California micro-market
Healthcare practice financing in Bell Gardens, California
Direct answer
Los Angeles County carries 298 SBA healthcare approvals worth $229,015,900, and inside Bell Gardens the census shows 71 enumerated clinicians against 37,565 residents, 18.9 per 10,000, 23 percent of them in general dentistry. Los Angeles-Long Beach-Anaheim, CA lies 15 miles away.
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- Population: 37,565 residents (25K-50K band)1
- Healthcare providers registered here: 71 across 17 fields2
- Median household income: $55,3723
- Largest provider field: General dentistry: 16 registered providers2
- Nearest metro: Los Angeles-Long Beach-Anaheim, CA, 15 miles1
- SBA healthcare approvals in the county: 298 approvals totaling $229,015,9004
What NPPES records at Bell Gardens addresses
71 providers across 17 fields, 18.9 per 10,000 residents, counted at Bell Gardens addresses in the NPPES monthly file
| Practice type | Count | Rate per 10,000 residents | Published by |
|---|---|---|---|
| General dentistry | 16 | 4.3 | NPPES [2] |
| Primary care and family medicine | 13 | 3.5 | NPPES [2] |
| Clinical research sites | 9 | 2.4 | NPPES [2] |
| ABA and autism therapy | 6 | 1.6 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 5 | 1.3 | NPPES [2] |
| Independent pharmacy | 4 | 1.1 | NPPES [2] |
| ASCs and OBLs | 3 | 0.8 | NPPES [2] |
| Telehealth and virtual clinics | 3 | 0.8 | NPPES [2] |
| Hormone, TRT, and men's health clinics | 2 | 0.5 | NPPES [2] |
| Specialty physician groups | 2 | 0.5 | NPPES [2] |
| Physical, occupational, and speech therapy | 2 | 0.5 | NPPES [2] |
| Home health | 1 | 0.3 | NPPES [2] |
| Chiropractic | 1 | 0.3 | NPPES [2] |
| Dental specialties | 1 | 0.3 | NPPES [2] |
| Optometry and ophthalmology | 1 | 0.3 | NPPES [2] |
| Behavioral and mental health group practices | 1 | 0.3 | NPPES [2] |
| Occupational health and drug testing | 1 | 0.3 | NPPES [2] |
A single Bell Gardens practice can hold more than one of these numbers. 23 percent sit in general dentistry, counted as clinicians rather than as owners.
What Los Angeles County credit files already show
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
| Line | Amount | Reading and source |
|---|---|---|
| Approvals on record | 298 | Fiscal year published in the SBA file [4] |
| Total approved capital | $229,015,900 | Sum of approvals to healthcare borrowers [4] |
| Mean deal size | $768,510 | Dollars divided by approvals [4] |
| Lenders sited in the county | 4,689 | Credit intermediation establishments, NAICS 522 [5] |
The consequence of these numbers
Density of 18.9 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. A $55,372 median household income here sets the ceiling on what an elective or cash-pay line can be expected to carry.
Where a file from this town usually lands
- Practice acquisition
- Expansion, relocation, and build-out
- Startup and de novo
- Equipment financing and leasing
- Working capital term loan
The order comes from Bell Gardens's own provider mix, which general dentistry dominates at 23 percent. What a partner can actually place in California is a separate question.
Underwriting by field in Bell Gardens
Drawn from the fields that actually practice here: general dentistry, primary care and family medicine, clinical research sites
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| General dentistry (16) | 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 (13) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| Clinical research sites (9) | Sponsor payment history, Enrollment against contract milestones, Invoice aging | Sponsor payment lag |
The first column is Bell Gardens's own NPPES count. The rest is how the field is generally underwritten, whether the address is Bell Gardens or anywhere else.
Density beside the neighboring California towns
18.9 per 10,000 is the figure a neighboring town gets compared against when an appraiser prices Bell Gardens
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Bell Gardens (current) | 37,565 | 71 | 18.9 | |
| Bell | 31,930 | 71 | 22.2 | 2 |
| Commerce | 11,882 | 122 | 102.7 | 2 |
| Cudahy | 21,694 | 35 | 16.1 | 2 |
| Maywood | 23,838 | 56 | 23.5 | 3 |
| South Gate | 90,805 | 252 | 27.8 | 3 |
| Huntington Park | 52,166 | 361 | 69.2 | 4 |
How Bell Gardens sits against the nearest metro
15 miles separate Bell Gardens from Los Angeles-Long Beach-Anaheim, CA. Lease pricing follows Los Angeles-Long Beach-Anaheim, CA, while revenue stays capped by the 37,565 residents here. Median household income runs $55,372, 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
- Bell 31,930 residents
- Commerce 11,882 residents
- Cudahy 21,694 residents
- Maywood 23,838 residents
- South Gate 90,805 residents
- Huntington Park 52,166 residents
What owners in Bell Gardens ask
01How many providers practice in Bell Gardens, and in what?
NPPES lists 71 providers at a Bell Gardens practice address, 18.9 per 10,000 residents across 17 tracked fields. General dentistry accounts for 16 of them, 23 percent of the total, with primary care and family medicine next at 13. Read that as clinicians: 71 enumerations, not 71 owners.
02What does SBA lending look like around Bell Gardens?
$229,015,900 went to healthcare borrowers in Los Angeles County across 298 approvals, $768,510 on average. Deals near Bell Gardens get sized against that record before anything else.
03What does Los Angeles County's shortage designation change?
The primary care, dental, mental health designation HRSA carries on Los Angeles County is a recruiting instrument: it puts repayment incentives in front of candidates, which is how a hiring plan for 37,565 residents gets past the question of who would take the job.
04Is Bell Gardens underwritten as part of Los Angeles-Long Beach-Anaheim, CA?
Los Angeles-Long Beach-Anaheim, CA sits 15 miles away, close enough that appraisers reach into that market for rent and resale comparables while your patient draw stays local. The comparables read Los Angeles-Long Beach-Anaheim, CA; the 37,565 residents set the ceiling a projection can defend.
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 Gardens rents and resale before or by somebody working from a screen.
06What does a $55,372 median income mean for case acceptance?
Median household income in Bell Gardens runs $55,372. 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
- 5U.S. Census Bureau, County Business Patterns 2022
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