Loan
Jonathan Lamb, our expert child care banker, shares some sage advice on "What to Expect When You Are Expecting to Get an SBA Loan"
The Five C’s of Lending
What Does a Lender Look For? The 5 C’S of Lending Lenders and investors look not only at the business numbers when making a loan…
Tax Information and Borrowing Money
No one wants to talk about taxes. However, your tax information plays a critical role in your obtaining a loan. Our expert child care banker, Jonathan…
Acquisitions and Financing
Back with us again is our expert child care banker - Jonathan Lamb. In this video, Jonathan shares lots of great information about child care business…
Why Do You Need a Loan?
So, you are thinking about applying for a loan. The first place to start is - why do you need the money?
Jonathan Lamb our expert child care busine…
USDA Business Loans
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Financial Benchmarking
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Lease or Buy Big Ticket Items
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Personal Guarantee and Collateral
In order to make a loan, the borrower must provide a personal guarantee and collateral. In this video, Jonathan Lamb, our expert banker shares informa…
Your Personal Financial Picture and Loan Repayment
Jonathan Lamb, our expert child care banker details how important your personal financial picture is in relation to loan repayment.
USDA Lending and Child Care
Our expert child care banker, Jonathan Lamb, shares information about how child care owners can obtain an USDA loan.
SBA Loans for Child Care
SBA (Small Business Administration) backed loans provide an excellent source for financing for child care businesses. This Workshop with Jonathan Lamb, an SBA lender, provides…