A Metairie, LA child care center can fund classroom furniture and indoor play equipment with equipment financing or a term loan, and teacher pay during enrollment growth with working capital. A second center's movable equipment can go on a term loan of its own. Outdoor playground equipment, surfacing, fencing and building work are outside these requests. Wrenwick shapes the request, and funding partners decide.
A Wrenwick Commercial Capital article on funding classroom furniture, indoor play equipment and staff at a child care center in Metairie, Louisiana.
Infant rooms and classroom furniture
An infant room is furnished piece by piece: commercial cribs, changing stations with steps, gliders for feeding, feeding chairs, cubbies, and storage that keeps supplies off the floor. Toddler and preschool rooms add child-size tables and chairs and stackable rest cots. The owner settles the room plan before ordering, since it drives the furniture list.
| Item | Qty | Each | Line total |
|---|---|---|---|
| Commercial cribs | 8 | $520 | $4,160 |
| Changing stations with steps | 2 | $1,450 | $2,900 |
| Gliders for feeding | 2 | $480 | $960 |
| Feeding chairs | 4 | $310 | $1,240 |
| Cubbies and storage | 1 | $2,300 | $2,300 |
| Toddler tables and chairs | 1 | $3,800 | $3,800 |
| Rest cots | 20 | $65 | $1,300 |
| Total | $16,660 |
The $16,660 order costs $545.43 monthly with equipment financing spread across 36 months at an 11% annual rate. Spread over 8 infant spaces alone, it is about $68.18 per child per month.
Few of the parish's centers are very small employers. Child day care services (NAICS 624410) had 74 employer establishments in Jefferson Parish, LA in 2023, and only 15 of them, 20.3%, had fewer than five employees, against 51.2% of all employer establishments in the parish (CBP).
Indoor play equipment and soft-play panels
Indoor climbers, soft-play slides and modular play panels are identifiable, movable equipment for a center's indoor play room. This example covers only that equipment. Outdoor playground equipment, surfacing, fencing and other site work are outside this site; the owner confirms the play-room setup with the insurer.
Illustration only, invented figures: a $43,200 indoor play set for a 2,400 square-foot play room averages $18 per square foot of floor. A used set at $10,800, plus about $1,600 a year in maintenance, costs $18,800 over 5 years. The new set costs $24,400 more over those five years but needs little upkeep.
Add 260 modular floor tiles at $38 each ($9,880) and $7,500 of soft-play panels, and the movable-equipment package comes to $60,580. A 60-month term loan at a 10.5% annual rate gives that purchase a $1,302.10 monthly payment. The room layout comes before the quote.
Teacher pay while enrollment grows
Staff ratios mean a center hires before a room fills. A new toddler room needs its teachers on the first day, even if only a third of the spaces are taken, and tuition catches up as families enroll. The gap between those two lines is what working capital carries.
| Month | Children enrolled | Tuition | Room payroll | Result |
|---|---|---|---|---|
| Month 1 | 4 | $4,200 | $8,450 | $4,250 short |
| Month 2 | 7 | $7,350 | $8,450 | $1,100 short |
| Month 3 | 10 | $10,500 | $8,450 | $2,050 ahead |
| Month 4 | 12 | $12,600 | $8,450 | $4,150 ahead |
The room payroll is $3,900 every two weeks, which is $8,450 a month on average (26 paydays over 12 months). In this example the room runs short by $5,350 in total before enrollment passes the payroll, and that sum, not a round number, is the amount to ask about.
Parish figures show how much of a center's budget is people: $27.7 million of annual payroll was paid to 1,028 child day care employees in Jefferson Parish, LA in 2023 (CBP), about $26,967 each by our arithmetic, part-time staff included.
Movable equipment for a second center
A second center needs classroom furniture, indoor play equipment, security devices and payroll before enrollment covers operating costs. The first center's records are the core of the request. Fixed room alterations, plumbing, permanent fencing and building systems are not included in the movable-equipment budget.
| Item | Amount |
|---|---|
| Second-site fixtures and security equipment | $210,000 |
| Furniture and classroom equipment | $46,000 |
| Indoor play equipment and soft-play panels | $38,000 |
| Deposits and other opening costs | $12,000 |
| Payroll reserve for opening months | $48,000 |
| Total | $354,000 |
The owner contributes $70,000 and borrows the remaining $284,000; at a 10.25% annual rate, that term loan has 84 payments of $4,751.50. Match the occupancy rights to the repayment schedule: the lease should not expire before the loan is repaid. This example assumes leased space; a mortgage on the building is not something Wrenwick arranges.
Seven child day care employer establishments had a ZIP 70001 address in 2023 (ZBP), a ZIP figure. 2024 Nonemployer Statistics counted 547 child care services businesses with no paid employees in Jefferson Parish, LA, under the wider NAICS 62441 group. Parish counts for centers are on the daycare centers page, and the request form takes the second-site budget.
By Wrenwick Commercial Capital · Updated





