California micro-market
Healthcare practice financing in Madera, California
Direct answer
Madera County carries 2 SBA healthcare approvals worth $435,500, and inside Madera the census shows 421 enumerated clinicians against 69,094 residents, 60.9 per 10,000, 22 percent of them in aba and autism therapy. Fresno, CA lies 21 miles away.
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- Population: 69,094 residents (50K-100K band)1
- Healthcare providers registered here: 421 across 31 fields2
- Median household income: $63,6193
- Largest provider field: ABA and autism therapy: 94 registered providers2
- Medicare-certified providers in town: 5 across 3 categories4
- Nearest metro: Fresno, CA, 21 miles1
The clinical base a lender can verify here
The NPPES file puts 421 enumerated clinicians inside Madera, spread over 31 fields at 60.9 per 10,000 residents
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| ABA and autism therapy | 94 | 13.6 | NPPES [2] |
| Physical, occupational, and speech therapy | 92 | 13.3 | NPPES [2] |
| General dentistry | 49 | 7.1 | NPPES [2] |
| Specialty physician groups | 30 | 4.3 | NPPES [2] |
| Primary care and family medicine | 26 | 3.8 | NPPES [2] |
| DME and HME suppliers | 13 | 1.9 | NPPES [2] |
| Optometry and ophthalmology | 13 | 1.9 | NPPES [2] |
| Chiropractic | 11 | 1.6 | NPPES [2] |
| Audiology and hearing centers | 11 | 1.6 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 11 | 1.6 | NPPES [2] |
| Behavioral and mental health group practices | 10 | 1.4 | NPPES [2] |
| Independent pharmacy | 9 | 1.3 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 7 | 1.0 | NPPES [2] |
| Dental specialties | 5 | 0.7 | NPPES [2] |
| Urgent care | 4 | 0.6 | NPPES [2] |
| Plastic and cosmetic surgery | 4 | 0.6 | NPPES [2] |
| Dialysis and infusion centers | 4 | 0.6 | NPPES [2] |
| Podiatry | 3 | 0.4 | NPPES [2] |
| Home health | 3 | 0.4 | NPPES [2] |
| ASCs and OBLs | 3 | 0.4 | NPPES [2] |
| Non-medical home care | 3 | 0.4 | NPPES [2] |
| Dermatology | 2 | 0.3 | NPPES [2] |
| SUD treatment and residential | 2 | 0.3 | NPPES [2] |
| Hospice and palliative | 2 | 0.3 | NPPES [2] |
| Clinical and toxicology labs | 2 | 0.3 | NPPES [2] |
| Telehealth and virtual clinics | 2 | 0.3 | NPPES [2] |
| Occupational health and drug testing | 2 | 0.3 | NPPES [2] |
| Fertility and IVF | 1 | 0.1 | NPPES [2] |
| NEMT and ambulance | 1 | 0.1 | NPPES [2] |
| Med spa and aesthetics | 1 | 0.1 | NPPES [2] |
| Clinical research sites | 1 | 0.1 | NPPES [2] |
| Medical equipment suppliers | 7 | CMS [4] | |
| Dialysis facilities | 3 | CMS [4] | |
| Ambulatory surgical centers | 1 | CMS [4] | |
| Home health agencies | 1 | CMS [4] |
Several of the 94 aba and autism therapy enumerations can belong to one practice, so the column counts clinicians rather than businesses or owners
Madera County approvals, dollars, and lending establishments
The county file holds 2 healthcare approvals, which is a thin comparable set for anyone pricing collateral
| Measure | Published figure | What sits behind it |
|---|---|---|
| Healthcare files approved | 2 | Counted for the fiscal year the SBA publishes [5] |
| Dollars behind them | $435,500 | Everything approved to healthcare borrowers, added up [5] |
| Typical approval size | $217,750 | The dollar column over the approval column [5] |
| Credit offices operating locally | 43 | Places that write credit locally, NAICS 522 [6] |
Reading Madera the way a credit committee does
60.9 per 10,000 is the first number a credit analyst converts into a realistic new-patient count. Madera County has 2 approvals to compare against, so plan for extra appraisal time and a conservative valuation. A $63,619 median household income here sets the ceiling on what an elective or cash-pay line can be expected to carry.
The programs this provider mix points at
- Practice acquisition
- Startup and de novo
- Working capital term loan
- Expansion, relocation, and build-out
- Equipment financing and leasing
Ranked from the 31 fields that actually practice in Madera, weighted toward aba and autism therapy. Availability still depends on California and on the funding partner.
Underwriting by field in Madera
What a funder opens first depends on the field. In Madera that means aba and autism therapy, physical, occupational, and speech therapy, general dentistry.
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| ABA and autism therapy (94) | Authorized hours against delivered hours, Payer mix stability, Billing compliance history | Working capital against authorization and billing lag |
| Physical, occupational, and speech therapy (92) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| General dentistry (49) | 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.
Madera against nearby California markets
60.9 per 10,000 is the figure a neighboring town gets compared against when an appraiser prices Madera
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Madera (current) | 69,094 | 421 | 60.9 | |
| Chowchilla | 19,191 | 50 | 26.1 | 13 |
| Kerman | 17,497 | 39 | 22.3 | 17 |
| Mendota | 12,623 | 19 | 15.1 | 22 |
| Merced | 96,073 | 704 | 73.3 | 32 |
| Sanger | 26,649 | 93 | 34.9 | 34 |
| Selma | 24,505 | 135 | 55.1 | 38 |
Distance, income, and the wage floor around Madera
Fresno, CA lies 21 miles from Madera, close enough that appraisers price the lease against Fresno, CA rents while 69,094 residents set the revenue ceiling. At $63,619 median household income, the elective and cash-pay share of a projection is the line that gets tested first. Hospital coverage inside Madera means a call schedule can be evidenced rather than described. Higher education here explains why summer looks unlike the rest of the year. Madera is the Madera County seat, so county employment steadies the payer mix.
Nearby California towns
What owners in Madera ask
01How many providers practice in Madera, and in what?
Across 31 fields, Madera carries 421 enumerated clinicians, 60.9 per 10,000 of the 69,094 people living here. The concentration is in aba and autism therapy, 94 of the total, then physical, occupational, and speech therapy at 92. Count practices from that only with care.
02What does Madera County's shortage designation change?
The primary care, dental, mental health designation HRSA carries on Madera County is a recruiting instrument: it puts repayment incentives in front of candidates, which is how a hiring plan for 69,094 residents gets past the question of who would take the job.
03Why does Madera County show so little SBA activity?
Madera County shows 2 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. 43 lending establishments operate locally.
04Which fields carry the volume in Madera?
ABA and autism therapy at 94 providers and physical, occupational, and speech therapy at 92 lead the 31 fields enumerated here. A funder reads that mix as the local competition set and the local hiring pool at once, before it reads a single line of your own numbers.
05Is Madera underwritten as part of Fresno, CA?
Partly. Fresno, CA is 21 miles out, so rent and equipment comparables travel in from there while patients still come from the 69,094 residents around Madera. Cost side metro, revenue side local.
06How does the hospital in Madera 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. 5 Medicare-certified providers are located here in total. It also sets the wage floor behind every hire in a 60.9 per 10,000 market.
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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