California micro-market
Healthcare practice financing in Brawley, California
Direct answer
111 healthcare providers hold a Brawley practice address, 39.4 per 10,000 of its 28,188 residents, 13 percent of them in primary care and family medicine. Imperial County recorded 4 SBA healthcare approvals worth $1,700,000, and El Centro, CA sits 13 miles out.
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- Population: 28,188 residents (25K-50K band)1
- Healthcare providers registered here: 111 across 24 fields2
- Median household income: $60,3703
- Largest provider field: Primary care and family medicine: 14 registered providers2
- Medicare-certified providers in town: 1 across 1 categories4
- Nearest metro: El Centro, CA, 13 miles1
Brawley clinicians, by field
Counted at the town's own addresses: 111 providers, 24 fields, 39.4 clinicians per 10,000 of the 28,188 residents here
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Primary care and family medicine | 14 | 5.0 | NPPES [2] |
| Specialty physician groups | 14 | 5.0 | NPPES [2] |
| Physical, occupational, and speech therapy | 14 | 5.0 | NPPES [2] |
| Independent pharmacy | 11 | 3.9 | NPPES [2] |
| Behavioral and mental health group practices | 11 | 3.9 | NPPES [2] |
| General dentistry | 9 | 3.2 | NPPES [2] |
| ABA and autism therapy | 7 | 2.5 | NPPES [2] |
| Optometry and ophthalmology | 6 | 2.1 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 4 | 1.4 | NPPES [2] |
| Urgent care | 2 | 0.7 | NPPES [2] |
| Chiropractic | 2 | 0.7 | NPPES [2] |
| ASCs and OBLs | 2 | 0.7 | NPPES [2] |
| SUD treatment and residential | 2 | 0.7 | NPPES [2] |
| Pain management and interventional | 2 | 0.7 | NPPES [2] |
| Telehealth and virtual clinics | 2 | 0.7 | NPPES [2] |
| Home health | 1 | 0.4 | NPPES [2] |
| Mobile diagnostics | 1 | 0.4 | NPPES [2] |
| NEMT and ambulance | 1 | 0.4 | NPPES [2] |
| Med spa and aesthetics | 1 | 0.4 | NPPES [2] |
| Clinical research sites | 1 | 0.4 | NPPES [2] |
| Hormone, TRT, and men's health clinics | 1 | 0.4 | NPPES [2] |
| Plastic and cosmetic surgery | 1 | 0.4 | NPPES [2] |
| Dialysis and infusion centers | 1 | 0.4 | NPPES [2] |
| Occupational health and drug testing | 1 | 0.4 | NPPES [2] |
| Medical equipment suppliers | 4 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] |
Several of the 14 primary care and family medicine enumerations can belong to one practice, so the column counts clinicians rather than businesses or owners
The lending record behind Brawley
4 healthcare approvals sit in the county file, so an appraiser here works from a short comparable set
| Measure | Published figure | What sits behind it |
|---|---|---|
| Healthcare files approved | 4 | Counted for the fiscal year the SBA publishes [5] |
| Dollars behind them | $1,700,000 | Everything approved to healthcare borrowers, added up [5] |
| Typical approval size | $425,000 | The dollar column over the approval column [5] |
| Credit offices operating locally | 54 | Places that write credit locally, NAICS 522 [6] |
How this data lands in an underwriting decision
The ratio that matters up front is 39.4 per 10,000, which decides whether a ramp schedule reads as conservative. Imperial County has 4 approvals to compare against, so plan for extra appraisal time and a conservative valuation. Household income of $60,370 in Brawley 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
- Expansion, relocation, and build-out
- Startup and de novo
- Working capital term loan
- Commercial real estate, owner-occupied
Built from what is enumerated here rather than from a national list, so a field with no presence in Brawley does not appear. Availability is still a California question.
The first pages of a Brawley file
primary care and family medicine, specialty physician groups, physical, occupational, and speech therapy account for most of what is enumerated in Brawley, so those are the files funders see from this town
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| Primary care and family medicine (14) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| Specialty physician groups (14) | Ancillary revenue contribution, Provider productivity, Payer contracts | Ancillary build-out |
| Physical, occupational, and speech therapy (14) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
NPPES supplies the Brawley counts. The reading columns describe the field in general, and no partner reviewing a Brawley file is bound by them.
How Brawley prices against its neighbors
39.4 per 10,000 is the figure a neighboring town gets compared against when an appraiser prices Brawley
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Brawley (current) | 28,188 | 111 | 39.4 | |
| Imperial | 22,102 | 56 | 25.3 | 10 |
| El Centro | 44,230 | 476 | 107.6 | 13 |
| Calexico | 38,744 | 87 | 22.5 | 20 |
| Coachella | 45,165 | 64 | 14.2 | 61 |
| La Quinta | 39,907 | 259 | 64.9 | 63 |
| Indio | 94,275 | 383 | 40.6 | 66 |
Distance, income, and the wage floor around Brawley
El Centro, CA lies 13 miles from Brawley, close enough that appraisers price the lease against El Centro, CA rents while 28,188 residents set the revenue ceiling. At $60,370 median household income, the elective and cash-pay share of a projection is the line that gets tested first. A Medicare-certified hospital operates here, so referral flow is verifiable and the clinical wage floor is already set.
More of California
Brawley owners, answered
01How many providers practice in Brawley, and in what?
NPPES lists 111 providers at a Brawley practice address, 39.4 per 10,000 residents across 24 tracked fields. Primary care and family medicine accounts for 14 of them, 13 percent of the total, with specialty physician groups next at 14. Read that as clinicians: 111 enumerations, not 111 owners.
02Why does Imperial County show so little SBA activity?
Imperial County shows 4 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. 54 lending establishments operate locally.
03Is Brawley underwritten as part of El Centro, CA?
El Centro, CA sits 13 miles away, close enough that appraisers reach into that market for rent and resale comparables while your patient draw stays local. The comparables read El Centro, CA; the 28,188 residents set the ceiling a projection can defend.
04What does Imperial County's shortage designation change?
Imperial County holds a HRSA designation covering primary care, dental, mental health. A pro forma for Brawley can cite it as the reason a vacancy is fillable, which is usually the weakest line in a ramp schedule.
05How does the hospital in Brawley affect a practice file?
A Medicare-certified hospital operates in the town, which gives referral flow, a call schedule, and a clinical labor pool a funder can verify. 1 Medicare-certified providers are located here in total. It also sets the wage floor behind every hire in a 39.4 per 10,000 market.
06Is there local lending capacity in Imperial County?
County Business Patterns records 54 credit intermediation establishments in Imperial County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Brawley 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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