AFTER STRUGGLING for months to sustain her child care business at home, Minerva Caba Toribio thought she would have to close due to rent increases and high costs. But now, she’s able to operate out of a classroom located on Granite Street in Worcester at the Guild of St. Agnes, the largest early education and care agency in Central Massachusetts. Caba Toribio has space for 10 children, with five currently enrolled and three others that will soon be joining.

“We serve Brazilian families, Latin American families, immigrant families,” she said. “They feel comfortable to see that we can speak the same language and we have the same traditions.”

Caba Toribio will be able to use the space rent-free for two years. By saving on rent, utilities, meals, and other expenses, she hopes to restart her home-based child care service once the time is up.

It’s all part of a pilot program called the Family Childcare Success Project, formed in partnership by the Guild of St. Agnes – which serves almost 2,000 children across roughly 150 child care establishments — and the Worcester-based Seven Hills Foundation — which provides supportive services to children, adults, and seniors with disabilities and other life challenges. Their new family child care incubator — only the third of its kind in the nation — provides two classroom spaces that were empty due to a lack of staffing to two licensed educators to operate their child care businesses while they prepare to later offer the service in their homes. The program is meant to provide more child care slots in an area where demand is high but supply is low, while also making it easier for family child care entrepreneurs to get their start.

“In addition to expanding care to more children and families by using classrooms that were otherwise empty, we are able to share services such as transportation, healthy meals, and business support to the resident educators as they establish their new businesses,” said Sharon MacDonald, president and CEO of the Guild of St. Agnes.

The program, which can accommodate up to 20 children, was modeled after another family child care incubator in Boston, which was the first of its kind in the Commonwealth and provides short-term program space, resources, and training for newly licensed family child care entrepreneurs. The other incubator program launched in San Francisco in 2019 and has trained and established more than 100 new child care businesses, creating over 800 new child care slots.

“I was thinking about closing my business, so when I heard about the incubator, I thought, ‘That can’t be possible. I will have a space where I can keep working with the same families that I had at my home?’” Caba Toribio said.

The other resident educator, Eva Fajardo Marroquín, is a newly licensed provider who will lead the second classroom with 10 children.

Around 59,000 (70 percent) of infants, around 43,000 (43 percent) of toddlers, and around 10,000 (5 percent) of preschoolers in Massachusetts live in a child care access desert. The state defines this as areas where for every three children there is only one child care slot, though there are regions in central Massachusetts where the ratio is greater than ten children to one slot.

Granite Street is in the heart of one of Worcester’s child care deserts, according to Leslie Baker, program director for the Seven Hills Foundation’s Center for Childcare Careers.

The children’s tuition is covered by state subsidies, meaning the Guild of St. Agnes and the Seven Hills Foundation are not responsible for the educators’ salaries. A $1 million grant from the Health Foundation of Central Massachusetts allows them to pay for the building, the classroom equipment and supplies, and a full-time project coordinator who provides case management, business training, and professional development support for the two educators. (The foundation also provides grant funding to CommonWealth Beacon.) The educators will soon establish savings accounts so the coordinator can document their progress towards their long-term business goals.

Cost isn’t the only barrier that aspiring educators face in trying to open family child care businesses. Many, including Caba Toribio, face landlord resistance and struggle to find homes or apartments that allow family child care to operate. Others struggle with navigating the licensing process with the Massachusetts Department of Early Education and Care.

Many of the families served by the Guild’s child care programs qualify for Child Care Financial Assistance (CCFA) vouchers from the state. But that system remains underfunded even after the Legislature approved Gov. Maura Healey’s proposal to change the income eligibility threshold from 50 percent of the state median income to 85 percent last year. That move added 4,000 low and moderate-income families to the program, but more than 30,000 children were on the statewide waitlist for the program at the end of 2025.

“It’s opportunities like this that are making sure we are creating pathways for early educators, because the more classrooms we can fill with great educators, the more slots that will become available for the littlest learners in our community,” said Sen. Robyn Kennedy, a Democrat representing Worcester, at the pilot program’s ribbon-cutting event on Monday.

The Commonwealth’s early child care system continues to suffer from a workforce problem due to low earnings, a lack of employee benefits, and subsequently high turnover.

Among family child care program owners and employees, just over 40 percent receive paid time off, around 25 percent receive paid sick leave, around five percent receive discounted child care, and less than 8 percent receive dental insurance and retirements benefits, according to a 2025 analysis published by the Massachusetts Taxpayers Foundation. Just 4 percent of employees receive health insurance compared to 15 percent of owners.

“I don’t think we often think of childcare as a business,” said Sen. Michael Moore, a Millbury Democrat who represents Worcester. “You can’t be successful if you can’t operate it, put the business model together, and be able to afford it.”

Caba Toribio said many families prefer home-based family child care over center-based child care because it is often less expensive, more flexible, and tightly knit.

“We have a small group. Some parents prefer that. The children have the opportunity to feel like they are part of a family,” she said. “Here in the center, I keep the same concept. Because it’s a small group, they feel safe.”

Baker and MacDonald want to ensure that the program is sustained after the educators move out in two years.

“As they eventually launch their business, part of the project is to backfill it and continue this on,” MacDonald said. “One of the questions, obviously, is: What does it cost to do that without the grant funding?”

They are confident that eventually, other cities and programs across the state will pursue their own incubator projects.

“We’re trying to develop a model that could be replicable by other family child care systems,” Baker said. “We’d like to be that resource for other systems that are interested in developing this.”

This article is part of CommonWealth Beacon’s ongoing coverage of early childhood education issues and is funded, in part, by the Commonwealth Children’s Fund.