California micro-market
Healthcare practice financing in Los Banos, California
Direct answer
Density decides a lot here. Los Banos runs 26.3 providers per 10,000 residents, 128 clinicians against 48,684 people, 20 percent of them in physical, occupational, and speech therapy, while Merced County lenders have approved 0 healthcare files worth $0 and the nearest metro is 27 miles out.
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- Population: 48,684 residents (25K-50K band)1
- Healthcare providers registered here: 128 across 20 fields2
- Median household income: $70,8933
- Largest provider field: Physical, occupational, and speech therapy: 25 registered providers2
- Medicare-certified providers in town: 3 across 1 categories4
- Nearest metro: Merced, CA, 27 miles1
Los Banos clinicians, by field
128 providers across 20 fields, 26.3 per 10,000 residents, counted at Los Banos addresses in the NPPES monthly file
| Practice type | Count | Rate per 10,000 residents | Published by |
|---|---|---|---|
| Physical, occupational, and speech therapy | 25 | 5.1 | NPPES [2] |
| Primary care and family medicine | 23 | 4.7 | NPPES [2] |
| General dentistry | 15 | 3.1 | NPPES [2] |
| Specialty physician groups | 14 | 2.9 | NPPES [2] |
| ABA and autism therapy | 7 | 1.4 | NPPES [2] |
| Podiatry | 5 | 1.0 | NPPES [2] |
| Chiropractic | 5 | 1.0 | NPPES [2] |
| Optometry and ophthalmology | 5 | 1.0 | NPPES [2] |
| Behavioral and mental health group practices | 5 | 1.0 | NPPES [2] |
| DME and HME suppliers | 4 | 0.8 | NPPES [2] |
| Independent pharmacy | 4 | 0.8 | NPPES [2] |
| Dialysis and infusion centers | 3 | 0.6 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 3 | 0.6 | NPPES [2] |
| Urgent care | 2 | 0.4 | NPPES [2] |
| SUD treatment and residential | 2 | 0.4 | NPPES [2] |
| Non-medical home care | 2 | 0.4 | NPPES [2] |
| Home health | 1 | 0.2 | NPPES [2] |
| ASCs and OBLs | 1 | 0.2 | NPPES [2] |
| Telehealth and virtual clinics | 1 | 0.2 | NPPES [2] |
| Occupational health and drug testing | 1 | 0.2 | NPPES [2] |
| Medical equipment suppliers | 3 | CMS [4] | |
| Dialysis facilities | 3 | CMS [4] |
Physical, occupational, and speech therapy carries 25 of the 128 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
Merced County approvals, dollars, and lending establishments
The county file holds 0 healthcare approvals, which is a thin comparable set for anyone pricing collateral
| 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 | 75 | Places that write credit locally, NAICS 522 [6] |
Reading Los Banos the way a credit committee does
The ratio that matters up front is 26.3 per 10,000, which decides whether a ramp schedule reads as conservative. With 0 approvals on record in Merced County, expect a longer appraisal and a wider collateral discount. Household income of $70,893 in Los Banos is the number a lender uses to sanity check the self-pay share of a revenue projection.
Where a file from this town usually lands
- Practice acquisition
- Expansion, relocation, and build-out
- Startup and de novo
- Working capital term loan
- Equipment financing and leasing
Ranked from the 20 fields that actually practice in Los Banos, weighted toward physical, occupational, and speech therapy. Availability still depends on California and on the funding partner.
What a funder reads first in Los Banos
Drawn from the fields that actually practice here: physical, occupational, and speech therapy, primary care and family medicine, 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 |
| Primary care and family medicine (23) | Panel size, Value-based contract exposure, Provider productivity | 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 |
Local counts come from NPPES. What a file turns on is drawn from how the field is generally reviewed, not from any decision about your practice.
Los Banos against nearby California markets
26.3 per 10,000 is the figure a neighboring town gets compared against when an appraiser prices Los Banos
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Los Banos (current) | 48,684 | 128 | 26.3 | |
| Newman | 12,292 | 27 | 22.0 | 20 |
| Livingston | 14,767 | 34 | 23.0 | 23 |
| Atwater | 32,248 | 115 | 35.7 | 24 |
| Merced | 96,073 | 704 | 73.3 | 27 |
| Turlock | 72,888 | 405 | 55.6 | 31 |
| Patterson | 25,495 | 64 | 25.1 | 33 |
Distance, income, and the wage floor around Los Banos
Merced, CA lies 27 miles from Los Banos, close enough for rent comparables to travel and far enough that patient draw does not. Median household income runs $70,893, which is the number a funder converts into case acceptance on anything elective or cash-pay. The hospital fixes two inputs a lender would otherwise estimate in a 48,684 resident town: where referrals originate, and what staff cost.
Nearby California towns
Questions from Los Banos
01How many providers practice in Los Banos, and in what?
Across 20 fields, Los Banos carries 128 enumerated clinicians, 26.3 per 10,000 of the 48,684 people living here. The concentration is in physical, occupational, and speech therapy, 25 of the total, then primary care and family medicine at 23. Count practices from that only with care.
02Why does Merced County show so little SBA activity?
Merced 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. 75 lending establishments operate locally.
03What does Merced County's shortage designation change?
Merced County holds a HRSA designation covering primary care, dental, mental health. A pro forma for Los Banos can cite it as the reason a vacancy is fillable, which is usually the weakest line in a ramp schedule.
04How does the hospital in Los Banos affect a practice file?
A Medicare-certified hospital operates in the town, which gives referral flow, a call schedule, and a clinical labor pool a funder can verify. 3 Medicare-certified providers are located here in total. It also sets the wage floor behind every hire in a 26.3 per 10,000 market.
05Which fields carry the volume in Los Banos?
The 20 enumerated fields are led by physical, occupational, and speech therapy at 25, with primary care and family medicine at 23 behind it. Those two counts double as the competition you are entering and the bench you would hire from.
06How many Medicare-certified providers are based in Los Banos?
The town carries 3 Medicare-certified providers. On a receivables request that number sets the expected collection lag, which is priced before anything about the practice itself is read.
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.