California micro-market
Healthcare practice financing in Manteca, California
Direct answer
Density decides a lot here. Manteca runs 37.9 providers per 10,000 residents, 357 clinicians against 94,292 people, 17 percent of them in physical, occupational, and speech therapy, while San Joaquin County lenders have approved 12 healthcare files worth $5,490,000 and the nearest metro is 14 miles out.
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- Population: 94,292 residents (50K-100K band)1
- Healthcare providers registered here: 357 across 31 fields2
- Median household income: $94,7183
- Largest provider field: Physical, occupational, and speech therapy: 59 registered providers2
- Medicare-certified providers in town: 6 across 4 categories4
- Nearest metro: Stockton-Lodi, CA, 14 miles1
Manteca clinicians, by field
The NPPES file puts 357 enumerated clinicians inside Manteca, spread over 31 fields at 37.9 per 10,000 residents
| Practice type | Count | Rate per 10,000 residents | Published by |
|---|---|---|---|
| Physical, occupational, and speech therapy | 59 | 6.3 | NPPES [2] |
| General dentistry | 39 | 4.1 | NPPES [2] |
| ABA and autism therapy | 39 | 4.1 | NPPES [2] |
| Specialty physician groups | 32 | 3.4 | NPPES [2] |
| Primary care and family medicine | 31 | 3.3 | NPPES [2] |
| Behavioral and mental health group practices | 22 | 2.3 | NPPES [2] |
| Chiropractic | 16 | 1.7 | NPPES [2] |
| Optometry and ophthalmology | 16 | 1.7 | NPPES [2] |
| Dental specialties | 14 | 1.5 | NPPES [2] |
| DME and HME suppliers | 13 | 1.4 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 12 | 1.3 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 12 | 1.3 | NPPES [2] |
| Independent pharmacy | 10 | 1.1 | NPPES [2] |
| Podiatry | 5 | 0.5 | NPPES [2] |
| Home health | 5 | 0.5 | NPPES [2] |
| Telehealth and virtual clinics | 5 | 0.5 | NPPES [2] |
| Dermatology | 3 | 0.3 | NPPES [2] |
| ASCs and OBLs | 3 | 0.3 | NPPES [2] |
| Hospice and palliative | 3 | 0.3 | NPPES [2] |
| Med spa and aesthetics | 3 | 0.3 | NPPES [2] |
| Dialysis and infusion centers | 3 | 0.3 | NPPES [2] |
| SUD treatment and residential | 2 | 0.2 | NPPES [2] |
| Clinical and toxicology labs | 2 | 0.2 | NPPES [2] |
| Urgent care | 1 | 0.1 | NPPES [2] |
| Pain management and interventional | 1 | 0.1 | NPPES [2] |
| NEMT and ambulance | 1 | 0.1 | NPPES [2] |
| Audiology and hearing centers | 1 | 0.1 | NPPES [2] |
| Non-medical home care | 1 | 0.1 | NPPES [2] |
| Clinical research sites | 1 | 0.1 | NPPES [2] |
| Hormone, TRT, and men's health clinics | 1 | 0.1 | NPPES [2] |
| Occupational health and drug testing | 1 | 0.1 | NPPES [2] |
| Medical equipment suppliers | 8 | CMS [4] | |
| Dialysis facilities | 3 | CMS [4] | |
| Ambulatory surgical centers | 1 | CMS [4] | |
| Hospice providers | 1 | CMS [4] | |
| Home health agencies | 1 | CMS [4] |
A single Manteca practice can hold more than one of these numbers. 17 percent sit in physical, occupational, and speech therapy, counted as clinicians rather than as owners.
What lenders have already approved in San Joaquin County
The published file shows 12 healthcare approvals in San Joaquin County, $5,490,000 in total, and that history is what an appraiser and a credit committee reach for
| Line | Amount | Reading and source |
|---|---|---|
| Approvals on record | 12 | Fiscal year published in the SBA file [5] |
| Total approved capital | $5,490,000 | Sum of approvals to healthcare borrowers [5] |
| Mean deal size | $457,500 | Dollars divided by approvals [5] |
| Lenders sited in the county | 238 | Credit intermediation establishments, NAICS 522 [6] |
The consequence of these numbers
At 37.9 clinicians per 10,000 residents, the catchment radius in a projection has to be defended rather than assumed. A request measured against 12 prior San Joaquin County approvals is priced on precedent, which shortens the questions about valuation. With $94,718 as the median household income, the payer mix in a projection has to match what Manteca households actually spend.
Programs the Manteca mix reaches for
- Practice acquisition
- Expansion, relocation, and build-out
- Startup and de novo
- Working capital term loan
- Equipment financing and leasing
The 31 fields practicing locally set this order. A funding partner, not this list, decides what is available in California.
Underwriting by field in Manteca
Drawn from the fields that actually practice here: physical, occupational, and speech therapy, general dentistry, aba and autism therapy
| Practice type | The pages that decide it | Typical capital event |
|---|---|---|
| Physical, occupational, and speech therapy (59) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| General dentistry (39) | Three years of collections history, Hygiene as a share of collections, Overhead ratio and owner add-backs | Acquisition of an established practice |
| ABA and autism therapy (39) | Authorized hours against delivered hours, Payer mix stability, Billing compliance history | Working capital against authorization and billing lag |
The first column is Manteca's own NPPES count. The rest is how the field is generally underwritten, whether the address is Manteca or anywhere else.
How Manteca prices against its neighbors
The neighboring markets below are the ones a valuation borrows from when Manteca has too few sales of its own
| Comparable | People | Enumerations | Per 10,000 residents | Miles |
|---|---|---|---|---|
| Manteca (current) | 94,292 | 357 | 37.9 | |
| Lathrop | 40,860 | 45 | 11.0 | 5 |
| Ripon | 16,252 | 49 | 30.2 | 6 |
| Riverbank | 25,625 | 71 | 27.7 | 16 |
| Ceres | 49,253 | 87 | 17.7 | 19 |
| Oakdale | 23,209 | 89 | 38.3 | 21 |
| Patterson | 25,495 | 64 | 25.1 | 22 |
What the geography does to a Manteca projection
14 miles separate Manteca from Stockton-Lodi, CA. Lease pricing follows Stockton-Lodi, CA, while revenue stays capped by the 94,292 residents here. Households here carry $94,718 in median income, and that ceiling decides how much of a treatment plan gets started rather than deferred. Wages here are anchored by the Medicare-certified hospital in town, which is what a staffing line gets measured against.
Nearby California towns
Questions from Manteca
01How many providers practice in Manteca, and in what?
Across 31 fields, Manteca carries 357 enumerated clinicians, 37.9 per 10,000 of the 94,292 people living here. The concentration is in physical, occupational, and speech therapy, 59 of the total, then general dentistry at 39. Count practices from that only with care.
02Is Manteca underwritten as part of Stockton-Lodi, CA?
Comparables and demand split at 14 miles. An appraiser prices the lease and the equipment off Stockton-Lodi, CA; the revenue line has to hold up against 94,292 local residents.
03What does SBA lending look like around Manteca?
Healthcare borrowers in San Joaquin County took 12 approvals worth $5,490,000 in the published fiscal year, averaging $457,500. That is the comparable set an appraiser near Manteca reaches for first.
04What does San Joaquin County's shortage designation change?
HRSA designates San Joaquin County for primary care, dental, mental health. That opens loan repayment programs for clinicians recruited into Manteca and evidences a staffing ramp in a 94,292 resident market.
05How does the hospital in Manteca affect a practice file?
Referral flow, coverage, and the local pay scale all trace back to it. The town carries 6 Medicare-certified providers in total. A Manteca projection that names the call arrangement reads better than one that assumes it.
06Which fields carry the volume in Manteca?
Physical, occupational, and speech therapy at 59 providers and general dentistry at 39 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.
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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