Child day care services with a payroll numbered 229 across Shelby County, TN in 2023, County Business Patterns shows.
Equipment financing for indoor climbers, a commercial laundry pair with bottle refrigerators, and classroom tablets with multi-seat strollers, plus a working capital loan for six weeks of overlap pay between two lead teachers, each worked as an invented example.
At a glance
- Child day care services, Shelby County, TN
229 employer establishments (CBP 2023)
- Providers under five employees, Shelby County, TN
62, or 27.1% (CBP 2023)
- Child day care services with a ZIP 38017 address
8 establishments (ZBP 2023)
- Example terms on this page
6 to 36 months, all invented
What Collierville, TN daycare centers check before financing indoor climbers and mats
Indoor gross-motor equipment, such as soft foam climbers, tumbling mats and a freestanding indoor climber, gives toddlers room to move while they are inside. Before financing it, a daycare center can check that each piece stands on its own rather than being fixed to a wall or floor, that the dealer’s quote lists every piece with its price, and that the term fits how long the equipment should last.
Illustration only, invented figures: a Collierville, TN child care provider buys soft climbers, mats and an indoor climber for $7,125, financed over 24 months at a 12.9% annual rate. Two years at an invented $338.40 a month comes to $8,121.60, and $996.60 of that invented total is interest.
The pieces in this invented case stand on their own and can be moved between rooms, which keeps them equipment. The equipment financing page explains how the items bought can secure a loan of this kind.
Cash flow around a lead teacher’s overlap weeks at a Collierville, TN child care provider
When a lead teacher gives notice well ahead of leaving, a provider may hire the replacement early so the two teach side by side and the children get to know the new teacher before the change. For those weeks one classroom carries two salaries, which is a working capital cost rather than equipment.
Illustration only, invented figures: the incoming teacher earns $865 a week and overlaps for six weeks, $5,190 in added pay; with the overlap starting on a payroll week, that is three biweekly checks of $1,730 in this invented calendar. A working capital loan for $5,190 over 6 months at a 14.3% annual rate carries an invented payment of $901.43 a month, and the six invented payments total $5,408.58.
In this invented case the first loan payment lands during the overlap itself, so the provider covers it from tuition already collected. A draw on a business line of credit is the other way to carry the extra pay, with interest charged only while the draw is out.
Replacing the laundry pair and bottle refrigerators at a Shelby County, TN infant room
An infant room goes through bibs, burp cloths and crib sheets all day, and a provider that washes them on site needs a washer and dryer built for that load; bottles of formula and expressed milk need labeled cold storage of their own. A commercial washer, dryer and under-counter refrigerators are machines a provider buys from a dealer, so they fit an equipment request with the machines as security. The water, drain and dryer-vent hookups are property work outside this site.
Illustration only, invented figures: a Shelby County, TN infant room replaces its washer and dryer with a commercial pair at $4,680 and adds two under-counter refrigerators at $1,140 each ($2,280), $6,960 in all, financed over 36 months at an 11.9% annual rate. That works out to an invented $230.84 per month, or $8,310.24 across three years of invented payments, $1,350.24 of it interest.
A partner may ask whether the machines replace older ones, and for the dealer’s quote with model numbers.
Classroom tablets and multi-seat strollers for Collierville, TN toddler rooms
Toddler rooms run on gear that tracks the day or leaves the building with the children: tablets that teachers use for check-in, meal and nap logs, and multi-seat strollers for walks outside the center. Both are equipment a provider buys from a dealer, and both move with the provider if it ever relocates.
Illustration only, invented figures: a Collierville, TN provider buys six classroom tablets at $384 each ($2,304) and three six-seat strollers at $1,490 each ($4,470), $6,774 together, financed over 30 months at a 12.45% annual rate. In this invented case the provider pays $263.92 a month, $7,917.60 across 30 payments, $1,143.60 of which is interest.
One business term loan can also carry equipment for several rooms, such as the laundry pair, tablets, strollers and climbers on this page, if the provider wants a single payment and a partner agrees.
Child day care services in Shelby County, TN and ZIP 38017: establishments, staff and payroll
Child day care services (NAICS 624410) had 229 employer establishments in Shelby County, TN in 2023 County Business Patterns, and 62 of them, or 27.1%, had fewer than five employees. Across all 229, payroll for 2023 came to $78.6 million and the March pay period counted 3,354 people on staff, figures for the whole group, not any single provider.
Eight child day care services establishments had a location in ZIP 38017 during 2023, according to ZIP Code Business Patterns.
In 2024 Nonemployer Statistics, Shelby County, TN had 2,831 child care services businesses (NAICS 62441) with no paid employees, a separate Census program with its own code. All-sector ZIP 38017 counts are on the Collierville, TN page, and the industries page groups child day care with retail and auto repair.
By Baydale Funding Group · Updated