California micro-market
Healthcare practice financing in Lafayette, California
Direct answer
256 healthcare providers hold a Lafayette practice address, 100.9 per 10,000 of its 25,371 residents, 32 percent of them in physical, occupational, and speech therapy. Contra Costa County recorded 39 SBA healthcare approvals worth $25,197,200, and Vallejo, CA sits 17 miles out.
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- Population: 25,371 residents (25K-50K band)1
- Healthcare providers registered here: 256 across 25 fields2
- Median household income: $222,3933
- Largest provider field: Physical, occupational, and speech therapy: 82 registered providers2
- Medicare-certified providers in town: 1 across 1 categories4
- Nearest metro: Vallejo, CA, 17 miles1
Lafayette clinicians, by field
100.9 providers per 10,000 residents is what 256 enumerations across 25 fields works out to in a town of 25,371
| Practice type | Count | Rate per 10,000 residents | Published by |
|---|---|---|---|
| Physical, occupational, and speech therapy | 82 | 32.3 | NPPES [2] |
| ABA and autism therapy | 33 | 13.0 | NPPES [2] |
| Chiropractic | 28 | 11.0 | NPPES [2] |
| General dentistry | 22 | 8.7 | NPPES [2] |
| Dental specialties | 20 | 7.9 | NPPES [2] |
| Optometry and ophthalmology | 15 | 5.9 | NPPES [2] |
| Primary care and family medicine | 13 | 5.1 | NPPES [2] |
| Specialty physician groups | 8 | 3.2 | NPPES [2] |
| DME and HME suppliers | 5 | 2.0 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 4 | 1.6 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 3 | 1.2 | NPPES [2] |
| Dermatology | 2 | 0.8 | NPPES [2] |
| Urgent care | 2 | 0.8 | NPPES [2] |
| ASCs and OBLs | 2 | 0.8 | NPPES [2] |
| SUD treatment and residential | 2 | 0.8 | NPPES [2] |
| Audiology and hearing centers | 2 | 0.8 | NPPES [2] |
| Non-medical home care | 2 | 0.8 | NPPES [2] |
| Med spa and aesthetics | 2 | 0.8 | NPPES [2] |
| Hormone, TRT, and men's health clinics | 2 | 0.8 | NPPES [2] |
| Behavioral and mental health group practices | 2 | 0.8 | NPPES [2] |
| Podiatry | 1 | 0.4 | NPPES [2] |
| Home health | 1 | 0.4 | NPPES [2] |
| Independent pharmacy | 1 | 0.4 | NPPES [2] |
| Plastic and cosmetic surgery | 1 | 0.4 | NPPES [2] |
| Telehealth and virtual clinics | 1 | 0.4 | NPPES [2] |
| Medical equipment suppliers | 2 | CMS [4] | |
| Home health agencies | 1 | CMS [4] |
Several of the 82 physical, occupational, and speech therapy enumerations can belong to one practice, so the column counts clinicians rather than businesses or owners
The lending record behind Lafayette
The published file shows 39 healthcare approvals in Contra Costa County, $25,197,200 in total, and that history is what an appraiser and a credit committee reach for
| Measure | Published figure | What sits behind it |
|---|---|---|
| Approvals on record | 39 | Fiscal year published in the SBA file [5] |
| Total approved capital | $25,197,200 | Sum of approvals to healthcare borrowers [5] |
| Mean deal size | $646,082 | Dollars divided by approvals [5] |
| Lenders sited in the county | 596 | Credit intermediation establishments, NAICS 522 [6] |
What the two tables above change about a file
A file from here opens on 100.9 providers per 10,000 residents, and everything about volume follows from it. 39 approvals worth $25,197,200 in Contra Costa County means the size you are asking for has a local precedent to point at. Household income of $222,393 in Lafayette 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
- Startup and de novo
- Working capital term loan
- Equipment financing and leasing
- Expansion, relocation, and build-out
Ranked from the 25 fields that actually practice in Lafayette, weighted toward physical, occupational, and speech therapy. Availability still depends on California and on the funding partner.
The first pages of a Lafayette file
Drawn from the fields that actually practice here: physical, occupational, and speech therapy, aba and autism therapy, chiropractic
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| Physical, occupational, and speech therapy (82) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| ABA and autism therapy (33) | Authorized hours against delivered hours, Payer mix stability, Billing compliance history | Working capital against authorization and billing lag |
| Chiropractic (28) | Cash plan revenue, Personal injury receivable age, Visit volume | Startup or acquisition |
NPPES supplies the Lafayette counts. The reading columns describe the field in general, and no partner reviewing a Lafayette file is bound by them.
Lafayette against nearby California markets
The neighboring markets below are the ones a valuation borrows from when Lafayette has too few sales of its own
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Lafayette (current) | 25,371 | 256 | 100.9 | |
| Orinda | 19,573 | 136 | 69.5 | 3 |
| Moraga | 16,698 | 40 | 24.0 | 3 |
| Pleasant Hill | 34,169 | 344 | 100.7 | 5 |
| Martinez | 37,006 | 561 | 151.6 | 7 |
| Piedmont | 10,816 | 42 | 38.8 | 8 |
| Danville | 43,410 | 356 | 82.0 | 10 |
What the geography does to a Lafayette projection
17 miles separate Lafayette from Vallejo, CA. Lease pricing follows Vallejo, CA, while revenue stays capped by the 25,371 residents here. At $222,393 median household income, the elective and cash-pay share of a projection is the line that gets tested first. Referral flow comes from outside Lafayette, which a projection needs to state plainly.
Other California markets
What owners in Lafayette ask
01How many providers practice in Lafayette, and in what?
NPPES lists 256 providers at a Lafayette practice address, 100.9 per 10,000 residents across 25 tracked fields. Physical, occupational, and speech therapy accounts for 82 of them, 32 percent of the total, with aba and autism therapy next at 33. Read that as clinicians: 256 enumerations, not 256 owners.
02What does Contra Costa County's shortage designation change?
Contra Costa County holds a HRSA designation covering primary care, dental, mental health. A pro forma for Lafayette can cite it as the reason a vacancy is fillable, which is usually the weakest line in a ramp schedule.
03Which fields carry the volume in Lafayette?
Volume concentrates in physical, occupational, and speech therapy, 82 of them, ahead of aba and autism therapy at 33, across 25 fields. A thin second field usually means a longer search for staff than a pro forma allows for.
04What does SBA lending look like around Lafayette?
The county file behind Lafayette holds 39 healthcare approvals totaling $25,197,200, an average of $646,082. Those are the loan sizes lenders in Contra Costa County have already carried.
05Is Lafayette underwritten as part of Vallejo, CA?
Vallejo, CA sits 17 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 25,371 residents set the ceiling a projection can defend.
06What does a $222,393 median income mean for case acceptance?
Median household income in Lafayette runs $222,393. 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
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