California micro-market
Healthcare practice financing in Avenal, California
Direct answer
Kings County carries 0 SBA healthcare approvals worth $0, and inside Avenal the census shows 26 enumerated clinicians against 14,108 residents, 18.4 per 10,000, 27 percent of them in sud treatment and residential. Hanford-Corcoran, CA lies 33 miles away.
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- Population: 14,108 residents (10K-25K band)1
- Healthcare providers registered here: 26 across 9 fields2
- Median household income: $52,9863
- Largest provider field: SUD treatment and residential: 7 registered providers2
- Nearest metro: Hanford-Corcoran, CA, 33 miles1
- Lending establishments in the county: 36 credit intermediation establishments4
Who is enumerated in Avenal
Counted at the town's own addresses: 26 providers, 9 fields, 18.4 clinicians per 10,000 of the 14,108 residents here
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| SUD treatment and residential | 7 | 5.0 | NPPES [2] |
| Primary care and family medicine | 4 | 2.8 | NPPES [2] |
| General dentistry | 3 | 2.1 | NPPES [2] |
| Telehealth and virtual clinics | 3 | 2.1 | NPPES [2] |
| Chiropractic | 2 | 1.4 | NPPES [2] |
| NEMT and ambulance | 2 | 1.4 | NPPES [2] |
| Independent pharmacy | 2 | 1.4 | NPPES [2] |
| Specialty physician groups | 2 | 1.4 | NPPES [2] |
| Behavioral and mental health group practices | 1 | 0.7 | NPPES [2] |
| Medical equipment suppliers | 1 | CMS [5] |
SUD treatment and residential carries 7 of the 26 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
Loan activity in Kings County
0 healthcare approvals sit in the county file, so an appraiser here works from a short comparable set
| What it measures | Value | How to read it |
|---|---|---|
| SBA healthcare approvals | 0 | Counted for the fiscal year the SBA publishes [6] |
| Approved dollars | $0 | Everything approved to healthcare borrowers, added up [6] |
| Average approval | No approvals recorded | The dollar column over the approval column [6] |
| Lending establishments in the county | 36 | Places that write credit locally, NAICS 522 [4] |
Reading Avenal the way a credit committee does
18.4 per 10,000 is the first number a credit analyst converts into a realistic new-patient count. With 0 approvals on record in Kings County, expect a longer appraisal and a wider collateral discount. With $52,986 as the median household income, the payer mix in a projection has to match what Avenal households actually spend.
Where a file from this town usually lands
- Practice acquisition
- Working capital term loan
- Commercial real estate, owner-occupied
- Expansion, relocation, and build-out
- Startup and de novo
The order comes from Avenal's own provider mix, which sud treatment and residential dominates at 27 percent. What a partner can actually place in California is a separate question.
Underwriting by field in Avenal
What a funder opens first depends on the field. In Avenal that means sud treatment and residential, primary care and family medicine, general dentistry.
| Field | What the file turns on | The capital event behind most requests |
|---|---|---|
| SUD treatment and residential (7) | Census and level of care mix, In-network versus out-of-network billing history, Utilization review outcomes | Facility real estate |
| Primary care and family medicine (4) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| General dentistry (3) | 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 Avenal prices against its neighbors
Comparables travel. These are the California towns whose density, at 18.4 per 10,000 here, gets weighed beside this one.
| Comparable | People | Enumerations | Per 10,000 residents | Miles |
|---|---|---|---|---|
| Avenal (current) | 14,108 | 26 | 18.4 | |
| Coalinga | 16,722 | 36 | 21.5 | 14 |
| Lemoore | 27,057 | 115 | 42.5 | 25 |
| Corcoran | 22,627 | 52 | 23.0 | 31 |
| Hanford | 60,594 | 350 | 57.8 | 33 |
| Tulare | 72,601 | 261 | 35.9 | 45 |
| Kingsburg | 13,128 | 61 | 46.5 | 46 |
How Avenal sits against the nearest metro
Distance to Hanford-Corcoran, CA is 33 miles. That is close enough for rent in Avenal to be compared against the metro and far enough that patient draw is not. Median household income runs $52,986, which is the number a funder converts into case acceptance on anything elective or cash-pay. With no hospital in town, a projection has to name where referrals and coverage come from.
Nearby California towns
What owners in Avenal ask
01How many providers practice in Avenal, and in what?
26 enumerations sit at Avenal addresses in the monthly NPPES file, working out to 18.4 for every 10,000 residents. 27 percent of them are sud treatment and residential, and primary care and family medicine follows with 4. An enumeration is a clinician, so the 26 here cover fewer than 26 practices.
02What does Kings County's shortage designation change?
Designated for primary care, dental, mental health, Kings County qualifies its clinicians for federal repayment support. On a file that turns on adding staff, that is the difference between a hiring assumption and a hiring plan.
03Why does Kings County show so little SBA activity?
Kings County shows 0 approvals in the SBA healthcare file, which means an appraiser reaches outside the county for comparables. Few sales, not weak credit, is the usual reason. 36 lending establishments operate locally.
04What does a $52,986 median income mean for case acceptance?
Median household income in Avenal runs $52,986. On elective and cash-pay work that is the number a funder converts into case acceptance, and it sets how much of a treatment plan a projection can assume gets started rather than deferred.
05Is Avenal underwritten as part of Hanford-Corcoran, CA?
Hanford-Corcoran, CA sits 33 miles away, close enough that appraisers reach into that market for rent and resale comparables while your patient draw stays local. The comparables read Hanford-Corcoran, CA; the 14,108 residents set the ceiling a projection can defend.
06Which fields carry the volume in Avenal?
SUD treatment and residential at 7 providers and primary care and family medicine at 4 lead the 9 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.
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
- 4U.S. Census Bureau, County Business Patterns 2022
- 5CMS Care Compare provider datasets
- 6U.S. Small Business Administration, 7(a) and 504 approvals
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