California micro-market
Healthcare practice financing in Dublin, California
Direct answer
70,544 residents, 429 enumerated clinicians, 60.8 per 10,000, 21 percent of them in physical, occupational, and speech therapy: that is the Dublin market a funder prices. Alameda County adds 41 healthcare approvals worth $25,456,700 and 29 miles of distance to San Jose-Sunnyvale-Santa Clara, CA.
A location page indicates that Practition Finance is taking clients in that market. It does not represent a physical office, storefront, or licensed presence in that city or state. All services are delivered remotely by our US-based team. California rules, and what happens to an inquiry raised from a California address, are set out on the California page.
- Population: 70,544 residents (50K-100K band)1
- Healthcare providers registered here: 429 across 29 fields2
- Median household income: $205,0463
- Largest provider field: Physical, occupational, and speech therapy: 89 registered providers2
- Medicare-certified providers in town: 8 across 2 categories4
- Nearest metro: San Jose-Sunnyvale-Santa Clara, CA, 29 miles1
Dublin clinicians, by field
The NPPES file puts 429 enumerated clinicians inside Dublin, spread over 29 fields at 60.8 per 10,000 residents
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| Physical, occupational, and speech therapy | 89 | 12.6 | NPPES [2] |
| ABA and autism therapy | 72 | 10.2 | NPPES [2] |
| General dentistry | 56 | 7.9 | NPPES [2] |
| Specialty physician groups | 28 | 4.0 | NPPES [2] |
| Primary care and family medicine | 24 | 3.4 | NPPES [2] |
| Home health | 21 | 3.0 | NPPES [2] |
| Chiropractic | 21 | 3.0 | NPPES [2] |
| Optometry and ophthalmology | 21 | 3.0 | NPPES [2] |
| Behavioral and mental health group practices | 14 | 2.0 | NPPES [2] |
| DME and HME suppliers | 10 | 1.4 | NPPES [2] |
| Dental specialties | 10 | 1.4 | NPPES [2] |
| Non-medical home care | 9 | 1.3 | NPPES [2] |
| Hospice and palliative | 9 | 1.3 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 8 | 1.1 | NPPES [2] |
| Dermatology | 6 | 0.9 | NPPES [2] |
| Hormone, TRT, and men's health clinics | 5 | 0.7 | NPPES [2] |
| Independent pharmacy | 4 | 0.6 | NPPES [2] |
| Urgent care | 3 | 0.4 | NPPES [2] |
| SUD treatment and residential | 3 | 0.4 | NPPES [2] |
| Audiology and hearing centers | 3 | 0.4 | NPPES [2] |
| ASCs and OBLs | 2 | 0.3 | NPPES [2] |
| Clinical and toxicology labs | 2 | 0.3 | NPPES [2] |
| Plastic and cosmetic surgery | 2 | 0.3 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 2 | 0.3 | NPPES [2] |
| Fertility and IVF | 1 | 0.1 | NPPES [2] |
| Mobile diagnostics | 1 | 0.1 | NPPES [2] |
| NEMT and ambulance | 1 | 0.1 | NPPES [2] |
| Telehealth and virtual clinics | 1 | 0.1 | NPPES [2] |
| Occupational health and drug testing | 1 | 0.1 | NPPES [2] |
| Medical equipment suppliers | 6 | CMS [4] | |
| Home health agencies | 5 | CMS [4] | |
| Hospice providers | 3 | CMS [4] |
A single Dublin practice can hold more than one of these numbers. 21 percent sit in physical, occupational, and speech therapy, counted as clinicians rather than as owners.
Alameda County approvals, dollars, and lending establishments
Lenders in Alameda County have already closed 41 healthcare approvals, averaging $620,895, which is the size a new file gets read beside
| Line | Amount | Reading and source |
|---|---|---|
| Approvals on record | 41 | Fiscal year published in the SBA file [5] |
| Total approved capital | $25,456,700 | Sum of approvals to healthcare borrowers [5] |
| Mean deal size | $620,895 | Dollars divided by approvals [5] |
| Lenders sited in the county | 594 | Credit intermediation establishments, NAICS 522 [6] |
Reading Dublin the way a credit committee does
Underwriting starts with 60.8 providers per 10,000 residents, because that ratio caps how fast a chair or a room fills. Because Alameda County already carries $25,456,700 across 41 healthcare approvals, a request near that average moves faster than one well above it. Household income of $205,046 in Dublin 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
- Startup and de novo
- Expansion, relocation, and build-out
- Working capital term loan
- Equipment financing and leasing
The order comes from Dublin's own provider mix, which physical, occupational, and speech therapy dominates at 21 percent. What a partner can actually place in California is a separate question.
The first pages of a Dublin file
physical, occupational, and speech therapy, aba and autism therapy, general dentistry account for most of what is enumerated in Dublin, so those are the files funders see from this town
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| Physical, occupational, and speech therapy (89) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| ABA and autism therapy (72) | Authorized hours against delivered hours, Payer mix stability, Billing compliance history | Working capital against authorization and billing lag |
| General dentistry (56) | Three years of collections history, Hygiene as a share of collections, Overhead ratio and owner add-backs | Acquisition of an established practice |
The first column is Dublin's own NPPES count. The rest is how the field is generally underwritten, whether the address is Dublin or anywhere else.
How Dublin prices against its neighbors
60.8 per 10,000 is the figure a neighboring town gets compared against when an appraiser prices Dublin
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Dublin (current) | 70,544 | 429 | 60.8 | |
| Danville | 43,410 | 356 | 82.0 | 8 |
| San Leandro | 86,571 | 1,970 | 227.6 | 15 |
| Moraga | 16,698 | 40 | 24.0 | 15 |
| Newark | 46,254 | 204 | 44.1 | 16 |
| Clayton | 10,933 | 18 | 16.5 | 16 |
| Lafayette | 25,371 | 256 | 100.9 | 17 |
What the geography does to a Dublin projection
29 miles separate Dublin from San Jose-Sunnyvale-Santa Clara, CA. Rent comparables cross that gap; patients mostly do not. Median household income runs $205,046, which is the number a funder converts into case acceptance on anything elective or cash-pay. With no hospital in town, a projection has to name where referrals and coverage come from.
Nearby California towns
What owners in Dublin ask
01How many providers practice in Dublin, and in what?
Across 29 fields, Dublin carries 429 enumerated clinicians, 60.8 per 10,000 of the 70,544 people living here. The concentration is in physical, occupational, and speech therapy, 89 of the total, then aba and autism therapy at 72. Count practices from that only with care.
02What does Alameda County's shortage designation change?
Designated for primary care, dental, mental health, Alameda 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.
03What does SBA lending look like around Dublin?
Healthcare borrowers in Alameda County took 41 approvals worth $25,456,700 in the published fiscal year, averaging $620,895. That is the comparable set an appraiser near Dublin reaches for first.
04Is Dublin underwritten as part of San Jose-Sunnyvale-Santa Clara, CA?
Comparables and demand split at 29 miles. An appraiser prices the lease and the equipment off San Jose-Sunnyvale-Santa Clara, CA; the revenue line has to hold up against 70,544 local residents.
05What does a $205,046 median income mean for case acceptance?
Median household income in Dublin runs $205,046. 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.
06Which fields carry the volume in Dublin?
Physical, occupational, and speech therapy at 89 providers and aba and autism therapy at 72 lead the 29 fields enumerated here. A funder reads that mix as the local competition set and the local hiring pool at once, before it reads a single line of your own numbers.
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
Our team reviews every request within 1 business day. If a funding partner thinks they can help, a specialist from that partner contacts you to discuss next steps.