California micro-market
Healthcare practice financing in Azusa, California
Direct answer
Density decides a lot here. Azusa runs 27.9 providers per 10,000 residents, 135 clinicians against 48,383 people, 21 percent of them in physical, occupational, and speech therapy, while Los Angeles County lenders have approved 298 healthcare files worth $229,015,900 and the nearest metro is 30 miles out.
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- Population: 48,383 residents (25K-50K band)1
- Healthcare providers registered here: 135 across 22 fields2
- Median household income: $85,7273
- Largest provider field: Physical, occupational, and speech therapy: 28 registered providers2
- Medicare-certified providers in town: 5 across 4 categories4
- Nearest metro: Los Angeles-Long Beach-Anaheim, CA, 30 miles1
What NPPES records at Azusa addresses
The NPPES file puts 135 enumerated clinicians inside Azusa, spread over 22 fields at 27.9 per 10,000 residents
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Physical, occupational, and speech therapy | 28 | 5.8 | NPPES [2] |
| General dentistry | 19 | 3.9 | NPPES [2] |
| ABA and autism therapy | 18 | 3.7 | NPPES [2] |
| Primary care and family medicine | 12 | 2.5 | NPPES [2] |
| Dental specialties | 7 | 1.4 | NPPES [2] |
| Behavioral and mental health group practices | 7 | 1.4 | NPPES [2] |
| Clinical and toxicology labs | 6 | 1.2 | NPPES [2] |
| Independent pharmacy | 5 | 1.0 | NPPES [2] |
| Specialty physician groups | 5 | 1.0 | NPPES [2] |
| Home health | 4 | 0.8 | NPPES [2] |
| Chiropractic | 4 | 0.8 | NPPES [2] |
| Telehealth and virtual clinics | 4 | 0.8 | NPPES [2] |
| DME and HME suppliers | 3 | 0.6 | NPPES [2] |
| Hospice and palliative | 3 | 0.6 | NPPES [2] |
| SUD treatment and residential | 2 | 0.4 | NPPES [2] |
| Optometry and ophthalmology | 2 | 0.4 | NPPES [2] |
| IDD services | 1 | 0.2 | NPPES [2] |
| ASCs and OBLs | 1 | 0.2 | NPPES [2] |
| Pain management and interventional | 1 | 0.2 | NPPES [2] |
| Non-medical home care | 1 | 0.2 | NPPES [2] |
| Med spa and aesthetics | 1 | 0.2 | NPPES [2] |
| Dialysis and infusion centers | 1 | 0.2 | NPPES [2] |
| Medical equipment suppliers | 3 | CMS [4] | |
| Home health agencies | 2 | CMS [4] | |
| Ambulatory surgical centers | 1 | CMS [4] | |
| Hospice providers | 1 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] |
Several of the 28 physical, occupational, and speech therapy enumerations can belong to one practice, so the column counts clinicians rather than businesses or owners
Loan activity in Los Angeles County
The published file shows 298 healthcare approvals in Los Angeles County, $229,015,900 in total, and that history is what an appraiser and a credit committee reach for
| Measure | Published figure | What sits behind it |
|---|---|---|
| SBA healthcare approvals | 298 | Fiscal year published in the SBA file [5] |
| Approved dollars | $229,015,900 | Sum of approvals to healthcare borrowers [5] |
| Average approval | $768,510 | Dollars divided by approvals [5] |
| Lending establishments in the county | 4,689 | Credit intermediation establishments, NAICS 522 [6] |
How this data lands in an underwriting decision
Density of 27.9 per 10,000 sets the patient draw a projection can claim without an argument. Because Los Angeles County already carries $229,015,900 across 298 healthcare approvals, a request near that average moves faster than one well above it. Household income of $85,727 in Azusa is the number a lender uses to sanity check the self-pay share of a revenue projection.
The programs this provider mix points at
- Practice acquisition
- Startup and de novo
- Working capital term loan
- Expansion, relocation, and build-out
- Equipment financing and leasing
The order comes from Azusa's own provider mix, which physical, occupational, and speech therapy dominates at 21 percent. What a partner can actually place in California is a separate question.
Underwriting by field in Azusa
What a funder opens first depends on the field. In Azusa that means physical, occupational, and speech therapy, general dentistry, aba and autism therapy.
| Field | What the file turns on | The capital event behind most requests |
|---|---|---|
| Physical, occupational, and speech therapy (28) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| General dentistry (19) | Three years of collections history, Hygiene as a share of collections, Overhead ratio and owner add-backs | Acquisition of an established practice |
| ABA and autism therapy (18) | Authorized hours against delivered hours, Payer mix stability, Billing compliance history | Working capital against authorization and billing lag |
The first column is Azusa's own NPPES count. The rest is how the field is generally underwritten, whether the address is Azusa or anywhere else.
Azusa against nearby California markets
27.9 per 10,000 is the figure a neighboring town gets compared against when an appraiser prices Azusa
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Azusa (current) | 48,383 | 135 | 27.9 | |
| Duarte | 23,493 | 319 | 135.8 | 3 |
| Covina | 49,245 | 773 | 157.0 | 4 |
| Glendora | 50,101 | 461 | 92.0 | 4 |
| Monrovia | 37,787 | 353 | 93.4 | 4 |
| Baldwin Park | 69,247 | 405 | 58.5 | 5 |
| San Dimas | 33,226 | 379 | 114.1 | 6 |
How Azusa sits against the nearest metro
Distance to Los Angeles-Long Beach-Anaheim, CA is 30 miles. That is close enough for rent in Azusa to be compared against the metro and far enough that patient draw is not. At $85,727 median household income, the elective and cash-pay share of a projection is the line that gets tested first. With no hospital in town, a projection has to name where referrals and coverage come from. A degree-granting institution here moves volume on the academic calendar.
Other California markets
Questions from Azusa
01How many providers practice in Azusa, and in what?
Across 22 fields, Azusa carries 135 enumerated clinicians, 27.9 per 10,000 of the 48,383 people living here. The concentration is in physical, occupational, and speech therapy, 28 of the total, then general dentistry at 19. Count practices from that only with care.
02What does SBA lending look like around Azusa?
The county file behind Azusa holds 298 healthcare approvals totaling $229,015,900, an average of $768,510. Those are the loan sizes lenders in Los Angeles County have already carried.
03What does Los Angeles County's shortage designation change?
Los Angeles County holds a HRSA designation covering primary care, dental, mental health. A pro forma for Azusa can cite it as the reason a vacancy is fillable, which is usually the weakest line in a ramp schedule.
04How many Medicare-certified providers are based in Azusa?
Care Compare lists 5 certified providers with a Azusa address. That count is a proxy for how much of the local revenue arrives on a federal payment cycle rather than at the front desk.
05Which fields carry the volume in Azusa?
Volume concentrates in physical, occupational, and speech therapy, 28 of them, ahead of general dentistry at 19, across 22 fields. A thin second field usually means a longer search for staff than a pro forma allows for.
06Is Azusa underwritten as part of Los Angeles-Long Beach-Anaheim, CA?
Partly. Los Angeles-Long Beach-Anaheim, CA is 30 miles out, so rent and equipment comparables travel in from there while patients still come from the 48,383 residents around Azusa. Cost side metro, revenue side local.
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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