California micro-market
Healthcare practice financing in El Cerrito, California
Direct answer
26,409 residents, 146 enumerated clinicians, 55.3 per 10,000, 26 percent of them in physical, occupational, and speech therapy: that is the El Cerrito market a funder prices. Contra Costa County adds 39 healthcare approvals worth $25,197,200 and 13 miles of distance to Vallejo, CA.
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- Population: 26,409 residents (25K-50K band)1
- Healthcare providers registered here: 146 across 24 fields2
- Median household income: $127,4753
- Largest provider field: Physical, occupational, and speech therapy: 38 registered providers2
- Medicare-certified providers in town: 2 across 2 categories4
- Nearest metro: Vallejo, CA, 13 miles1
The clinical base a lender can verify here
Counted at the town's own addresses: 146 providers, 24 fields, 55.3 clinicians per 10,000 of the 26,409 residents here
| Practice type | Count | Rate per 10,000 residents | Published by |
|---|---|---|---|
| Physical, occupational, and speech therapy | 38 | 14.4 | NPPES [2] |
| General dentistry | 24 | 9.1 | NPPES [2] |
| Chiropractic | 16 | 6.1 | NPPES [2] |
| Optometry and ophthalmology | 11 | 4.2 | NPPES [2] |
| Dental specialties | 9 | 3.4 | NPPES [2] |
| Behavioral and mental health group practices | 7 | 2.7 | NPPES [2] |
| Dermatology | 5 | 1.9 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 5 | 1.9 | NPPES [2] |
| DME and HME suppliers | 4 | 1.5 | NPPES [2] |
| ABA and autism therapy | 4 | 1.5 | NPPES [2] |
| Specialty physician groups | 4 | 1.5 | NPPES [2] |
| Podiatry | 3 | 1.1 | NPPES [2] |
| Home health | 3 | 1.1 | NPPES [2] |
| Independent pharmacy | 2 | 0.8 | NPPES [2] |
| Dialysis and infusion centers | 2 | 0.8 | NPPES [2] |
| Urgent care | 1 | 0.4 | NPPES [2] |
| Primary care and family medicine | 1 | 0.4 | NPPES [2] |
| ASCs and OBLs | 1 | 0.4 | NPPES [2] |
| SUD treatment and residential | 1 | 0.4 | NPPES [2] |
| Non-medical home care | 1 | 0.4 | NPPES [2] |
| Med spa and aesthetics | 1 | 0.4 | NPPES [2] |
| Clinical research sites | 1 | 0.4 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 1 | 0.4 | NPPES [2] |
| Telehealth and virtual clinics | 1 | 0.4 | NPPES [2] |
| Medical equipment suppliers | 3 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] | |
| Home health agencies | 1 | CMS [4] |
A single El Cerrito practice can hold more than one of these numbers. 26 percent sit in physical, occupational, and speech therapy, counted as clinicians rather than as owners.
Contra Costa County approvals, dollars, and lending establishments
39 healthcare approvals averaging $646,082 set the deal shape lenders in Contra Costa County have already underwritten
| Line | Amount | Reading and source |
|---|---|---|
| Healthcare files approved | 39 | One published fiscal year, healthcare borrowers only [5] |
| Dollars behind them | $25,197,200 | Approved, not disbursed, and not net of withdrawals [5] |
| Typical approval size | $646,082 | A mean, so one large approval moves it [5] |
| Credit offices operating locally | 596 | Credit intermediation offices sited in the county [6] |
The consequence of these numbers
55.3 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. A $127,475 median household income here sets the ceiling on what an elective or cash-pay line can be expected to carry.
Programs the El Cerrito mix reaches for
- Practice acquisition
- Startup and de novo
- Equipment financing and leasing
- Working capital term loan
- Expansion, relocation, and build-out
Ranked from the 24 fields that actually practice in El Cerrito, weighted toward physical, occupational, and speech therapy. Availability still depends on California and on the funding partner.
Underwriting by field in El Cerrito
Drawn from the fields that actually practice here: physical, occupational, and speech therapy, general dentistry, chiropractic
| Field | What the file turns on | The capital event behind most requests |
|---|---|---|
| Physical, occupational, and speech therapy (38) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| General dentistry (24) | Three years of collections history, Hygiene as a share of collections, Overhead ratio and owner add-backs | Acquisition of an established practice |
| Chiropractic (16) | Cash plan revenue, Personal injury receivable age, Visit volume | Startup or acquisition |
The first column is El Cerrito's own NPPES count. The rest is how the field is generally underwritten, whether the address is El Cerrito or anywhere else.
Density beside the neighboring California towns
The neighboring markets below are the ones a valuation borrows from when El Cerrito has too few sales of its own
| Comparable | People | Enumerations | Per 10,000 residents | Miles |
|---|---|---|---|---|
| El Cerrito (current) | 26,409 | 146 | 55.3 | |
| Albany | 19,439 | 176 | 90.5 | 2 |
| San Pablo | 31,562 | 160 | 50.7 | 4 |
| Emeryville | 13,912 | 192 | 138.0 | 6 |
| Pinole | 18,663 | 197 | 105.6 | 6 |
| Hercules | 26,499 | 94 | 35.5 | 7 |
| Piedmont | 10,816 | 42 | 38.8 | 8 |
What the geography does to a El Cerrito projection
Vallejo, CA lies 13 miles from El Cerrito, close enough that appraisers price the lease against Vallejo, CA rents while 26,409 residents set the revenue ceiling. Households here carry $127,475 in median income, and that ceiling decides how much of a treatment plan gets started rather than deferred. With no hospital in town, a projection has to name where referrals and coverage come from.
Other California markets
What owners in El Cerrito ask
01How many providers practice in El Cerrito, and in what?
146 enumerations sit at El Cerrito addresses in the monthly NPPES file, working out to 55.3 for every 10,000 residents. 26 percent of them are physical, occupational, and speech therapy, and general dentistry follows with 24. An enumeration is a clinician, so the 146 here cover fewer than 146 practices.
02What 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.
03Which fields carry the volume in El Cerrito?
Physical, occupational, and speech therapy at 38 providers and general dentistry at 24 lead the 24 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.
04What does SBA lending look like around El Cerrito?
Healthcare borrowers in Contra Costa County took 39 approvals worth $25,197,200 in the published fiscal year, averaging $646,082. That is the comparable set an appraiser near El Cerrito reaches for first.
05Is El Cerrito underwritten as part of Vallejo, CA?
Vallejo, CA sits 13 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 26,409 residents set the ceiling a projection can defend.
06What does a $127,475 median income mean for case acceptance?
Median household income in El Cerrito runs $127,475. 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
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.