Child Care Center Feasibility Study in the Portland-Vancouver-Hillsboro, OR-WA Metro Area

How Portland-Vancouver-Hillsboro ranks for child care center

Portland-Vancouver-Hillsboro, OR-WA places 33 of 493 when metro and micro areas are ordered, on 70 SBA approvals worth $61.6 million across FY2017 to FY2026. Share of loans for child care center in Portland-Vancouver-Hillsboro comes to 0.74x the national share: Portland-Vancouver-Hillsboro tilts away from the class. Within Portland-Vancouver-Hillsboro's own mix the class ranks 7 of 39, a leading line here. This Portland-Vancouver-Hillsboro area crosses OR and WA, so loans cross state lines.

Portland-Vancouver-Hillsboro loans center on $669,250, the median, and the middle half ranges $240,475 to $1.1 million. The median is 1.48x the class median nationally, so Portland-Vancouver-Hillsboro borrowers take larger loans. 59 loans use SBA 7(a) and 11 run through SBA 504, a first question. Portland-Vancouver-Hillsboro borrowers use 504 for property and long-lived equipment. The franchised share of loans in Portland-Vancouver-Hillsboro is 17.1%, a read on branding. Portland-Vancouver-Hillsboro borrowers can read that as context.

Child care center lenders in Portland-Vancouver-Hillsboro

Among 7(a) loans in Portland-Vancouver-Hillsboro, the largest holders listed are KeyBank National Association (8 loans, $4.7 million); Banc of California (7 loans, $8.5 million); U.S. Bank, National Association (6 loans, $3.4 million); Wells Fargo Bank National Association (5 loans, $6.4 million); and Columbia Bank (OR) (5 loans, $825,400). For SBA 504 in Portland-Vancouver-Hillsboro, The Mortgage Capital Development Corporation (5 loans, $4.3 million). Portland-Vancouver-Hillsboro rows are SBA records. The Portland-Vancouver-Hillsboro lenders named hold or held them. The Portland-Vancouver-Hillsboro table describes files, not practices. Nothing in Portland-Vancouver-Hillsboro shows what a lender will ask. Across Portland-Vancouver-Hillsboro counties, Washington County, OR holds 25 loans; next come Multnomah County, OR with 23 and Clark County, WA with 10.

Portland-Vancouver-Hillsboro's published years show 7 loans and $7.6 million in FY2019, 11 loans and $9.0 million in FY2020, 7 loans and $5.2 million in FY2021, 6 loans and $3.7 million in FY2022, 8 loans and $6.4 million in FY2023, 6 loans and $4.1 million in FY2024, 6 loans and $6.3 million in FY2025 and 9 loans and $11.8 million in FY2026. FY2017 and FY2018 do not appear because their counts are thin, so a gap in the series means withheld, nothing more. The FY2017 to FY2024 approvals recorded in Portland-Vancouver-Hillsboro fell through after approval, a floor of 16.4%. The ceiling, with undisbursed loans counted, is 16.4%. For Portland-Vancouver-Hillsboro, no charge-off floor is printed. A thin Portland-Vancouver-Hillsboro cohort means unpublished. Every Portland-Vancouver-Hillsboro figure follows the 2023 federal definition, so each Portland-Vancouver-Hillsboro loan is placed by county, and Portland-Vancouver-Hillsboro omits unmatched counties. The Portland-Vancouver-Hillsboro record cannot divide family child care homes from centers, and these counts include both kinds of operator.

A child care center study for Portland-Vancouver-Hillsboro: the tests

Portland-Vancouver-Hillsboro treats child care center figures as background; a study decides. The Portland-Vancouver-Hillsboro file should document the licensing timeline before first tuition. For Portland-Vancouver-Hillsboro, we would first examine the path from opening to full enrollment. Portland-Vancouver-Hillsboro analysis should establish tuition levels against household incomes. In Portland-Vancouver-Hillsboro, a study has to test debt service coverage at partial enrollment. In Portland-Vancouver-Hillsboro, we start by examining licensed capacity, room by room. Portland-Vancouver-Hillsboro tests demand, cost, coverage and value. A Portland-Vancouver-Hillsboro study guarantees nothing to lenders.