California micro-market
Healthcare practice financing in Benicia, California
Direct answer
A Benicia file is read against 107 local clinicians, 40.4 for every 10,000 of its 26,477 residents, 22 percent of them in physical, occupational, and speech therapy, plus the 9 SBA healthcare approvals worth $3,623,900 already recorded in Solano County, 6 miles from Vallejo, CA.
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- Population: 26,477 residents (25K-50K band)1
- Healthcare providers registered here: 107 across 19 fields2
- Median household income: $125,0403
- Largest provider field: Physical, occupational, and speech therapy: 24 registered providers2
- Medicare-certified providers in town: 1 across 1 categories4
- Nearest metro: Vallejo, CA, 6 miles1
The clinical base a lender can verify here
40.4 providers per 10,000 residents is what 107 enumerations across 19 fields works out to in a town of 26,477
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Physical, occupational, and speech therapy | 24 | 9.1 | NPPES [2] |
| Chiropractic | 15 | 5.7 | NPPES [2] |
| General dentistry | 14 | 5.3 | NPPES [2] |
| Primary care and family medicine | 12 | 4.5 | NPPES [2] |
| DME and HME suppliers | 6 | 2.3 | NPPES [2] |
| Behavioral and mental health group practices | 6 | 2.3 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 5 | 1.9 | NPPES [2] |
| ABA and autism therapy | 4 | 1.5 | NPPES [2] |
| Optometry and ophthalmology | 4 | 1.5 | NPPES [2] |
| SUD treatment and residential | 3 | 1.1 | NPPES [2] |
| Urgent care | 2 | 0.8 | NPPES [2] |
| ASCs and OBLs | 2 | 0.8 | NPPES [2] |
| Independent pharmacy | 2 | 0.8 | NPPES [2] |
| Dialysis and infusion centers | 2 | 0.8 | NPPES [2] |
| Telehealth and virtual clinics | 2 | 0.8 | NPPES [2] |
| Home health | 1 | 0.4 | NPPES [2] |
| Dental specialties | 1 | 0.4 | NPPES [2] |
| Specialty physician groups | 1 | 0.4 | NPPES [2] |
| Clinical and toxicology labs | 1 | 0.4 | NPPES [2] |
| Medical equipment suppliers | 3 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] |
Physical, occupational, and speech therapy carries 24 of the 107 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
What lenders have already approved in Solano County
The county file holds 9 healthcare approvals, which is a thin comparable set for anyone pricing collateral
| What it measures | Value | How to read it |
|---|---|---|
| Healthcare files approved | 9 | Fiscal year published in the SBA file [5] |
| Dollars behind them | $3,623,900 | Sum of approvals to healthcare borrowers [5] |
| Typical approval size | $402,656 | Dollars divided by approvals [5] |
| Credit offices operating locally | 161 | Credit intermediation establishments, NAICS 522 [6] |
The consequence of these numbers
At 40.4 clinicians per 10,000 residents, the catchment radius in a projection has to be defended rather than assumed. With 9 approvals on record in Solano County, expect a longer appraisal and a wider collateral discount. A $125,040 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
- Startup and de novo
- Working capital term loan
- Equipment financing and leasing
- Expansion, relocation, and build-out
Weighted by how often each of the 19 local fields reaches for a program, not by what is easiest to refer. California rules and the partner decide availability.
The first pages of a Benicia file
What a funder opens first depends on the field. In Benicia that means physical, occupational, and speech therapy, chiropractic, general dentistry.
| Practice type | The pages that decide it | Typical capital event |
|---|---|---|
| Physical, occupational, and speech therapy (24) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Chiropractic (15) | Cash plan revenue, Personal injury receivable age, Visit volume | Startup or acquisition |
| General dentistry (14) | Three years of collections history, Hygiene as a share of collections, Overhead ratio and owner add-backs | Acquisition of an established practice |
Column one counts Benicia clinicians from the federal file. Columns two and three describe how the field is usually underwritten, and a partner can read a Benicia file differently.
Benicia against nearby California markets
40.4 per 10,000 is the figure a neighboring town gets compared against when an appraiser prices Benicia
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Benicia (current) | 26,477 | 107 | 40.4 | |
| Martinez | 37,006 | 561 | 151.6 | 6 |
| Hercules | 26,499 | 94 | 35.5 | 8 |
| American Canyon | 21,742 | 76 | 35.0 | 9 |
| Pleasant Hill | 34,169 | 344 | 100.7 | 9 |
| Pinole | 18,663 | 197 | 105.6 | 10 |
| Lafayette | 25,371 | 256 | 100.9 | 13 |
Distance, income, and the wage floor around Benicia
Vallejo, CA lies 6 miles from Benicia, close enough that appraisers price the lease against Vallejo, CA rents while 26,477 residents set the revenue ceiling. Median household income runs $125,040, 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.
Other California markets
- Martinez 37,006 residents
- Hercules 26,499 residents
- American Canyon 21,742 residents
- Pleasant Hill 34,169 residents
- Pinole 18,663 residents
- Lafayette 25,371 residents
Benicia owners, answered
01How many providers practice in Benicia, and in what?
NPPES lists 107 providers at a Benicia practice address, 40.4 per 10,000 residents across 19 tracked fields. Physical, occupational, and speech therapy accounts for 24 of them, 22 percent of the total, with chiropractic next at 15. Read that as clinicians: 107 enumerations, not 107 owners.
02What does Solano County's shortage designation change?
Solano County holds a HRSA designation covering primary care, dental, mental health. A pro forma for Benicia can cite it as the reason a vacancy is fillable, which is usually the weakest line in a ramp schedule.
03Why does Solano County show so little SBA activity?
Only 9 healthcare approvals appear for Solano County in the published 7(a) and 504 file. Thin volume in Solano County is a transaction count, not a verdict on borrowers here. The county still holds 161 credit intermediation establishments.
04Is Benicia underwritten as part of Vallejo, CA?
Vallejo, CA sits 6 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 26,477 residents set the ceiling a projection can defend.
05What does a $125,040 median income mean for case acceptance?
Median household income in Benicia runs $125,040. 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.
06Is there local lending capacity in Solano County?
County Business Patterns records 161 credit intermediation establishments in Solano County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Benicia rents and resale before or by somebody working from a screen.
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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