California micro-market
Healthcare practice financing in Dana Point, California
Direct answer
Orange County carries 161 SBA healthcare approvals worth $100,743,500, and inside Dana Point the census shows 204 enumerated clinicians against 32,585 residents, 62.6 per 10,000, 17 percent of them in sud treatment and residential. Riverside-San Bernardino-Ontario, CA lies 36 miles away.
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- Population: 32,585 residents (25K-50K band)1
- Healthcare providers registered here: 204 across 20 fields2
- Median household income: $127,2463
- Largest provider field: SUD treatment and residential: 34 registered providers2
- Nearest metro: Riverside-San Bernardino-Ontario, CA, 36 miles1
- SBA healthcare approvals in the county: 161 approvals totaling $100,743,5004
Who is enumerated in Dana Point
62.6 providers per 10,000 residents is what 204 enumerations across 20 fields works out to in a town of 32,585
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| SUD treatment and residential | 34 | 10.4 | NPPES [2] |
| Physical, occupational, and speech therapy | 34 | 10.4 | NPPES [2] |
| ABA and autism therapy | 22 | 6.8 | NPPES [2] |
| Chiropractic | 20 | 6.1 | NPPES [2] |
| Primary care and family medicine | 20 | 6.1 | NPPES [2] |
| General dentistry | 16 | 4.9 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 15 | 4.6 | NPPES [2] |
| Optometry and ophthalmology | 8 | 2.5 | NPPES [2] |
| Dental specialties | 6 | 1.8 | NPPES [2] |
| Behavioral and mental health group practices | 6 | 1.8 | NPPES [2] |
| Specialty physician groups | 5 | 1.5 | NPPES [2] |
| Independent pharmacy | 4 | 1.2 | NPPES [2] |
| Dermatology | 3 | 0.9 | NPPES [2] |
| DME and HME suppliers | 2 | 0.6 | NPPES [2] |
| Home health | 2 | 0.6 | NPPES [2] |
| Urgent care | 2 | 0.6 | NPPES [2] |
| Non-medical home care | 2 | 0.6 | NPPES [2] |
| Audiology and hearing centers | 1 | 0.3 | NPPES [2] |
| Med spa and aesthetics | 1 | 0.3 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 1 | 0.3 | NPPES [2] |
| Medical equipment suppliers | 3 | CMS [5] |
SUD treatment and residential carries 34 of the 204 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
What Orange County credit files already show
Lenders in Orange County have already closed 161 healthcare approvals, averaging $625,736, which is the size a new file gets read beside
| What it measures | Value | How to read it |
|---|---|---|
| Approvals on record | 161 | Counted for the fiscal year the SBA publishes [4] |
| Total approved capital | $100,743,500 | Everything approved to healthcare borrowers, added up [4] |
| Mean deal size | $625,736 | The dollar column over the approval column [4] |
| Lenders sited in the county | 2,437 | Places that write credit locally, NAICS 522 [6] |
How this data lands in an underwriting decision
At 62.6 clinicians per 10,000 residents, the catchment radius in a projection has to be defended rather than assumed. A request measured against 161 prior Orange County approvals is priced on precedent, which shortens the questions about valuation. Household income of $127,246 in Dana Point is the number a lender uses to sanity check the self-pay share of a revenue projection.
Where a file from this town usually lands
- Practice acquisition
- Working capital term loan
- Startup and de novo
- Expansion, relocation, and build-out
- Commercial real estate, owner-occupied
The 20 fields practicing locally set this order. A funding partner, not this list, decides what is available in California.
Underwriting by field in Dana Point
sud treatment and residential, physical, occupational, and speech therapy, aba and autism therapy account for most of what is enumerated in Dana Point, so those are the files funders see from this town
| Field | What the file turns on | The capital event behind most requests |
|---|---|---|
| SUD treatment and residential (34) | Census and level of care mix, In-network versus out-of-network billing history, Utilization review outcomes | Facility real estate |
| Physical, occupational, and speech therapy (34) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| ABA and autism therapy (22) | Authorized hours against delivered hours, Payer mix stability, Billing compliance history | Working capital against authorization and billing lag |
The first column is Dana Point's own NPPES count. The rest is how the field is generally underwritten, whether the address is Dana Point or anywhere else.
Dana Point against nearby California markets
Density is the number that moves an appraisal: 62.6 per 10,000 here
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Dana Point (current) | 32,585 | 204 | 62.6 | |
| San Juan Capistrano | 35,469 | 402 | 113.3 | 3 |
| Laguna Niguel | 64,185 | 439 | 68.4 | 4 |
| San Clemente | 62,627 | 509 | 81.3 | 5 |
| Laguna Beach | 22,564 | 231 | 102.4 | 6 |
| Aliso Viejo | 50,457 | 314 | 62.2 | 7 |
| Laguna Hills | 30,378 | 930 | 306.1 | 8 |
What the geography does to a Dana Point projection
36 miles separate Dana Point from Riverside-San Bernardino-Ontario, CA. Rent comparables cross that gap; patients mostly do not. At $127,246 median household income, the elective and cash-pay share of a projection is the line that gets tested first. With no hospital in town, a projection has to name where referrals and coverage come from.
Nearby California towns
- San Juan Capistrano 35,469 residents
- Laguna Niguel 64,185 residents
- San Clemente 62,627 residents
- Laguna Beach 22,564 residents
- Aliso Viejo 50,457 residents
- Laguna Hills 30,378 residents
Dana Point owners, answered
01How many providers practice in Dana Point, and in what?
204 enumerations sit at Dana Point addresses in the monthly NPPES file, working out to 62.6 for every 10,000 residents. 17 percent of them are sud treatment and residential, and physical, occupational, and speech therapy follows with 34. An enumeration is a clinician, so the 204 here cover fewer than 204 practices.
02What does SBA lending look like around Dana Point?
$100,743,500 went to healthcare borrowers in Orange County across 161 approvals, $625,736 on average. Deals near Dana Point get sized against that record before anything else.
03Is Dana Point underwritten as part of Riverside-San Bernardino-Ontario, CA?
Partly. Riverside-San Bernardino-Ontario, CA is 36 miles out, so rent and equipment comparables travel in from there while patients still come from the 32,585 residents around Dana Point. Cost side metro, revenue side local.
04What does a $127,246 median income mean for case acceptance?
Median household income in Dana Point runs $127,246. 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.
05What does Orange County's shortage designation change?
HRSA designates Orange County for primary care, dental, mental health. That opens loan repayment programs for clinicians recruited into Dana Point and evidences a staffing ramp in a 32,585 resident market.
06Is there local lending capacity in Orange County?
County Business Patterns records 2,437 credit intermediation establishments in Orange County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Dana Point 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
- 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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