California micro-market
Healthcare practice financing in Calexico, California
Direct answer
87 healthcare providers hold a Calexico practice address, 22.5 per 10,000 of its 38,744 residents, 21 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 8 miles out.
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- Population: 38,744 residents (25K-50K band)1
- Healthcare providers registered here: 87 across 22 fields2
- Median household income: $50,0213
- Largest provider field: Primary care and family medicine: 18 registered providers2
- Medicare-certified providers in town: 1 across 1 categories4
- Nearest metro: El Centro, CA, 8 miles1
The clinical base a lender can verify here
Counted at the town's own addresses: 87 providers, 22 fields, 22.5 clinicians per 10,000 of the 38,744 residents here
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| Primary care and family medicine | 18 | 4.6 | NPPES [2] |
| Behavioral and mental health group practices | 11 | 2.8 | NPPES [2] |
| Independent pharmacy | 10 | 2.6 | NPPES [2] |
| ABA and autism therapy | 9 | 2.3 | NPPES [2] |
| Physical, occupational, and speech therapy | 9 | 2.3 | NPPES [2] |
| General dentistry | 6 | 1.5 | NPPES [2] |
| Optometry and ophthalmology | 4 | 1.0 | NPPES [2] |
| Specialty physician groups | 3 | 0.8 | NPPES [2] |
| Podiatry | 2 | 0.5 | NPPES [2] |
| DME and HME suppliers | 2 | 0.5 | NPPES [2] |
| Clinical research sites | 2 | 0.5 | NPPES [2] |
| Home health | 1 | 0.3 | NPPES [2] |
| Urgent care | 1 | 0.3 | NPPES [2] |
| SUD treatment and residential | 1 | 0.3 | NPPES [2] |
| Pain management and interventional | 1 | 0.3 | NPPES [2] |
| Fertility and IVF | 1 | 0.3 | NPPES [2] |
| NEMT and ambulance | 1 | 0.3 | NPPES [2] |
| Med spa and aesthetics | 1 | 0.3 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 1 | 0.3 | NPPES [2] |
| Dialysis and infusion centers | 1 | 0.3 | NPPES [2] |
| Telehealth and virtual clinics | 1 | 0.3 | NPPES [2] |
| Occupational health and drug testing | 1 | 0.3 | NPPES [2] |
| Medical equipment suppliers | 4 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] |
Several of the 18 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 Calexico
With 4 healthcare approvals recorded, Imperial County gives a valuation almost nothing local to lean on
| Measure | Published figure | What sits behind it |
|---|---|---|
| SBA healthcare approvals | 4 | Counted for the fiscal year the SBA publishes [5] |
| Approved dollars | $1,700,000 | Everything approved to healthcare borrowers, added up [5] |
| Average approval | $425,000 | The dollar column over the approval column [5] |
| Lending establishments in the county | 54 | Places that write credit locally, NAICS 522 [6] |
The consequence of these numbers
The ratio that matters up front is 22.5 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. With $50,021 as the median household income, the payer mix in a projection has to match what Calexico households actually spend.
The programs this provider mix points at
- Practice acquisition
- Working capital term loan
- Expansion, relocation, and build-out
- Startup and de novo
- Business line of credit
The 22 fields practicing locally set this order. A funding partner, not this list, decides what is available in California.
The first pages of a Calexico file
primary care and family medicine, behavioral and mental health group practices, independent pharmacy account for most of what is enumerated in Calexico, so those are the files funders see from this town
| Field | What the file turns on | The capital event behind most requests |
|---|---|---|
| Primary care and family medicine (18) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| Behavioral and mental health group practices (11) | Clinician retention and productivity, Payer mix and Medicaid concentration, Re-authorization and session limit exposure | Working capital through the credentialing lag |
| Independent pharmacy (10) | Script count and file retention, Gross margin after direct and indirect remuneration, Wholesaler terms against reimbursement timing | Acquisition of the business or the prescription files |
NPPES supplies the Calexico counts. The reading columns describe the field in general, and no partner reviewing a Calexico file is bound by them.
Density beside the neighboring California towns
Set Calexico's 22.5 per 10,000 against the towns an appraiser would reach for next
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Calexico (current) | 38,744 | 87 | 22.5 | |
| El Centro | 44,230 | 476 | 107.6 | 8 |
| Imperial | 22,102 | 56 | 25.3 | 12 |
| Brawley | 28,188 | 111 | 39.4 | 20 |
| Coachella | 45,165 | 64 | 14.2 | 79 |
| La Quinta | 39,907 | 259 | 64.9 | 80 |
| Blythe | 17,320 | 74 | 42.7 | 84 |
How Calexico sits against the nearest metro
Distance to El Centro, CA is 8 miles. Appraisers borrow El Centro, CA rents, and the 38,744 residents set the ceiling on collections. At $50,021 median household income, the elective and cash-pay share of a projection is the line that gets tested first. Referral flow comes from outside Calexico, which a projection needs to state plainly.
Nearby California towns
Questions from Calexico
01How many providers practice in Calexico, and in what?
Across 22 fields, Calexico carries 87 enumerated clinicians, 22.5 per 10,000 of the 38,744 people living here. The concentration is in primary care and family medicine, 18 of the total, then behavioral and mental health group practices at 11. Count practices from that only with care.
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 Calexico underwritten as part of El Centro, CA?
El Centro, CA sits 8 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 38,744 residents set the ceiling a projection can defend.
04What does Imperial County's shortage designation change?
The primary care, dental, mental health designation HRSA carries on Imperial County is a recruiting instrument: it puts repayment incentives in front of candidates, which is how a hiring plan for 38,744 residents gets past the question of who would take the job.
05Is 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 Calexico rents and resale before or by somebody working from a screen.
06What does a $50,021 median income mean for case acceptance?
Median household income in Calexico runs $50,021. 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
- 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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