California micro-market
Healthcare practice financing in Chowchilla, California
Direct answer
19,191 residents, 50 enumerated clinicians, 26.1 per 10,000, 14 percent of them in primary care and family medicine: that is the Chowchilla market a funder prices. Madera County adds 2 healthcare approvals worth $435,500 and 18 miles of distance to Merced, CA.
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- Population: 19,191 residents (10K-25K band)1
- Healthcare providers registered here: 50 across 15 fields2
- Median household income: $63,3083
- Largest provider field: Primary care and family medicine: 7 registered providers2
- Nearest metro: Merced, CA, 18 miles1
- SBA healthcare approvals in the county: 2 approvals totaling $435,5004
Who is enumerated in Chowchilla
Counted at the town's own addresses: 50 providers, 15 fields, 26.1 clinicians per 10,000 of the 19,191 residents here
| Practice type | Count | Rate per 10,000 residents | Published by |
|---|---|---|---|
| Primary care and family medicine | 7 | 3.6 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 7 | 3.6 | NPPES [2] |
| Specialty physician groups | 6 | 3.1 | NPPES [2] |
| Independent pharmacy | 5 | 2.6 | NPPES [2] |
| Behavioral and mental health group practices | 4 | 2.1 | NPPES [2] |
| General dentistry | 3 | 1.6 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 3 | 1.6 | NPPES [2] |
| Optometry and ophthalmology | 3 | 1.6 | NPPES [2] |
| DME and HME suppliers | 2 | 1.0 | NPPES [2] |
| Chiropractic | 2 | 1.0 | NPPES [2] |
| SUD treatment and residential | 2 | 1.0 | NPPES [2] |
| ABA and autism therapy | 2 | 1.0 | NPPES [2] |
| Physical, occupational, and speech therapy | 2 | 1.0 | NPPES [2] |
| Imaging centers | 1 | 0.5 | NPPES [2] |
| Telehealth and virtual clinics | 1 | 0.5 | NPPES [2] |
| Medical equipment suppliers | 1 | CMS [5] |
A single Chowchilla practice can hold more than one of these numbers. 14 percent sit in primary care and family medicine, counted as clinicians rather than as owners.
The lending record behind Chowchilla
2 healthcare approvals sit in the county file, so an appraiser here works from a short comparable set
| Line | Amount | Reading and source |
|---|---|---|
| Healthcare files approved | 2 | Fiscal year published in the SBA file [4] |
| Dollars behind them | $435,500 | Sum of approvals to healthcare borrowers [4] |
| Typical approval size | $217,750 | Dollars divided by approvals [4] |
| Credit offices operating locally | 43 | Credit intermediation establishments, NAICS 522 [6] |
What the two tables above change about a file
Density of 26.1 per 10,000 sets the patient draw a projection can claim without an argument. With 2 approvals on record in Madera County, expect a longer appraisal and a wider collateral discount. With $63,308 as the median household income, the payer mix in a projection has to match what Chowchilla households actually spend.
Programs the Chowchilla mix reaches for
- Practice acquisition
- Expansion, relocation, and build-out
- Working capital term loan
- Equipment financing and leasing
- Commercial real estate, owner-occupied
Built from what is enumerated here rather than from a national list, so a field with no presence in Chowchilla does not appear. Availability is still a California question.
The first pages of a Chowchilla file
Drawn from the fields that actually practice here: primary care and family medicine, skilled nursing, assisted living, and memory care, specialty physician groups
| Practice type | The pages that decide it | Typical capital event |
|---|---|---|
| Primary care and family medicine (7) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| Skilled nursing, assisted living, and memory care (7) | Census and occupancy, Staffing reporting, Survey history | Working capital |
| Specialty physician groups (6) | Ancillary revenue contribution, Provider productivity, Payer contracts | Ancillary build-out |
NPPES supplies the Chowchilla counts. The reading columns describe the field in general, and no partner reviewing a Chowchilla file is bound by them.
How Chowchilla prices against its neighbors
Set Chowchilla's 26.1 per 10,000 against the towns an appraiser would reach for next
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Chowchilla (current) | 19,191 | 50 | 26.1 | |
| Madera | 69,094 | 421 | 60.9 | 13 |
| Merced | 96,073 | 704 | 73.3 | 18 |
| Atwater | 32,248 | 115 | 35.7 | 26 |
| Mendota | 12,623 | 19 | 15.1 | 26 |
| Kerman | 17,497 | 39 | 22.3 | 29 |
| Los Banos | 48,684 | 128 | 26.3 | 33 |
Distance, income, and the wage floor around Chowchilla
Merced, CA lies 18 miles from Chowchilla, close enough that appraisers price the lease against Merced, CA rents while 19,191 residents set the revenue ceiling. Households here carry $63,308 in median income, and that ceiling decides how much of a treatment plan gets started rather than deferred. Referral flow comes from outside Chowchilla, which a projection needs to state plainly.
Other California markets
Questions from Chowchilla
01How many providers practice in Chowchilla, and in what?
50 enumerations sit at Chowchilla addresses in the monthly NPPES file, working out to 26.1 for every 10,000 residents. 14 percent of them are primary care and family medicine, and skilled nursing, assisted living, and memory care follows with 7. An enumeration is a clinician, so the 50 here cover fewer than 50 practices.
02Why does Madera County show so little SBA activity?
Only 2 healthcare approvals appear for Madera County in the published 7(a) and 504 file. Thin volume in Madera County is a transaction count, not a verdict on borrowers here. The county still holds 43 credit intermediation establishments.
03Is Chowchilla underwritten as part of Merced, CA?
Merced, CA sits 18 miles away, close enough that appraisers reach into that market for rent and resale comparables while your patient draw stays local. The comparables read Merced, CA; the 19,191 residents set the ceiling a projection can defend.
04What does Madera County's shortage designation change?
Designated for primary care, dental, mental health, Madera County qualifies its clinicians for federal repayment support. On a file that turns on adding staff, that is the difference between a hiring assumption and a hiring plan.
05What does a $63,308 median income mean for case acceptance?
Median household income in Chowchilla runs $63,308. 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.
06What does the underserved designation in Madera County support?
Madera County carries a medically underserved designation. It evidences unmet demand behind a capacity build, and it opens recruitment programs that make a staffing line in a projection easier to defend than local wage data alone would.
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
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