California micro-market
Healthcare practice financing in Clayton, California
Direct answer
18 healthcare providers hold a Clayton practice address, 16.5 per 10,000 of its 10,933 residents, 17 percent of them in primary care and family medicine. Contra Costa County recorded 39 SBA healthcare approvals worth $25,197,200, and Vallejo, CA sits 21 miles out.
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- Population: 10,933 residents (10K-25K band)1
- Healthcare providers registered here: 18 across 11 fields2
- Median household income: $172,2263
- Largest provider field: Primary care and family medicine: 3 registered providers2
- Nearest metro: Vallejo, CA, 21 miles1
- SBA healthcare approvals in the county: 39 approvals totaling $25,197,2004
What NPPES records at Clayton addresses
16.5 providers per 10,000 residents is what 18 enumerations across 11 fields works out to in a town of 10,933
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| Primary care and family medicine | 3 | 2.7 | NPPES [2] |
| General dentistry | 3 | 2.7 | NPPES [2] |
| Physical, occupational, and speech therapy | 3 | 2.7 | NPPES [2] |
| DME and HME suppliers | 2 | 1.8 | NPPES [2] |
| SUD treatment and residential | 1 | 0.9 | NPPES [2] |
| Independent pharmacy | 1 | 0.9 | NPPES [2] |
| Med spa and aesthetics | 1 | 0.9 | NPPES [2] |
| Specialty physician groups | 1 | 0.9 | NPPES [2] |
| Behavioral and mental health group practices | 1 | 0.9 | NPPES [2] |
| Telehealth and virtual clinics | 1 | 0.9 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 1 | 0.9 | NPPES [2] |
| Medical equipment suppliers | 3 | CMS [5] |
Primary care and family medicine carries 3 of the 18 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
Loan activity in Contra Costa County
Lenders in Contra Costa County have already closed 39 healthcare approvals, averaging $646,082, which is the size a new file gets read beside
| What it measures | Value | How to read it |
|---|---|---|
| Healthcare files approved | 39 | One published fiscal year, healthcare borrowers only [4] |
| Dollars behind them | $25,197,200 | Approved, not disbursed, and not net of withdrawals [4] |
| Typical approval size | $646,082 | A mean, so one large approval moves it [4] |
| Credit offices operating locally | 596 | Credit intermediation offices sited in the county [6] |
The consequence of these numbers
16.5 per 10,000 is the first number a credit analyst converts into a realistic new-patient count. 39 approvals worth $25,197,200 in Contra Costa County means the size you are asking for has a local precedent to point at. With $172,226 as the median household income, the payer mix in a projection has to match what Clayton households actually spend.
Where a file from this town usually lands
- Practice acquisition
- Startup and de novo
- Expansion, relocation, and build-out
- Equipment financing and leasing
- Working capital term loan
Built from what is enumerated here rather than from a national list, so a field with no presence in Clayton does not appear. Availability is still a California question.
What a funder reads first in Clayton
primary care and family medicine, general dentistry, physical, occupational, and speech therapy account for most of what is enumerated in Clayton, so those are the files funders see from this town
| Practice type | The pages that decide it | Typical capital event |
|---|---|---|
| Primary care and family medicine (3) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| General dentistry (3) | Three years of collections history, Hygiene as a share of collections, Overhead ratio and owner add-backs | Acquisition of an established practice |
| Physical, occupational, and speech therapy (3) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
Counts in the first column are Clayton providers from NPPES. The other two columns describe how funders read that field across markets like Clayton, not what any funder will do with your file.
How Clayton prices against its neighbors
Density is the number that moves an appraisal: 16.5 per 10,000 here
| Comparable | People | Enumerations | Per 10,000 residents | Miles |
|---|---|---|---|---|
| Clayton (current) | 10,933 | 18 | 16.5 | |
| Pittsburg | 77,131 | 197 | 25.5 | 6 |
| Pleasant Hill | 34,169 | 344 | 100.7 | 8 |
| Danville | 43,410 | 356 | 82.0 | 9 |
| Martinez | 37,006 | 561 | 151.6 | 11 |
| Brentwood | 66,286 | 373 | 56.3 | 11 |
| Lafayette | 25,371 | 256 | 100.9 | 11 |
Distance, income, and the wage floor around Clayton
Vallejo, CA lies 21 miles from Clayton, close enough that appraisers price the lease against Vallejo, CA rents while 10,933 residents set the revenue ceiling. At $172,226 median household income, the elective and cash-pay share of a projection is the line that gets tested first. No hospital operates here, so the referral sources and the call arrangement have to be named rather than assumed.
Other California markets
Clayton owners, answered
01How many providers practice in Clayton, and in what?
18 enumerations sit at Clayton addresses in the monthly NPPES file, working out to 16.5 for every 10,000 residents. 17 percent of them are primary care and family medicine, and general dentistry follows with 3. An enumeration is a clinician, so the 18 here cover fewer than 18 practices.
02What does SBA lending look like around Clayton?
The county file behind Clayton holds 39 healthcare approvals totaling $25,197,200, an average of $646,082. Those are the loan sizes lenders in Contra Costa County have already carried.
03What does a $172,226 median income mean for case acceptance?
Median household income in Clayton runs $172,226. 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.
04What does Contra Costa County's shortage designation change?
Designated for primary care, dental, mental health, Contra Costa 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.
05Is there local lending capacity in Contra Costa County?
County Business Patterns records 596 credit intermediation establishments in Contra Costa County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Clayton rents and resale before or by somebody working from a screen.
06Is Clayton underwritten as part of Vallejo, CA?
Vallejo, CA sits 21 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 10,933 residents set the ceiling a projection can defend.
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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