California micro-market
Healthcare practice financing in Bell, California
Direct answer
71 healthcare providers hold a Bell practice address, 22.2 per 10,000 of its 31,930 residents, 31 percent of them in general dentistry. Los Angeles County recorded 298 SBA healthcare approvals worth $229,015,900, and Los Angeles-Long Beach-Anaheim, CA sits 14 miles out.
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- Population: 31,930 residents (25K-50K band)1
- Healthcare providers registered here: 71 across 16 fields2
- Median household income: $60,6413
- Largest provider field: General dentistry: 22 registered providers2
- Nearest metro: Los Angeles-Long Beach-Anaheim, CA, 14 miles1
- SBA healthcare approvals in the county: 298 approvals totaling $229,015,9004
The provider census in Bell
71 providers across 16 fields, 22.2 per 10,000 residents, counted at Bell addresses in the NPPES monthly file
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| General dentistry | 22 | 6.9 | NPPES [2] |
| Primary care and family medicine | 16 | 5.0 | NPPES [2] |
| Specialty physician groups | 7 | 2.2 | NPPES [2] |
| Independent pharmacy | 5 | 1.6 | NPPES [2] |
| Behavioral and mental health group practices | 5 | 1.6 | NPPES [2] |
| Optometry and ophthalmology | 4 | 1.3 | NPPES [2] |
| SUD treatment and residential | 2 | 0.6 | NPPES [2] |
| Telehealth and virtual clinics | 2 | 0.6 | NPPES [2] |
| DME and HME suppliers | 1 | 0.3 | NPPES [2] |
| Urgent care | 1 | 0.3 | NPPES [2] |
| Chiropractic | 1 | 0.3 | NPPES [2] |
| Dental specialties | 1 | 0.3 | NPPES [2] |
| ABA and autism therapy | 1 | 0.3 | NPPES [2] |
| Med spa and aesthetics | 1 | 0.3 | NPPES [2] |
| Clinical and toxicology labs | 1 | 0.3 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 1 | 0.3 | NPPES [2] |
| Medical equipment suppliers | 2 | CMS [5] |
Several of the 22 general dentistry enumerations can belong to one practice, so the column counts clinicians rather than businesses or owners
Los Angeles County approvals, dollars, and lending establishments
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 | Counted for the fiscal year the SBA publishes [4] |
| Approved dollars | $229,015,900 | Everything approved to healthcare borrowers, added up [4] |
| Average approval | $768,510 | The dollar column over the approval column [4] |
| Lending establishments in the county | 4,689 | Places that write credit locally, NAICS 522 [6] |
Reading Bell the way a credit committee does
At 22.2 clinicians per 10,000 residents, the catchment radius in a projection has to be defended rather than assumed. A request measured against 298 prior Los Angeles County approvals is priced on precedent, which shortens the questions about valuation. With $60,641 as the median household income, the payer mix in a projection has to match what Bell households actually spend.
Programs the Bell mix reaches for
- Practice acquisition
- Expansion, relocation, and build-out
- Startup and de novo
- Equipment financing and leasing
- Commercial real estate, owner-occupied
The 16 fields practicing locally set this order. A funding partner, not this list, decides what is available in California.
Underwriting by field in Bell
What a funder opens first depends on the field. In Bell that means general dentistry, primary care and family medicine, specialty physician groups.
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| General dentistry (22) | Three years of collections history, Hygiene as a share of collections, Overhead ratio and owner add-backs | Acquisition of an established practice |
| Primary care and family medicine (16) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| Specialty physician groups (7) | Ancillary revenue contribution, Provider productivity, Payer contracts | Ancillary build-out |
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 Bell prices against its neighbors
Density is the number that moves an appraisal: 22.2 per 10,000 here
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Bell (current) | 31,930 | 71 | 22.2 | |
| Cudahy | 21,694 | 35 | 16.1 | 1 |
| Maywood | 23,838 | 56 | 23.5 | 1 |
| Bell Gardens | 37,565 | 71 | 18.9 | 2 |
| Commerce | 11,882 | 122 | 102.7 | 2 |
| Huntington Park | 52,166 | 361 | 69.2 | 2 |
| South Gate | 90,805 | 252 | 27.8 | 3 |
Distance, income, and the wage floor around Bell
Distance to Los Angeles-Long Beach-Anaheim, CA is 14 miles. Appraisers borrow Los Angeles-Long Beach-Anaheim, CA rents, and the 31,930 residents set the ceiling on collections. Households here carry $60,641 in median income, and that ceiling decides how much of a treatment plan gets started rather than deferred. With no hospital in town, a projection has to name where referrals and coverage come from.
Nearby California towns
- Cudahy 21,694 residents
- Maywood 23,838 residents
- Bell Gardens 37,565 residents
- Commerce 11,882 residents
- Huntington Park 52,166 residents
- South Gate 90,805 residents
Bell owners, answered
01How many providers practice in Bell, and in what?
Across 16 fields, Bell carries 71 enumerated clinicians, 22.2 per 10,000 of the 31,930 people living here. The concentration is in general dentistry, 22 of the total, then primary care and family medicine at 16. Count practices from that only with care.
02What does SBA lending look like around Bell?
Healthcare borrowers in Los Angeles County took 298 approvals worth $229,015,900 in the published fiscal year, averaging $768,510. That is the comparable set an appraiser near Bell reaches for first.
03Is Bell underwritten as part of Los Angeles-Long Beach-Anaheim, CA?
Comparables and demand split at 14 miles. An appraiser prices the lease and the equipment off Los Angeles-Long Beach-Anaheim, CA; the revenue line has to hold up against 31,930 local residents.
04What 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 Bell can cite it as the reason a vacancy is fillable, which is usually the weakest line in a ramp schedule.
05Is there local lending capacity in Los Angeles County?
County Business Patterns records 4,689 credit intermediation establishments in Los Angeles County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Bell rents and resale before or by somebody working from a screen.
06What does a $60,641 median income mean for case acceptance?
Median household income in Bell runs $60,641. 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.
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. Small Business Administration, 7(a) and 504 approvals
- 5CMS Care Compare provider datasets
- 6U.S. Census Bureau, County Business Patterns 2022
Our team reviews every request within 1 business day. If a funding partner thinks they can help, a specialist from that partner contacts you to discuss next steps.