California micro-market
Healthcare practice financing in Lemoore, California
Direct answer
Density decides a lot here. Lemoore runs 42.5 providers per 10,000 residents, 115 clinicians against 27,057 people, 34 percent of them in primary care and family medicine, while Kings County lenders have approved 0 healthcare files worth $0 and the nearest metro is 8 miles out.
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- Population: 27,057 residents (25K-50K band)1
- Healthcare providers registered here: 115 across 19 fields2
- Median household income: $82,1893
- Largest provider field: Primary care and family medicine: 39 registered providers2
- Medicare-certified providers in town: 1 across 1 categories4
- Nearest metro: Hanford-Corcoran, CA, 8 miles1
What NPPES records at Lemoore addresses
The NPPES file puts 115 enumerated clinicians inside Lemoore, spread over 19 fields at 42.5 per 10,000 residents
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Primary care and family medicine | 39 | 14.4 | NPPES [2] |
| General dentistry | 26 | 9.6 | NPPES [2] |
| Physical, occupational, and speech therapy | 13 | 4.8 | NPPES [2] |
| Optometry and ophthalmology | 8 | 3.0 | NPPES [2] |
| SUD treatment and residential | 6 | 2.2 | NPPES [2] |
| ABA and autism therapy | 4 | 1.5 | NPPES [2] |
| Chiropractic | 2 | 0.7 | NPPES [2] |
| Dental specialties | 2 | 0.7 | NPPES [2] |
| Independent pharmacy | 2 | 0.7 | NPPES [2] |
| Med spa and aesthetics | 2 | 0.7 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 2 | 0.7 | NPPES [2] |
| Telehealth and virtual clinics | 2 | 0.7 | NPPES [2] |
| DME and HME suppliers | 1 | 0.4 | NPPES [2] |
| Home health | 1 | 0.4 | NPPES [2] |
| Audiology and hearing centers | 1 | 0.4 | NPPES [2] |
| Non-medical home care | 1 | 0.4 | NPPES [2] |
| Specialty physician groups | 1 | 0.4 | NPPES [2] |
| Behavioral and mental health group practices | 1 | 0.4 | NPPES [2] |
| Dialysis and infusion centers | 1 | 0.4 | NPPES [2] |
| Medical equipment suppliers | 2 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] |
Primary care and family medicine carries 39 of the 115 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
What lenders have already approved in Kings County
0 healthcare approvals sit in the county file, so an appraiser here works from a short comparable set
| What it measures | Value | How to read it |
|---|---|---|
| Healthcare files approved | 0 | Counted for the fiscal year the SBA publishes [5] |
| Dollars behind them | $0 | Everything approved to healthcare borrowers, added up [5] |
| Typical approval size | No approvals recorded | The dollar column over the approval column [5] |
| Credit offices operating locally | 36 | Places that write credit locally, NAICS 522 [6] |
What the two tables above change about a file
42.5 per 10,000 is the first number a credit analyst converts into a realistic new-patient count. Kings County has 0 approvals to compare against, so plan for extra appraisal time and a conservative valuation. With $82,189 as the median household income, the payer mix in a projection has to match what Lemoore households actually spend.
The programs this provider mix points at
- Practice acquisition
- Expansion, relocation, and build-out
- Startup and de novo
- Working capital term loan
- Equipment financing and leasing
Ranked from the 19 fields that actually practice in Lemoore, weighted toward primary care and family medicine. Availability still depends on California and on the funding partner.
What a funder reads first in Lemoore
What a funder opens first depends on the field. In Lemoore that means primary care and family medicine, general dentistry, physical, occupational, and speech therapy.
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| Primary care and family medicine (39) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| General dentistry (26) | Three years of collections history, Hygiene as a share of collections, Overhead ratio and owner add-backs | Acquisition of an established practice |
| Physical, occupational, and speech therapy (13) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
The first column is Lemoore's own NPPES count. The rest is how the field is generally underwritten, whether the address is Lemoore or anywhere else.
How Lemoore prices against its neighbors
The neighboring markets below are the ones a valuation borrows from when Lemoore has too few sales of its own
| Comparable | People | Enumerations | Per 10,000 residents | Miles |
|---|---|---|---|---|
| Lemoore (current) | 27,057 | 115 | 42.5 | |
| Hanford | 60,594 | 350 | 57.8 | 8 |
| Corcoran | 22,627 | 52 | 23.0 | 20 |
| Kingsburg | 13,128 | 61 | 46.5 | 20 |
| Selma | 24,505 | 135 | 55.1 | 22 |
| Avenal | 14,108 | 26 | 18.4 | 25 |
| Parlier | 14,429 | 32 | 22.2 | 26 |
Distance, income, and the wage floor around Lemoore
Hanford-Corcoran, CA lies 8 miles from Lemoore, close enough that appraisers price the lease against Hanford-Corcoran, CA rents while 27,057 residents set the revenue ceiling. At $82,189 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. A college in Lemoore puts a term-shaped curve into monthly collections.
Nearby California towns
What owners in Lemoore ask
01How many providers practice in Lemoore, and in what?
NPPES lists 115 providers at a Lemoore practice address, 42.5 per 10,000 residents across 19 tracked fields. Primary care and family medicine accounts for 39 of them, 34 percent of the total, with general dentistry next at 26. Read that as clinicians: 115 enumerations, not 115 owners.
02Why does Kings County show so little SBA activity?
Kings County shows 0 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. 36 lending establishments operate locally.
03Is Lemoore underwritten as part of Hanford-Corcoran, CA?
Partly. Hanford-Corcoran, CA is 8 miles out, so rent and equipment comparables travel in from there while patients still come from the 27,057 residents around Lemoore. Cost side metro, revenue side local.
04What does Kings County's shortage designation change?
Kings County holds a HRSA designation covering primary care, dental, mental health. A pro forma for Lemoore can cite it as the reason a vacancy is fillable, which is usually the weakest line in a ramp schedule.
05How does the college here show up in the numbers?
Higher education here shapes the calendar more than the population figure suggests. The 27,057 resident count understates term-time demand and overstates it in July, and a lender that sees both months wants the reason.
06Which fields carry the volume in Lemoore?
Volume concentrates in primary care and family medicine, 39 of them, ahead of general dentistry at 26, across 19 fields. A thin second field usually means a longer search for staff than a pro forma allows for.
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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