California micro-market
Healthcare practice financing in Lomita, California
Direct answer
160 healthcare providers hold a Lomita practice address, 80.6 per 10,000 of its 19,841 residents, 16 percent of them in physical, occupational, and speech therapy. Los Angeles County recorded 298 SBA healthcare approvals worth $229,015,900, and Los Angeles-Long Beach-Anaheim, CA sits 17 miles out.
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- Population: 19,841 residents (10K-25K band)1
- Healthcare providers registered here: 160 across 24 fields2
- Median household income: $92,9203
- Largest provider field: Physical, occupational, and speech therapy: 25 registered providers2
- Medicare-certified providers in town: 5 across 3 categories4
- Nearest metro: Los Angeles-Long Beach-Anaheim, CA, 17 miles1
Lomita clinicians, by field
160 providers across 24 fields, 80.6 per 10,000 residents, counted at Lomita addresses in the NPPES monthly file
| Practice type | Count | Rate per 10,000 residents | Published by |
|---|---|---|---|
| Physical, occupational, and speech therapy | 25 | 12.6 | NPPES [2] |
| Chiropractic | 19 | 9.6 | NPPES [2] |
| General dentistry | 15 | 7.6 | NPPES [2] |
| DME and HME suppliers | 14 | 7.1 | NPPES [2] |
| ABA and autism therapy | 13 | 6.6 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 13 | 6.6 | NPPES [2] |
| Specialty physician groups | 8 | 4.0 | NPPES [2] |
| Primary care and family medicine | 7 | 3.5 | NPPES [2] |
| Dental specialties | 7 | 3.5 | NPPES [2] |
| Non-medical home care | 5 | 2.5 | NPPES [2] |
| Home health | 4 | 2.0 | NPPES [2] |
| Independent pharmacy | 4 | 2.0 | NPPES [2] |
| Optometry and ophthalmology | 4 | 2.0 | NPPES [2] |
| Hospice and palliative | 3 | 1.5 | NPPES [2] |
| Hormone, TRT, and men's health clinics | 3 | 1.5 | NPPES [2] |
| Telehealth and virtual clinics | 3 | 1.5 | NPPES [2] |
| SUD treatment and residential | 2 | 1.0 | NPPES [2] |
| Clinical research sites | 2 | 1.0 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 2 | 1.0 | NPPES [2] |
| Behavioral and mental health group practices | 2 | 1.0 | NPPES [2] |
| Clinical and toxicology labs | 2 | 1.0 | NPPES [2] |
| Podiatry | 1 | 0.5 | NPPES [2] |
| Urgent care | 1 | 0.5 | NPPES [2] |
| Dialysis and infusion centers | 1 | 0.5 | NPPES [2] |
| Medical equipment suppliers | 2 | CMS [4] | |
| Hospice providers | 2 | CMS [4] | |
| Home health agencies | 2 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] |
Several of the 25 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 Lomita
298 healthcare approvals averaging $768,510 set the deal shape lenders in Los Angeles County have already underwritten
| Measure | Published figure | What sits behind it |
|---|---|---|
| Healthcare files approved | 298 | One published fiscal year, healthcare borrowers only [5] |
| Dollars behind them | $229,015,900 | Approved, not disbursed, and not net of withdrawals [5] |
| Typical approval size | $768,510 | A mean, so one large approval moves it [5] |
| Credit offices operating locally | 4,689 | Credit intermediation offices sited in the county [6] |
How this data lands in an underwriting decision
The ratio that matters up front is 80.6 per 10,000, which decides whether a ramp schedule reads as conservative. A request measured against 298 prior Los Angeles County approvals is priced on precedent, which shortens the questions about valuation. Household income of $92,920 in Lomita 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
- Equipment financing and leasing
- Working capital term loan
- Expansion, relocation, and build-out
The 24 fields practicing locally set this order. A funding partner, not this list, decides what is available in California.
The first pages of a Lomita file
Drawn from the fields that actually practice here: physical, occupational, and speech therapy, chiropractic, general dentistry
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| Physical, occupational, and speech therapy (25) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Chiropractic (19) | Cash plan revenue, Personal injury receivable age, Visit volume | Startup or acquisition |
| General dentistry (15) | 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 Lomita counts. The reading columns describe the field in general, and no partner reviewing a Lomita file is bound by them.
How Lomita prices against its neighbors
Density is the number that moves an appraisal: 80.6 per 10,000 here
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Lomita (current) | 19,841 | 160 | 80.6 | |
| Rancho Palos Verdes | 40,064 | 177 | 44.2 | 5 |
| Palos Verdes Estates | 12,668 | 38 | 30.0 | 6 |
| Redondo Beach | 68,075 | 604 | 88.7 | 6 |
| Lawndale | 30,160 | 170 | 56.4 | 7 |
| Hermosa Beach | 18,687 | 223 | 119.3 | 7 |
| Signal Hill | 11,279 | 104 | 92.2 | 8 |
Distance, income, and the wage floor around Lomita
Los Angeles-Long Beach-Anaheim, CA lies 17 miles from Lomita, close enough that appraisers price the lease against Los Angeles-Long Beach-Anaheim, CA rents while 19,841 residents set the revenue ceiling. Households here carry $92,920 in median income, and that ceiling decides how much of a treatment plan gets started rather than deferred. Referral flow comes from outside Lomita, which a projection needs to state plainly.
Other California markets
- Rancho Palos Verdes 40,064 residents
- Palos Verdes Estates 12,668 residents
- Redondo Beach 68,075 residents
- Lawndale 30,160 residents
- Hermosa Beach 18,687 residents
- Signal Hill 11,279 residents
Questions from Lomita
01How many providers practice in Lomita, and in what?
160 enumerations sit at Lomita addresses in the monthly NPPES file, working out to 80.6 for every 10,000 residents. 16 percent of them are physical, occupational, and speech therapy, and chiropractic follows with 19. An enumeration is a clinician, so the 160 here cover fewer than 160 practices.
02What does SBA lending look like around Lomita?
Healthcare borrowers in Los Angeles County took 298 approvals worth $229,015,900 in the published fiscal year, averaging $768,510. That is the comparable set an appraiser near Lomita reaches for first.
03What does Los Angeles County's shortage designation change?
HRSA designates Los Angeles County for primary care, dental, mental health. That opens loan repayment programs for clinicians recruited into Lomita and evidences a staffing ramp in a 19,841 resident market.
04Is Lomita underwritten as part of Los Angeles-Long Beach-Anaheim, CA?
Comparables and demand split at 17 miles. An appraiser prices the lease and the equipment off Los Angeles-Long Beach-Anaheim, CA; the revenue line has to hold up against 19,841 local residents.
05Is there local lending capacity in Los Angeles County?
County Business Patterns records 4,689 credit intermediation establishments in Los Angeles County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Lomita rents and resale before or by somebody working from a screen.
06What does the underserved designation in Los Angeles County support?
Los Angeles 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
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