Children’s Paradise Preschool and Infant Centers: Nurturing Imagination, Building Communities, and Achieving Success with SBA 504 Financing

In the heart of San Diego County, Children’s Paradise Preschool and Infant Centers have been a beacon of early childhood education and care since their inception in 1993. The company has rapidly expanded in recent years, opening new facilities in Carlsbad, Escondido, and Poway, CA.

Julie Lowen, Founder and President of Children’s Paradise, has fueled the company’s growth by focusing on delivering services that cater to the needs of children and their families. In a recent article by the San Diego Business Journal, Lowen explains, “We provide family support systems. What we’ve done is create centers where a family can hook themselves up to every single thing they need to thrive.”

The SBA 504 Program: A Strategic Move for Small Business Expansion

In 2023, Lowen leveraged the SBA 504 Loan Program to acquire the 15,000-square-foot property in Poway, CA for $4.1 million. The Small Business Administration’s (SBA) 504 loan enables small business owners to access up to 90% financing for the purchase, refinance, or construction of commercial real estate.

Merri Adams, SVP, TMC Financing

Merri Adams, Senior Vice President, Business Development at TMC Financing, who facilitated this transaction, emphasizes the advantages of the SBA 504 Program. “The 504 loan is an ideal financing

option for small business owners looking to acquire owner-occupied property.” Adams explains, “With only a 10% down payment, entrepreneurs like Julie can secure their own space and ensure below-market, fixed interest rates for 25 years.”

Julie Lowen highly recommends the SBA 504 loan program for fellow small business owners.

Julie Lowen, Founder, Children’s Paradise

“Owning my facility in Poway has been truly empowering. I plan to customize the space to provide the best care for the children and their families. To any small business owner looking to purchase their building, the 504 loan is the way to go. Merri and her team have offered their guidance and support for many years, and I am beyond grateful.”

A Bright Future Ahead

Lowen’s Poway location intends to accommodate over 200 enrolled children and offer a beautiful outdoor area to promote hands-on learning.

With 11 childcare centers already transforming young lives, and more on the horizon, Children’s Paradise Preschool and Infant Centers, are making a significant impact on approximately 2,500 families in the San Diego area.

Lowen’s success not only highlights the importance of strategic financing but also showcases the dedication and passion of a small business owner who turned her dream into reality.

For more information about Children’s Paradise Preschool & Infant Centers, please visit their website at

For those interested in learning more about the SBA 504 Loan Program contact TMC Financing today.