Resource Library
Quickly locate the resources you need - articles, newsletters, tips, webinars, training courses and roadmaps.
Fall Preventative Maintenance: Protecting What Matters Most
As we move from the heat of summer into the cooler days of fall, it’s the right time for childcare centers to focus on preventative…...
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…...
Holding Your Team Accountable for a Job They Can Be Proud Of
The True Meaning of Accountability Running a successful child care and early education business demands strong financial management, operational excellence, regulatory compliance, and a commitment…...
Best Practices for Hiring Related Individuals in Child Care
Although there are many advantages, as well as disadvantages, of having employees who are related to one another, only you, as a child care business…...
Employees and Keys to the Child Care Business: Important Things to Consider
As a Child Care business owner, you cannot be in your business every second of every day – at least, you shouldn’t be there all…...
Handling Negative Online Reviews About Your Child Care Business
If you have a business that deals with the public, particularly a child care business, it is almost inevitable that you’ll receive a negative online…...
The Chamber of Commerce and Your Child Care Business
One of the most valuable local resources for every child care business is right there – hidden in plain sight – the Chamber of Commerce!…...
The Importance of Knowing the Value of Your Child Care Business
Having worked as a child care business mergers and acquisitions advisor since 1995, I know that when a child care owner contacts me, they are…...
Child Care and the Lack of Business and Financial Management Training
Like most college degree programs, an Early Education degree often includes little, if any, training in business and financial management. Most degree programs provide specialized…...
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 associated risk...
Using Standard Operating Procedures in Your Child Care Business
Standard Operating Procedures (SOPs) are critical documents that should be implemented in every business, including child care. SOPs provide detailed instructions on performing specific tasks within your child care business...
Importance of Having a Specialized Child Care Accounting Chart of Accounts
A child care business-specific accounting – chart of accounts is crucial for any child care owner to assist with financial management. This comprehensive financial tool…...
Child Care Employees and Social Media Policies
What employees post on various social media platforms can significantly impact the childcare business for which they work. Why? Parents often visit the childcare business’…...
The Challenge of Leadership in Child Care
As an owner-operator or administrator of a child care business, you wear many hats. You manage finances, human resources, education, and marketing. You ensure safety,…...
The Impact of Unreported Income and Non-Business Expenses on Child Care Business Value
“If You Hide the Money Too Well, Nobody Will Be Able to Find It.” When I started my business brokerage career in 1995, it was…...
Child Care Facility Construction – Design Build vs Design Bid Build
When building a new childcare facility, owners typically have two main project options: Design-Bid-Build (DBB) and Design-Build (DB). Each approach has advantages and disadvantages, and…...
Childcare Marketing and Social Media
Maximizing Reach and Engagement Childcare marketing is crucial to running a thriving childcare center. In today’s digital age, leveraging social media platforms can significantly enhance…...
Effective Strategies to Reduce Labor Costs in Childcare
Optimizing Workforce Efficiency and Reducing Expenses Labor costs constitute a significant portion (often the largest expense) of overall childcare business expenses. Reducing these costs while…...
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…...
Child Care Business Owner End of the Year Planning
Taking Stock Before the Holidays Like most businesses, the end of the year is a busy time for childcare business owners. Before the rush of…...
Fair Market Rent How it Affects the Value of Your Child Care Business
Every child care business operates in a facility—a building and land. Some child care owners lease the building and land from a third-party owner. The…...
What Financial Reports Should My Accountant Provide?
At a minimum, you should receive monthly (not quarterly) financial reports – Profit and Loss Statement and Balance Sheet. These reports should be timely –…...
Tips For Welcoming New Child Care Employees
Do You Have an Employee Onboarding or Welcoming Program? Much time, effort, and expense are spent on job postings, screening, and interviewing potential employees. However,…...
Having QuickBooks Does Not Make You an Accountant
I have always found it curious that the focus on financial management for childcare business owners is learning to use QuickBooks (or any accounting software)…...
Employing Family Members and Taxes
One advantage of operating your own business is hiring family members. However, employment tax requirements for family employees may vary from those that apply to…...
Child Care Accounts Receivable – Tuition Policy
Many owners view childcare as a mission; thus, they often manage their business with their hearts instead of their heads. This is particularly true when…...
Eight Tips For Dealing with a PR Disaster in Your Child Care Business
One of the problems that most child care business owners fear is a public relations nightmare. Sadly, this can happen to almost any child care…...
Value Gap: How It Prevents Many Child Care Owners From Exiting Their Business
Although many things can prevent or delay a child care owner from exiting their business, the number one reason is Value Gap. What is a…...
Taking Money Out Of Your Child Care Business
When taking money out of a business, transactions must be carefully structured to avoid unwanted tax consequences or damage to the business entity. Business owners…...
When an Allegation of Abuse Strikes: A Guide for Child Care Centers
In the realm of childcare, maintaining a safe and nurturing environment for all the children is paramount. While we strive tirelessly to uphold this standard,…...
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…...
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Value Gap: How It Prevents Many Child Care Owners From Exiting Their Business
Although many things can prevent or delay a child care owner from exiting their business...
Using Standard Operating Procedures in Your Child Care Business
Standard Operating Procedures (SOPs) are critical documents that should be implemented in every business, including...
Tips For Welcoming New Child Care Employees
Do You Have an Employee Onboarding or Welcoming Program? Much time, effort, and expense are...
The Chamber of Commerce and Your Child Care Business
One of the most valuable local resources for every child care business is right there...
Taking Money Out Of Your Child Care Business
When taking money out of a business, transactions must be carefully structured to avoid unwanted...
Having QuickBooks Does Not Make You an Accountant
I have always found it curious that the focus on financial management for childcare business...
Handling Negative Online Reviews About Your Child Care Business
If you have a business that deals with the public, particularly a child care business...
Employing Family Members and Taxes
One advantage of operating your own business is hiring family members. However, employment tax requirements...
Employees and Keys to the Child Care Business: Important Things to Consider
As a Child Care business owner, you cannot be in your business every second of...
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FREE – Child Care Owner End of the Year Business Planning
Like most businesses, the end of the year is a busy time for childcare business owners. Before the rush of the holidays begins, it is…...
ChildCareOwner CEO Certification November 2025
In the dynamic and competitive world of childcare, the role of an owner, director, or individual who dreams of managing or owning a childcare business…...
Child Care Exit and Succession Planning
Exit Planning For Child Care Business Owners – Online Workshop Helping Child Care Owners Achieve Their Business and Personal Exit Goals Preparing to realize…...
- Accounts Payable
- Accounts Payable Days
- Accounts Receivable
- Accounts Receivable Days
- Activity Ratio
- Asset Based Approach
- Asset Turnover
- Breakeven Margin of Safety
- Casement Window
- Cash Conversion Cycle
- Cash Flow Coverage
- Cash on Hand
- Cash Ratio
- Cash to Current Assets Ratio
- Certificate of Completion
- ChildCareOwner CEO Certification
- Construction Schedule
- Contingency
- Current Ratio
- Customer Lifetime Value
- Debt to Total Assets
- Earn-Out
- EBIT Growth
- Economic Profit
- Equity to Assets
- Expense Change
- Expense-to-Revenue Ratio
- Financially Healthy
- Fixed Asset Turnover
- Free Cash Flow
- Gross Profit Growth
- Gross Profit Margin
- Income Approach
- Interest Cover
- Inventory Days
- Market Approach
- Net Cash Flow
- Net Profit After Tax Margin
- Net Variable Cash Flow
- Operating Cash Flow
- Operating Cash Flow to Current Liabilities
- Profitability Ratio
- Quick Ratio
- Return of Capital Employed
- Revenue Growth
- Seller Financing
- Total Revenue
- Working Capital Absorption
View previous and current issues of the Child Care Owner magazine.
Your Personal Financial Picture and Loan Repayment
Jonathan Lamb, our expert child care banker details how important your personal financial picture is...
Why Do You Need a Loan?
So, you are thinking about applying for a loan. The first place to start is...
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...
What is the SBA
In this video, Jonathan Lamb, our expert child care banker explains what the SBA...
USDA Business Loans
Menu Dashboard Calendar Cubby Cast Forums Library Q & A Calls Quick Wins Resources Roadmaps...
Taking on Debt
Our child care expert banker, Jonathan Lamb, provides informative things you should consider before taking...
Renegotiate Lease or Loan
Menu Dashboard Articles Calendar Forums Library Q & A Calls Quick Wins Resources Roadmaps LOG...
RE Sale Lease Back – Refinance
Child care business owners often have a substantial portion of their net worth and available...
Playground Safety – Quick Win
In this Quick Win, Donna Marcus, our child care insurance expert, shares some great tips...