California micro-market
Healthcare practice financing in Kerman, California
Direct answer
39 healthcare providers hold a Kerman practice address, 22.3 per 10,000 of its 17,497 residents, 15 percent of them in primary care and family medicine. Fresno County recorded 21 SBA healthcare approvals worth $12,310,100, and Fresno, CA sits 15 miles out.
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- Population: 17,497 residents (10K-25K band)1
- Healthcare providers registered here: 39 across 14 fields2
- Median household income: $57,5563
- Largest provider field: Primary care and family medicine: 6 registered providers2
- Medicare-certified providers in town: 1 across 1 categories4
- Nearest metro: Fresno, CA, 15 miles1
What NPPES records at Kerman addresses
The NPPES file puts 39 enumerated clinicians inside Kerman, spread over 14 fields at 22.3 per 10,000 residents
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| Primary care and family medicine | 6 | 3.4 | NPPES [2] |
| Independent pharmacy | 5 | 2.9 | NPPES [2] |
| ABA and autism therapy | 5 | 2.9 | NPPES [2] |
| General dentistry | 4 | 2.3 | NPPES [2] |
| Physical, occupational, and speech therapy | 4 | 2.3 | NPPES [2] |
| Optometry and ophthalmology | 3 | 1.7 | NPPES [2] |
| DME and HME suppliers | 2 | 1.1 | NPPES [2] |
| SUD treatment and residential | 2 | 1.1 | NPPES [2] |
| Behavioral and mental health group practices | 2 | 1.1 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 2 | 1.1 | NPPES [2] |
| Dental specialties | 1 | 0.6 | NPPES [2] |
| Mobile diagnostics | 1 | 0.6 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 1 | 0.6 | NPPES [2] |
| Dialysis and infusion centers | 1 | 0.6 | NPPES [2] |
| Medical equipment suppliers | 2 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] |
Several of the 6 primary care and family medicine enumerations can belong to one practice, so the column counts clinicians rather than businesses or owners
The lending record behind Kerman
21 healthcare approvals averaging $586,195 set the deal shape lenders in Fresno County have already underwritten
| Measure | Published figure | What sits behind it |
|---|---|---|
| Healthcare files approved | 21 | Counted for the fiscal year the SBA publishes [5] |
| Dollars behind them | $12,310,100 | Everything approved to healthcare borrowers, added up [5] |
| Typical approval size | $586,195 | The dollar column over the approval column [5] |
| Credit offices operating locally | 379 | Places that write credit locally, NAICS 522 [6] |
What the two tables above change about a file
Density of 22.3 per 10,000 sets the patient draw a projection can claim without an argument. Because Fresno County already carries $12,310,100 across 21 healthcare approvals, a request near that average moves faster than one well above it. Household income of $57,556 in Kerman is the number a lender uses to sanity check the self-pay share of a revenue projection.
The programs this provider mix points at
- Practice acquisition
- Expansion, relocation, and build-out
- Startup and de novo
- Working capital term loan
- Commercial real estate, owner-occupied
The 14 fields practicing locally set this order. A funding partner, not this list, decides what is available in California.
What a funder reads first in Kerman
primary care and family medicine, independent pharmacy, aba and autism therapy account for most of what is enumerated in Kerman, so those are the files funders see from this town
| Field | What the file turns on | The capital event behind most requests |
|---|---|---|
| Primary care and family medicine (6) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| Independent pharmacy (5) | 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 |
| ABA and autism therapy (5) | Authorized hours against delivered hours, Payer mix stability, Billing compliance history | Working capital against authorization and billing lag |
Counts in the first column are Kerman providers from NPPES. The other two columns describe how funders read that field across markets like Kerman, not what any funder will do with your file.
Kerman against nearby California markets
Comparables travel. These are the California towns whose density, at 22.3 per 10,000 here, gets weighed beside this one.
| Comparable | People | Enumerations | Per 10,000 residents | Miles |
|---|---|---|---|---|
| Kerman (current) | 17,497 | 39 | 22.3 | |
| Madera | 69,094 | 421 | 60.9 | 17 |
| Mendota | 12,623 | 19 | 15.1 | 18 |
| Selma | 24,505 | 135 | 55.1 | 27 |
| Sanger | 26,649 | 93 | 34.9 | 28 |
| Chowchilla | 19,191 | 50 | 26.1 | 29 |
| Parlier | 14,429 | 32 | 22.2 | 30 |
Distance, income, and the wage floor around Kerman
Fresno, CA lies 15 miles from Kerman, close enough that appraisers price the lease against Fresno, CA rents while 17,497 residents set the revenue ceiling. At $57,556 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.
More of California
Questions from Kerman
01How many providers practice in Kerman, and in what?
39 enumerations sit at Kerman addresses in the monthly NPPES file, working out to 22.3 for every 10,000 residents. 15 percent of them are primary care and family medicine, and independent pharmacy follows with 5. An enumeration is a clinician, so the 39 here cover fewer than 39 practices.
02What does Fresno County's shortage designation change?
Fresno County holds a HRSA designation covering primary care, dental, mental health. A pro forma for Kerman can cite it as the reason a vacancy is fillable, which is usually the weakest line in a ramp schedule.
03Is Kerman underwritten as part of Fresno, CA?
Fresno, CA sits 15 miles away, close enough that appraisers reach into that market for rent and resale comparables while your patient draw stays local. The comparables read Fresno, CA; the 17,497 residents set the ceiling a projection can defend.
04What does SBA lending look like around Kerman?
The county file behind Kerman holds 21 healthcare approvals totaling $12,310,100, an average of $586,195. Those are the loan sizes lenders in Fresno County have already carried.
05Is there local lending capacity in Fresno County?
County Business Patterns records 379 credit intermediation establishments in Fresno County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Kerman rents and resale before or by somebody working from a screen.
06What does the underserved designation in Fresno County support?
Fresno 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
- 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.