California micro-market
Healthcare practice financing in Marysville, California
Direct answer
Yuba County carries 0 SBA healthcare approvals worth $0, and inside Marysville the census shows 148 enumerated clinicians against 12,714 residents, 116.4 per 10,000, 21 percent of them in physical, occupational, and speech therapy. Yuba City, CA lies 4 miles away.
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- Population: 12,714 residents (10K-25K band)1
- Healthcare providers registered here: 148 across 22 fields2
- Median household income: $58,1503
- Largest provider field: Physical, occupational, and speech therapy: 31 registered providers2
- Medicare-certified providers in town: 3 across 3 categories4
- Nearest metro: Yuba City, CA, 4 miles1
Who is enumerated in Marysville
116.4 providers per 10,000 residents is what 148 enumerations across 22 fields works out to in a town of 12,714
| Practice type | Count | Rate per 10,000 residents | Published by |
|---|---|---|---|
| Physical, occupational, and speech therapy | 31 | 24.4 | NPPES [2] |
| Behavioral and mental health group practices | 29 | 22.8 | NPPES [2] |
| Specialty physician groups | 17 | 13.4 | NPPES [2] |
| Primary care and family medicine | 16 | 12.6 | NPPES [2] |
| Optometry and ophthalmology | 11 | 8.7 | NPPES [2] |
| Chiropractic | 7 | 5.5 | NPPES [2] |
| Independent pharmacy | 6 | 4.7 | NPPES [2] |
| DME and HME suppliers | 4 | 3.1 | NPPES [2] |
| Home health | 4 | 3.1 | NPPES [2] |
| General dentistry | 4 | 3.1 | NPPES [2] |
| SUD treatment and residential | 3 | 2.4 | NPPES [2] |
| Non-medical home care | 2 | 1.6 | NPPES [2] |
| ABA and autism therapy | 2 | 1.6 | NPPES [2] |
| Hospice and palliative | 2 | 1.6 | NPPES [2] |
| Telehealth and virtual clinics | 2 | 1.6 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 2 | 1.6 | NPPES [2] |
| Podiatry | 1 | 0.8 | NPPES [2] |
| Med spa and aesthetics | 1 | 0.8 | NPPES [2] |
| Clinical research sites | 1 | 0.8 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 1 | 0.8 | NPPES [2] |
| Dialysis and infusion centers | 1 | 0.8 | NPPES [2] |
| Occupational health and drug testing | 1 | 0.8 | NPPES [2] |
| Medical equipment suppliers | 6 | CMS [4] | |
| Hospice providers | 1 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] | |
| Home health agencies | 1 | CMS [4] |
Several of the 31 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 Marysville
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 |
|---|---|---|
| SBA healthcare approvals | 0 | One published fiscal year, healthcare borrowers only [5] |
| Approved dollars | $0 | Approved, not disbursed, and not net of withdrawals [5] |
| Average approval | No approvals recorded | A mean, so one large approval moves it [5] |
| Lending establishments in the county | 13 | Credit intermediation offices sited in the county [6] |
What the two tables above change about a file
A file from here opens on 116.4 providers per 10,000 residents, and everything about volume follows from it. Yuba County has 0 approvals to compare against, so plan for extra appraisal time and a conservative valuation. A $58,150 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
- Working capital term loan
- Startup and de novo
- Expansion, relocation, and build-out
- Equipment financing and leasing
The order comes from Marysville's own provider mix, which physical, occupational, and speech therapy dominates at 21 percent. What a partner can actually place in California is a separate question.
Underwriting by field in Marysville
Drawn from the fields that actually practice here: physical, occupational, and speech therapy, behavioral and mental health group practices, specialty physician groups
| Practice type | The pages that decide it | Typical capital event |
|---|---|---|
| Physical, occupational, and speech therapy (31) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Behavioral and mental health group practices (29) | Clinician retention and productivity, Payer mix and Medicaid concentration, Re-authorization and session limit exposure | Working capital through the credentialing lag |
| Specialty physician groups (17) | Ancillary revenue contribution, Provider productivity, Payer contracts | Ancillary build-out |
Counts in the first column are Marysville providers from NPPES. The other two columns describe how funders read that field across markets like Marysville, not what any funder will do with your file.
Marysville against nearby California markets
Comparables travel. These are the California towns whose density, at 116.4 per 10,000 here, gets weighed beside this one.
| Comparable | People | Enumerations | Per 10,000 residents | Miles |
|---|---|---|---|---|
| Marysville (current) | 12,714 | 148 | 116.4 | |
| Oroville | 19,712 | 207 | 105.0 | 24 |
| Lincoln | 56,268 | 170 | 30.2 | 25 |
| Grass Valley | 14,085 | 497 | 352.9 | 29 |
| Rocklin | 75,129 | 517 | 68.8 | 30 |
| Auburn | 13,780 | 475 | 344.7 | 32 |
| Woodland | 62,983 | 372 | 59.1 | 34 |
How Marysville sits against the nearest metro
Distance to Yuba City, CA is 4 miles. Appraisers borrow Yuba City, CA rents, and the 12,714 residents set the ceiling on collections. At $58,150 median household income, the elective and cash-pay share of a projection is the line that gets tested first. Hospital coverage inside Marysville means a call schedule can be evidenced rather than described. A college in Marysville puts a term-shaped curve into monthly collections. Marysville is the Yuba County seat, so county employment steadies the payer mix.
Other California markets
What owners in Marysville ask
01How many providers practice in Marysville, and in what?
NPPES lists 148 providers at a Marysville practice address, 116.4 per 10,000 residents across 22 tracked fields. Physical, occupational, and speech therapy accounts for 31 of them, 21 percent of the total, with behavioral and mental health group practices next at 29. Read that as clinicians: 148 enumerations, not 148 owners.
02What does Yuba County's shortage designation change?
The primary care, dental, mental health designation HRSA carries on Yuba County is a recruiting instrument: it puts repayment incentives in front of candidates, which is how a hiring plan for 12,714 residents gets past the question of who would take the job.
03Why does Yuba County show so little SBA activity?
The published file records 0 7(a) and 504 approvals to healthcare borrowers in Yuba County. That tracks how few Yuba County practices changed hands that year, not credit quality. 13 credit intermediation establishments operate in Yuba County, so the lending capacity is local even where the healthcare history is not.
04Is Marysville underwritten as part of Yuba City, CA?
Partly. Yuba City, CA is 4 miles out, so rent and equipment comparables travel in from there while patients still come from the 12,714 residents around Marysville. Cost side metro, revenue side local.
05How does the hospital in Marysville affect a practice file?
It makes the staffing and referral lines checkable. 3 Medicare-certified providers hold Marysville addresses, and the hospital sets the wage a clinical hire is bid against in a 116.4 per 10,000 market.
06What does a $58,150 median income mean for case acceptance?
Median household income in Marysville runs $58,150. On elective and cash-pay work that is the number a funder converts into case acceptance, and it sets how much of a treatment plan a projection can assume gets started rather than deferred.
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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