California micro-market
Healthcare practice financing in Alameda, California
Direct answer
Alameda County carries 41 SBA healthcare approvals worth $25,456,700, and inside Alameda the census shows 703 enumerated clinicians against 78,795 residents, 89.2 per 10,000, 34 percent of them in aba and autism therapy. Vallejo, CA lies 25 miles away.
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- Population: 78,795 residents (50K-100K band)1
- Healthcare providers registered here: 703 across 25 fields2
- Median household income: $132,0153
- Largest provider field: ABA and autism therapy: 241 registered providers2
- Medicare-certified providers in town: 6 across 2 categories4
- Nearest metro: Vallejo, CA, 25 miles1
Fields practicing inside Alameda
703 providers across 25 fields, 89.2 per 10,000 residents, counted at Alameda addresses in the NPPES monthly file
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| ABA and autism therapy | 241 | 30.6 | NPPES [2] |
| Physical, occupational, and speech therapy | 90 | 11.4 | NPPES [2] |
| General dentistry | 58 | 7.4 | NPPES [2] |
| Chiropractic | 52 | 6.6 | NPPES [2] |
| Specialty physician groups | 49 | 6.2 | NPPES [2] |
| Optometry and ophthalmology | 45 | 5.7 | NPPES [2] |
| Primary care and family medicine | 29 | 3.7 | NPPES [2] |
| Behavioral and mental health group practices | 23 | 2.9 | NPPES [2] |
| Dental specialties | 19 | 2.4 | NPPES [2] |
| DME and HME suppliers | 16 | 2.0 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 14 | 1.8 | NPPES [2] |
| Non-medical home care | 13 | 1.6 | NPPES [2] |
| Home health | 12 | 1.5 | NPPES [2] |
| Hospice and palliative | 11 | 1.4 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 8 | 1.0 | NPPES [2] |
| Podiatry | 7 | 0.9 | NPPES [2] |
| Independent pharmacy | 6 | 0.8 | NPPES [2] |
| Dermatology | 2 | 0.3 | NPPES [2] |
| Clinical and toxicology labs | 2 | 0.3 | NPPES [2] |
| IDD services | 1 | 0.1 | NPPES [2] |
| SUD treatment and residential | 1 | 0.1 | NPPES [2] |
| Med spa and aesthetics | 1 | 0.1 | NPPES [2] |
| Clinical research sites | 1 | 0.1 | NPPES [2] |
| Telehealth and virtual clinics | 1 | 0.1 | NPPES [2] |
| Occupational health and drug testing | 1 | 0.1 | NPPES [2] |
| Medical equipment suppliers | 10 | CMS [4] | |
| Home health agencies | 4 | CMS [4] | |
| Hospice providers | 2 | CMS [4] |
Several of the 241 aba and autism therapy enumerations can belong to one practice, so the column counts clinicians rather than businesses or owners
The lending record behind Alameda
The published file shows 41 healthcare approvals in Alameda County, $25,456,700 in total, and that history is what an appraiser and a credit committee reach for
| Measure | Published figure | What sits behind it |
|---|---|---|
| Approvals on record | 41 | Fiscal year published in the SBA file [5] |
| Total approved capital | $25,456,700 | Sum of approvals to healthcare borrowers [5] |
| Mean deal size | $620,895 | Dollars divided by approvals [5] |
| Lenders sited in the county | 594 | Credit intermediation establishments, NAICS 522 [6] |
The consequence of these numbers
A file from here opens on 89.2 providers per 10,000 residents, and everything about volume follows from it. 41 approvals worth $25,456,700 in Alameda County means the size you are asking for has a local precedent to point at. With $132,015 as the median household income, the payer mix in a projection has to match what Alameda households actually spend.
The programs this provider mix points at
- Practice acquisition
- Working capital term loan
- Startup and de novo
- Expansion, relocation, and build-out
- Equipment financing and leasing
Weighted by how often each of the 25 local fields reaches for a program, not by what is easiest to refer. California rules and the partner decide availability.
Underwriting by field in Alameda
aba and autism therapy, physical, occupational, and speech therapy, general dentistry account for most of what is enumerated in Alameda, so those are the files funders see from this town
| Field | What the file turns on | The capital event behind most requests |
|---|---|---|
| ABA and autism therapy (241) | Authorized hours against delivered hours, Payer mix stability, Billing compliance history | Working capital against authorization and billing lag |
| Physical, occupational, and speech therapy (90) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| General dentistry (58) | Three years of collections history, Hygiene as a share of collections, Overhead ratio and owner add-backs | Acquisition of an established practice |
Local counts come from NPPES. What a file turns on is drawn from how the field is generally reviewed, not from any decision about your practice.
How Alameda prices against its neighbors
89.2 per 10,000 is the figure a neighboring town gets compared against when an appraiser prices Alameda
| Comparable | People | Enumerations | Per 10,000 residents | Miles |
|---|---|---|---|---|
| Alameda (current) | 78,795 | 703 | 89.2 | |
| San Leandro | 86,571 | 1,970 | 227.6 | 6 |
| Piedmont | 10,816 | 42 | 38.8 | 6 |
| Emeryville | 13,912 | 192 | 138.0 | 7 |
| Moraga | 16,698 | 40 | 24.0 | 10 |
| Albany | 19,439 | 176 | 90.5 | 11 |
| Orinda | 19,573 | 136 | 69.5 | 11 |
What the geography does to a Alameda projection
25 miles separate Alameda from Vallejo, CA. Rent comparables cross that gap; patients mostly do not. Households here carry $132,015 in median income, and that ceiling decides how much of a treatment plan gets started rather than deferred. Wages here are anchored by the Medicare-certified hospital in town, which is what a staffing line gets measured against. A college in Alameda puts a term-shaped curve into monthly collections.
Nearby California towns
- San Leandro 86,571 residents
- Piedmont 10,816 residents
- Emeryville 13,912 residents
- Moraga 16,698 residents
- Albany 19,439 residents
- Orinda 19,573 residents
What owners in Alameda ask
01How many providers practice in Alameda, and in what?
703 enumerations sit at Alameda addresses in the monthly NPPES file, working out to 89.2 for every 10,000 residents. 34 percent of them are aba and autism therapy, and physical, occupational, and speech therapy follows with 90. An enumeration is a clinician, so the 703 here cover fewer than 703 practices.
02Which fields carry the volume in Alameda?
ABA and autism therapy at 241 providers and physical, occupational, and speech therapy at 90 lead the 25 fields enumerated here. A funder reads that mix as the local competition set and the local hiring pool at once, before it reads a single line of your own numbers.
03What does Alameda County's shortage designation change?
The primary care, dental, mental health designation HRSA carries on Alameda County is a recruiting instrument: it puts repayment incentives in front of candidates, which is how a hiring plan for 78,795 residents gets past the question of who would take the job.
04How does the hospital in Alameda affect a practice file?
Referral flow, coverage, and the local pay scale all trace back to it. The town carries 6 Medicare-certified providers in total. A Alameda projection that names the call arrangement reads better than one that assumes it.
05What does SBA lending look like around Alameda?
Healthcare borrowers in Alameda County took 41 approvals worth $25,456,700 in the published fiscal year, averaging $620,895. That is the comparable set an appraiser near Alameda reaches for first.
06Is Alameda underwritten as part of Vallejo, CA?
Vallejo, CA sits 25 miles away, close enough that appraisers reach into that market for rent and resale comparables while your patient draw stays local. The comparables read Vallejo, CA; the 78,795 residents set the ceiling a projection can defend.
Sources
- 1U.S. Census Bureau, Population Estimates, vintage 2024
- 2CMS NPPES, monthly full replacement file
- 3U.S. Census Bureau, ACS 5-year 2023, table B19013
- 4CMS Care Compare provider datasets
- 5U.S. Small Business Administration, 7(a) and 504 approvals
- 6U.S. Census Bureau, County Business Patterns 2022
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