California micro-market
Healthcare practice financing in Marina, California
Direct answer
Density decides a lot here. Marina runs 53.4 providers per 10,000 residents, 123 clinicians against 23,047 people, 20 percent of them in aba and autism therapy, while Monterey County lenders have approved 5 healthcare files worth $3,781,000 and the nearest metro is 9 miles out.
A location page indicates that Practition Finance is taking clients in that market. It does not represent a physical office, storefront, or licensed presence in that city or state. All services are delivered remotely by our US-based team. California rules, and what happens to an inquiry raised from a California address, are set out on the California page.
- Population: 23,047 residents (10K-25K band)1
- Healthcare providers registered here: 123 across 17 fields2
- Median household income: $88,5183
- Largest provider field: ABA and autism therapy: 25 registered providers2
- Medicare-certified providers in town: 1 across 1 categories4
- Nearest metro: Salinas, CA, 9 miles1
Fields practicing inside Marina
The NPPES file puts 123 enumerated clinicians inside Marina, spread over 17 fields at 53.4 per 10,000 residents
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| ABA and autism therapy | 25 | 10.8 | NPPES [2] |
| Primary care and family medicine | 22 | 9.5 | NPPES [2] |
| Behavioral and mental health group practices | 22 | 9.5 | NPPES [2] |
| Physical, occupational, and speech therapy | 14 | 6.1 | NPPES [2] |
| General dentistry | 11 | 4.8 | NPPES [2] |
| Chiropractic | 6 | 2.6 | NPPES [2] |
| DME and HME suppliers | 4 | 1.7 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 4 | 1.7 | NPPES [2] |
| Optometry and ophthalmology | 4 | 1.7 | NPPES [2] |
| Audiology and hearing centers | 3 | 1.3 | NPPES [2] |
| Clinical research sites | 2 | 0.9 | NPPES [2] |
| Home health | 1 | 0.4 | NPPES [2] |
| Dental specialties | 1 | 0.4 | NPPES [2] |
| Independent pharmacy | 1 | 0.4 | NPPES [2] |
| Specialty physician groups | 1 | 0.4 | NPPES [2] |
| Dialysis and infusion centers | 1 | 0.4 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 1 | 0.4 | NPPES [2] |
| Medical equipment suppliers | 5 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] |
A single Marina practice can hold more than one of these numbers. 20 percent sit in aba and autism therapy, counted as clinicians rather than as owners.
The lending record behind Marina
The county file holds 5 healthcare approvals, which is a thin comparable set for anyone pricing collateral
| Line | Amount | Reading and source |
|---|---|---|
| Approvals on record | 5 | Counted for the fiscal year the SBA publishes [5] |
| Total approved capital | $3,781,000 | Everything approved to healthcare borrowers, added up [5] |
| Mean deal size | $756,200 | The dollar column over the approval column [5] |
| Lenders sited in the county | 146 | Places that write credit locally, NAICS 522 [6] |
The consequence of these numbers
The ratio that matters up front is 53.4 per 10,000, which decides whether a ramp schedule reads as conservative. A short county record of 5 approvals usually means more documentation and a lower advance against the same collateral. A $88,518 median household income here sets the ceiling on what an elective or cash-pay line can be expected to carry.
Programs the Marina mix reaches for
- Practice acquisition
- Working capital term loan
- Expansion, relocation, and build-out
- Startup and de novo
- Equipment financing and leasing
Built from what is enumerated here rather than from a national list, so a field with no presence in Marina does not appear. Availability is still a California question.
Underwriting by field in Marina
aba and autism therapy, primary care and family medicine, behavioral and mental health group practices account for most of what is enumerated in Marina, so those are the files funders see from this town
| Practice type | The pages that decide it | Typical capital event |
|---|---|---|
| ABA and autism therapy (25) | Authorized hours against delivered hours, Payer mix stability, Billing compliance history | Working capital against authorization and billing lag |
| Primary care and family medicine (22) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| Behavioral and mental health group practices (22) | Clinician retention and productivity, Payer mix and Medicaid concentration, Re-authorization and session limit exposure | Working capital through the credentialing lag |
Column one counts Marina clinicians from the federal file. Columns two and three describe how the field is usually underwritten, and a partner can read a Marina file differently.
Marina against nearby California markets
The neighboring markets below are the ones a valuation borrows from when Marina has too few sales of its own
| Comparable | People | Enumerations | Per 10,000 residents | Miles |
|---|---|---|---|---|
| Marina (current) | 23,047 | 123 | 53.4 | |
| Seaside | 31,524 | 77 | 24.4 | 4 |
| Monterey | 29,015 | 849 | 292.6 | 8 |
| Pacific Grove | 14,851 | 101 | 68.0 | 9 |
| Watsonville | 51,320 | 341 | 66.4 | 17 |
| Santa Cruz | 62,581 | 1,003 | 160.3 | 24 |
| Gilroy | 60,390 | 487 | 80.6 | 25 |
What the geography does to a Marina projection
9 miles separate Marina from Salinas, CA. Lease pricing follows Salinas, CA, while revenue stays capped by the 23,047 residents here. Households here carry $88,518 in median income, and that ceiling decides how much of a treatment plan gets started rather than deferred. No hospital operates here, so the referral sources and the call arrangement have to be named rather than assumed.
Nearby California towns
- Seaside 31,524 residents
- Monterey 29,015 residents
- Pacific Grove 14,851 residents
- Watsonville 51,320 residents
- Santa Cruz 62,581 residents
- Gilroy 60,390 residents
Marina owners, answered
01How many providers practice in Marina, and in what?
NPPES lists 123 providers at a Marina practice address, 53.4 per 10,000 residents across 17 tracked fields. ABA and autism therapy accounts for 25 of them, 20 percent of the total, with primary care and family medicine next at 22. Read that as clinicians: 123 enumerations, not 123 owners.
02Why does Monterey County show so little SBA activity?
Monterey County shows 5 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. 146 lending establishments operate locally.
03Is Marina underwritten as part of Salinas, CA?
Comparables and demand split at 9 miles. An appraiser prices the lease and the equipment off Salinas, CA; the revenue line has to hold up against 23,047 local residents.
04What does Monterey County's shortage designation change?
HRSA designates Monterey County for primary care, dental, mental health. That opens loan repayment programs for clinicians recruited into Marina and evidences a staffing ramp in a 23,047 resident market.
05Which fields carry the volume in Marina?
ABA and autism therapy at 25 providers and primary care and family medicine at 22 lead the 17 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.
06How many Medicare-certified providers are based in Marina?
1 Medicare-certified providers hold an address in the town across the Care Compare categories. Certified volume this close matters on a working-capital file, because it shows the payer-mix and the reimbursement lag a funder will price into a 23,047 resident 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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