California micro-market
Healthcare practice financing in Lincoln, California
Direct answer
56,268 residents, 170 enumerated clinicians, 30.2 per 10,000, 21 percent of them in physical, occupational, and speech therapy: that is the Lincoln market a funder prices. Placer County adds 23 healthcare approvals worth $13,430,400 and 23 miles of distance to Sacramento-Roseville-Folsom, CA.
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- Population: 56,268 residents (50K-100K band)1
- Healthcare providers registered here: 170 across 22 fields2
- Median household income: $108,1083
- Largest provider field: Physical, occupational, and speech therapy: 36 registered providers2
- Medicare-certified providers in town: 1 across 1 categories4
- Nearest metro: Sacramento-Roseville-Folsom, CA, 23 miles1
Lincoln clinicians, by field
Counted at the town's own addresses: 170 providers, 22 fields, 30.2 clinicians per 10,000 of the 56,268 residents here
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| Physical, occupational, and speech therapy | 36 | 6.4 | NPPES [2] |
| Primary care and family medicine | 20 | 3.6 | NPPES [2] |
| General dentistry | 16 | 2.8 | NPPES [2] |
| Chiropractic | 12 | 2.1 | NPPES [2] |
| Specialty physician groups | 12 | 2.1 | NPPES [2] |
| Optometry and ophthalmology | 12 | 2.1 | NPPES [2] |
| DME and HME suppliers | 11 | 2.0 | NPPES [2] |
| Dental specialties | 11 | 2.0 | NPPES [2] |
| ABA and autism therapy | 8 | 1.4 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 8 | 1.4 | NPPES [2] |
| Independent pharmacy | 6 | 1.1 | NPPES [2] |
| Podiatry | 3 | 0.5 | NPPES [2] |
| Dermatology | 3 | 0.5 | NPPES [2] |
| Telehealth and virtual clinics | 3 | 0.5 | NPPES [2] |
| Home health | 2 | 0.4 | NPPES [2] |
| Urgent care | 1 | 0.2 | NPPES [2] |
| SUD treatment and residential | 1 | 0.2 | NPPES [2] |
| Pain management and interventional | 1 | 0.2 | NPPES [2] |
| Audiology and hearing centers | 1 | 0.2 | NPPES [2] |
| Med spa and aesthetics | 1 | 0.2 | NPPES [2] |
| Behavioral and mental health group practices | 1 | 0.2 | NPPES [2] |
| Dialysis and infusion centers | 1 | 0.2 | NPPES [2] |
| Medical equipment suppliers | 6 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] |
Several of the 36 physical, occupational, and speech therapy enumerations can belong to one practice, so the column counts clinicians rather than businesses or owners
Loan activity in Placer County
23 healthcare approvals averaging $583,930 set the deal shape lenders in Placer County have already underwritten
| Measure | Published figure | What sits behind it |
|---|---|---|
| SBA healthcare approvals | 23 | Counted for the fiscal year the SBA publishes [5] |
| Approved dollars | $13,430,400 | Everything approved to healthcare borrowers, added up [5] |
| Average approval | $583,930 | The dollar column over the approval column [5] |
| Lending establishments in the county | 319 | Places that write credit locally, NAICS 522 [6] |
What the two tables above change about a file
A file from here opens on 30.2 providers per 10,000 residents, and everything about volume follows from it. 23 approvals worth $13,430,400 in Placer County means the size you are asking for has a local precedent to point at. With $108,108 as the median household income, the payer mix in a projection has to match what Lincoln households actually spend.
The programs this provider mix points at
- Practice acquisition
- Startup and de novo
- Expansion, relocation, and build-out
- Equipment financing and leasing
- Working capital term loan
Built from what is enumerated here rather than from a national list, so a field with no presence in Lincoln does not appear. Availability is still a California question.
The first pages of a Lincoln file
Drawn from the fields that actually practice here: physical, occupational, and speech therapy, primary care and family medicine, general dentistry
| Practice type | The pages that decide it | Typical capital event |
|---|---|---|
| Physical, occupational, and speech therapy (36) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Primary care and family medicine (20) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| General dentistry (16) | Three years of collections history, Hygiene as a share of collections, Overhead ratio and owner add-backs | Acquisition of an established practice |
NPPES supplies the Lincoln counts. The reading columns describe the field in general, and no partner reviewing a Lincoln file is bound by them.
How Lincoln prices against its neighbors
The neighboring markets below are the ones a valuation borrows from when Lincoln has too few sales of its own
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Lincoln (current) | 56,268 | 170 | 30.2 | |
| Rocklin | 75,129 | 517 | 68.8 | 5 |
| Citrus Heights | 86,909 | 380 | 43.7 | 12 |
| Auburn | 13,780 | 475 | 344.7 | 12 |
| Marysville | 12,714 | 148 | 116.4 | 25 |
| Grass Valley | 14,085 | 497 | 352.9 | 27 |
| Woodland | 62,983 | 372 | 59.1 | 28 |
How Lincoln sits against the nearest metro
Distance to Sacramento-Roseville-Folsom, CA is 23 miles. Appraisers borrow Sacramento-Roseville-Folsom, CA rents, and the 56,268 residents set the ceiling on collections. At $108,108 median household income, the elective and cash-pay share of a projection is the line that gets tested first. Referral flow comes from outside Lincoln, which a projection needs to state plainly.
Nearby California towns
- Rocklin 75,129 residents
- Citrus Heights 86,909 residents
- Auburn 13,780 residents
- Marysville 12,714 residents
- Grass Valley 14,085 residents
- Woodland 62,983 residents
What owners in Lincoln ask
01How many providers practice in Lincoln, and in what?
Across 22 fields, Lincoln carries 170 enumerated clinicians, 30.2 per 10,000 of the 56,268 people living here. The concentration is in physical, occupational, and speech therapy, 36 of the total, then primary care and family medicine at 20. Count practices from that only with care.
02What does a $108,108 median income mean for case acceptance?
Median household income in Lincoln runs $108,108. 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.
03What does Placer County's shortage designation change?
Designated for primary care, dental, mental health, Placer 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.
04Which fields carry the volume in Lincoln?
Volume concentrates in physical, occupational, and speech therapy, 36 of them, ahead of primary care and family medicine at 20, across 22 fields. A thin second field usually means a longer search for staff than a pro forma allows for.
05Is Lincoln underwritten as part of Sacramento-Roseville-Folsom, CA?
Comparables and demand split at 23 miles. An appraiser prices the lease and the equipment off Sacramento-Roseville-Folsom, CA; the revenue line has to hold up against 56,268 local residents.
06What does SBA lending look like around Lincoln?
The county file behind Lincoln holds 23 healthcare approvals totaling $13,430,400, an average of $583,930. Those are the loan sizes lenders in Placer County have already carried.
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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