California micro-market
Healthcare practice financing in Monrovia, California
Direct answer
Density decides a lot here. Monrovia runs 93.4 providers per 10,000 residents, 353 clinicians against 37,787 people, 34 percent of them in aba and autism therapy, while Los Angeles County lenders have approved 298 healthcare files worth $229,015,900 and the nearest metro is 26 miles out.
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- Population: 37,787 residents (25K-50K band)1
- Healthcare providers registered here: 353 across 24 fields2
- Median household income: $97,0833
- Largest provider field: ABA and autism therapy: 119 registered providers2
- Medicare-certified providers in town: 4 across 3 categories4
- Nearest metro: Los Angeles-Long Beach-Anaheim, CA, 26 miles1
Who is enumerated in Monrovia
The NPPES file puts 353 enumerated clinicians inside Monrovia, spread over 24 fields at 93.4 per 10,000 residents
| Practice type | Count | Rate per 10,000 residents | Published by |
|---|---|---|---|
| ABA and autism therapy | 119 | 31.5 | NPPES [2] |
| Physical, occupational, and speech therapy | 79 | 20.9 | NPPES [2] |
| Optometry and ophthalmology | 24 | 6.4 | NPPES [2] |
| General dentistry | 19 | 5.0 | NPPES [2] |
| Chiropractic | 14 | 3.7 | NPPES [2] |
| Primary care and family medicine | 13 | 3.4 | NPPES [2] |
| Behavioral and mental health group practices | 12 | 3.2 | NPPES [2] |
| DME and HME suppliers | 11 | 2.9 | NPPES [2] |
| Clinical and toxicology labs | 10 | 2.6 | NPPES [2] |
| Specialty physician groups | 8 | 2.1 | NPPES [2] |
| Home health | 7 | 1.9 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 7 | 1.9 | NPPES [2] |
| Dental specialties | 5 | 1.3 | NPPES [2] |
| Non-medical home care | 5 | 1.3 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 3 | 0.8 | NPPES [2] |
| Dialysis and infusion centers | 3 | 0.8 | NPPES [2] |
| Podiatry | 2 | 0.5 | NPPES [2] |
| NEMT and ambulance | 2 | 0.5 | NPPES [2] |
| Independent pharmacy | 2 | 0.5 | NPPES [2] |
| Hospice and palliative | 2 | 0.5 | NPPES [2] |
| Med spa and aesthetics | 2 | 0.5 | NPPES [2] |
| Telehealth and virtual clinics | 2 | 0.5 | NPPES [2] |
| SUD treatment and residential | 1 | 0.3 | NPPES [2] |
| Clinical research sites | 1 | 0.3 | NPPES [2] |
| Medical equipment suppliers | 5 | CMS [4] | |
| Dialysis facilities | 2 | CMS [4] | |
| Hospice providers | 1 | CMS [4] | |
| Home health agencies | 1 | CMS [4] |
Several of the 119 aba and autism therapy enumerations can belong to one practice, so the column counts clinicians rather than businesses or owners
What lenders have already approved in Los Angeles County
The published file shows 298 healthcare approvals in Los Angeles County, $229,015,900 in total, and that history is what an appraiser and a credit committee reach for
| Measure | Published figure | What sits behind it |
|---|---|---|
| Approvals on record | 298 | Counted for the fiscal year the SBA publishes [5] |
| Total approved capital | $229,015,900 | Everything approved to healthcare borrowers, added up [5] |
| Mean deal size | $768,510 | The dollar column over the approval column [5] |
| Lenders sited in the county | 4,689 | Places that write credit locally, NAICS 522 [6] |
How this data lands in an underwriting decision
The ratio that matters up front is 93.4 per 10,000, which decides whether a ramp schedule reads as conservative. A request measured against 298 prior Los Angeles County approvals is priced on precedent, which shortens the questions about valuation. With $97,083 as the median household income, the payer mix in a projection has to match what Monrovia households actually spend.
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 Monrovia's own provider mix, which aba and autism therapy dominates at 34 percent. What a partner can actually place in California is a separate question.
The first pages of a Monrovia file
Drawn from the fields that actually practice here: aba and autism therapy, physical, occupational, and speech therapy, optometry and ophthalmology
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| ABA and autism therapy (119) | Authorized hours against delivered hours, Payer mix stability, Billing compliance history | Working capital against authorization and billing lag |
| Physical, occupational, and speech therapy (79) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Optometry and ophthalmology (24) | Exam volume and optical capture, Vision plan mix, Inventory turns | Cold start or acquisition |
The first column is Monrovia's own NPPES count. The rest is how the field is generally underwritten, whether the address is Monrovia or anywhere else.
Density beside the neighboring California towns
The neighboring markets below are the ones a valuation borrows from when Monrovia has too few sales of its own
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Monrovia (current) | 37,787 | 353 | 93.4 | |
| Duarte | 23,493 | 319 | 135.8 | 2 |
| Azusa | 48,383 | 135 | 27.9 | 4 |
| Sierra Madre | 10,775 | 76 | 70.5 | 4 |
| Baldwin Park | 69,247 | 405 | 58.5 | 6 |
| Covina | 49,245 | 773 | 157.0 | 8 |
| Glendora | 50,101 | 461 | 92.0 | 8 |
What the geography does to a Monrovia projection
26 miles separate Monrovia from Los Angeles-Long Beach-Anaheim, CA. Rent comparables cross that gap; patients mostly do not. At $97,083 median household income, the elective and cash-pay share of a projection is the line that gets tested first. Referral flow comes from outside Monrovia, which a projection needs to state plainly.
More of California
- Duarte 23,493 residents
- Azusa 48,383 residents
- Sierra Madre 10,775 residents
- Baldwin Park 69,247 residents
- Covina 49,245 residents
- Glendora 50,101 residents
Questions from Monrovia
01How many providers practice in Monrovia, and in what?
NPPES lists 353 providers at a Monrovia practice address, 93.4 per 10,000 residents across 24 tracked fields. ABA and autism therapy accounts for 119 of them, 34 percent of the total, with physical, occupational, and speech therapy next at 79. Read that as clinicians: 353 enumerations, not 353 owners.
02What does SBA lending look like around Monrovia?
The county file behind Monrovia holds 298 healthcare approvals totaling $229,015,900, an average of $768,510. Those are the loan sizes lenders in Los Angeles County have already carried.
03Which fields carry the volume in Monrovia?
Volume concentrates in aba and autism therapy, 119 of them, ahead of physical, occupational, and speech therapy at 79, across 24 fields. A thin second field usually means a longer search for staff than a pro forma allows for.
04What does a $97,083 median income mean for case acceptance?
Median household income in Monrovia runs $97,083. 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.
05What does Los Angeles County's shortage designation change?
Los Angeles County holds a HRSA designation covering primary care, dental, mental health. A pro forma for Monrovia can cite it as the reason a vacancy is fillable, which is usually the weakest line in a ramp schedule.
06Is Monrovia underwritten as part of Los Angeles-Long Beach-Anaheim, CA?
Partly. Los Angeles-Long Beach-Anaheim, CA is 26 miles out, so rent and equipment comparables travel in from there while patients still come from the 37,787 residents around Monrovia. Cost side metro, revenue side local.
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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