Child Care Center Feasibility Study in the Portland-South Portland, ME Metro Area

How Portland-South Portland ranks for child care center

Ordered across metro and micro areas, Portland-South Portland, ME comes in 49 of 493; SBA approved 42 loans there from FY2017 to FY2026, worth $12.1 million. The child care center share of Portland-South Portland's loans is 1.30x the national share: Portland-South Portland favors the class heavily. Among Portland-South Portland's classes it ranks 6 of 39, a leading line here. Each Portland-South Portland project county is in ME.

In Portland-South Portland, the median loan is $194,000, and the central loans span $104,500 to $358,500. That median is 0.43x the class median nationally, so Portland-South Portland borrowers take smaller loans. The program split is withheld for Portland-South Portland. Few Portland-South Portland loans back the split; Portland-South Portland gaps never mean zero. The share of franchised loans in Portland-South Portland is 0.00%, brand reliance in brief. For Portland-South Portland borrowers, that is context only.

Portland-South Portland holders and counties for child care center

The 7(a) side for Portland-South Portland lists no one, the count needed to be named. The 504 table for Portland-South Portland is empty. Portland-South Portland rows are SBA records. These Portland-South Portland loans sit with the lenders named. The Portland-South Portland table describes files, not practices. Portland-South Portland rows state no lender requirement. Portland-South Portland place by place: Cumberland County, ME records 22 loans.

Year by year, Portland-South Portland shows 7 loans and $2.9 million in FY2022. FY2017 through FY2021 and FY2023 through FY2026 are not published for Portland-South Portland, as counts are thin, so Portland-South Portland's blanks are not quiet years. FY2017 to FY2024 approvals in Portland-South Portland ended in cancellation after approval, at least 16.2%. Undisbursed loans counted too, the ceiling is 16.2%. Portland-South Portland has no published charge-off floor. Portland-South Portland's thin cohort stays unpublished. The Portland-South Portland totals follow the 2023 federal list, with Portland-South Portland loans placed by project county, and Portland-South Portland excludes any county it cannot match. In Portland-South Portland, the code cannot separate homes that offer child care from centers, so the figures here include both kinds of operator.

What a Portland-South Portland child care center study must prove

For a child care center project in Portland-South Portland, ME, the record gives context; a study proves. Portland-South Portland reviewers will check subsidy income against private tuition. Portland-South Portland lenders need the study to show staffing ratios set by rule. Portland-South Portland analysis should establish the licensing timeline before first tuition. A Portland-South Portland study begins by testing how a center differs from home care. Portland-South Portland borrowers should expect the study to document tuition levels against household incomes. Portland-South Portland tests demand, cost, coverage and value. Portland-South Portland lenders get evidence, not a promise.