California micro-market
Healthcare practice financing in Greenfield, California
Direct answer
Monterey County carries 5 SBA healthcare approvals worth $3,781,000, and inside Greenfield the census shows 21 enumerated clinicians against 21,042 residents, 10.0 per 10,000, 24 percent of them in behavioral and mental health group practices. Salinas, CA lies 33 miles away.
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- Population: 21,042 residents (10K-25K band)1
- Healthcare providers registered here: 21 across 7 fields2
- Median household income: $78,9463
- Largest provider field: Behavioral and mental health group practices: 5 registered providers2
- Nearest metro: Salinas, CA, 33 miles1
- SBA healthcare approvals in the county: 5 approvals totaling $3,781,0004
Who is enumerated in Greenfield
Counted at the town's own addresses: 21 providers, 7 fields, 10.0 clinicians per 10,000 of the 21,042 residents here
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| Behavioral and mental health group practices | 5 | 2.4 | NPPES [2] |
| General dentistry | 4 | 1.9 | NPPES [2] |
| Independent pharmacy | 4 | 1.9 | NPPES [2] |
| Primary care and family medicine | 3 | 1.4 | NPPES [2] |
| ABA and autism therapy | 3 | 1.4 | NPPES [2] |
| Optometry and ophthalmology | 1 | 0.5 | NPPES [2] |
| Physical, occupational, and speech therapy | 1 | 0.5 | NPPES [2] |
Several of the 5 behavioral and mental health group practices enumerations can belong to one practice, so the column counts clinicians rather than businesses or owners
Loan activity in Monterey County
5 healthcare approvals sit in the county file, so an appraiser here works from a short comparable set
| Measure | Published figure | What sits behind it |
|---|---|---|
| Approvals on record | 5 | Counted for the fiscal year the SBA publishes [4] |
| Total approved capital | $3,781,000 | Everything approved to healthcare borrowers, added up [4] |
| Mean deal size | $756,200 | The dollar column over the approval column [4] |
| Lenders sited in the county | 146 | Places that write credit locally, NAICS 522 [5] |
The consequence of these numbers
10.0 per 10,000 is the first number a credit analyst converts into a realistic new-patient count. Monterey County has 5 approvals to compare against, so plan for extra appraisal time and a conservative valuation. With $78,946 as the median household income, the payer mix in a projection has to match what Greenfield households actually spend.
The programs this provider mix points at
- Practice acquisition
- Expansion, relocation, and build-out
- Working capital term loan
- Startup and de novo
- Business line of credit
The order comes from Greenfield's own provider mix, which behavioral and mental health group practices dominates at 24 percent. What a partner can actually place in California is a separate question.
The first pages of a Greenfield file
behavioral and mental health group practices, general dentistry, independent pharmacy account for most of what is enumerated in Greenfield, so those are the files funders see from this town
| Field | What the file turns on | The capital event behind most requests |
|---|---|---|
| Behavioral and mental health group practices (5) | Clinician retention and productivity, Payer mix and Medicaid concentration, Re-authorization and session limit exposure | Working capital through the credentialing lag |
| General dentistry (4) | Three years of collections history, Hygiene as a share of collections, Overhead ratio and owner add-backs | Acquisition of an established practice |
| Independent pharmacy (4) | Script count and file retention, Gross margin after direct and indirect remuneration, Wholesaler terms against reimbursement timing | Acquisition of the business or the prescription files |
Counts in the first column are Greenfield providers from NPPES. The other two columns describe how funders read that field across markets like Greenfield, not what any funder will do with your file.
How Greenfield prices against its neighbors
Set Greenfield's 10.0 per 10,000 against the towns an appraiser would reach for next
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Greenfield (current) | 21,042 | 21 | 10.0 | |
| Soledad | 26,345 | 45 | 17.1 | 9 |
| Hollister | 45,033 | 162 | 36.0 | 38 |
| Seaside | 31,524 | 77 | 24.4 | 38 |
| Marina | 23,047 | 123 | 53.4 | 39 |
| Monterey | 29,015 | 849 | 292.6 | 40 |
| Pacific Grove | 14,851 | 101 | 68.0 | 43 |
How Greenfield sits against the nearest metro
33 miles separate Greenfield from Salinas, CA. Rent comparables cross that gap; patients mostly do not. At $78,946 median household income, the elective and cash-pay share of a projection is the line that gets tested first. Referral flow comes from outside Greenfield, which a projection needs to state plainly.
Nearby California towns
What owners in Greenfield ask
01How many providers practice in Greenfield, and in what?
NPPES lists 21 providers at a Greenfield practice address, 10.0 per 10,000 residents across 7 tracked fields. Behavioral and mental health group practices accounts for 5 of them, 24 percent of the total, with general dentistry next at 4. Read that as clinicians: 21 enumerations, not 21 owners.
02What does Monterey County's shortage designation change?
The primary care, dental, mental health designation HRSA carries on Monterey County is a recruiting instrument: it puts repayment incentives in front of candidates, which is how a hiring plan for 21,042 residents gets past the question of who would take the job.
03Why does Monterey County show so little SBA activity?
Monterey County shows 5 approvals in the SBA healthcare file, which means an appraiser reaches outside the county for comparables. Few sales, not weak credit, is the usual reason. 146 lending establishments operate locally.
04Is Greenfield underwritten as part of Salinas, CA?
Comparables and demand split at 33 miles. An appraiser prices the lease and the equipment off Salinas, CA; the revenue line has to hold up against 21,042 local residents.
05Is there local lending capacity in Monterey County?
County Business Patterns records 146 credit intermediation establishments in Monterey County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Greenfield rents and resale before or by somebody working from a screen.
06What does the underserved designation in Monterey County support?
Monterey 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
- 5U.S. Census Bureau, County Business Patterns 2022
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