California micro-market
Healthcare practice financing in Oakdale, California
Direct answer
23,209 residents, 89 enumerated clinicians, 38.3 per 10,000, 13 percent of them in specialty physician groups: that is the Oakdale market a funder prices. Stanislaus County adds 10 healthcare approvals worth $7,212,200 and 12 miles of distance to Modesto, CA.
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- Population: 23,209 residents (10K-25K band)1
- Healthcare providers registered here: 89 across 20 fields2
- Median household income: $86,4783
- Largest provider field: Specialty physician groups: 12 registered providers2
- Medicare-certified providers in town: 1 across 1 categories4
- Nearest metro: Modesto, CA, 12 miles1
Oakdale clinicians, by field
The NPPES file puts 89 enumerated clinicians inside Oakdale, spread over 20 fields at 38.3 per 10,000 residents
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Specialty physician groups | 12 | 5.2 | NPPES [2] |
| Physical, occupational, and speech therapy | 12 | 5.2 | NPPES [2] |
| Chiropractic | 11 | 4.7 | NPPES [2] |
| Primary care and family medicine | 11 | 4.7 | NPPES [2] |
| Optometry and ophthalmology | 10 | 4.3 | NPPES [2] |
| General dentistry | 7 | 3.0 | NPPES [2] |
| Independent pharmacy | 4 | 1.7 | NPPES [2] |
| ABA and autism therapy | 4 | 1.7 | NPPES [2] |
| DME and HME suppliers | 3 | 1.3 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 3 | 1.3 | NPPES [2] |
| Dermatology | 2 | 0.9 | NPPES [2] |
| NEMT and ambulance | 2 | 0.9 | NPPES [2] |
| Home health | 1 | 0.4 | NPPES [2] |
| Urgent care | 1 | 0.4 | NPPES [2] |
| Non-medical home care | 1 | 0.4 | NPPES [2] |
| Behavioral and mental health group practices | 1 | 0.4 | NPPES [2] |
| Clinical and toxicology labs | 1 | 0.4 | NPPES [2] |
| Dialysis and infusion centers | 1 | 0.4 | NPPES [2] |
| Telehealth and virtual clinics | 1 | 0.4 | NPPES [2] |
| Occupational health and drug testing | 1 | 0.4 | NPPES [2] |
| Medical equipment suppliers | 2 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] |
A single Oakdale practice can hold more than one of these numbers. 13 percent sit in specialty physician groups, counted as clinicians rather than as owners.
What lenders have already approved in Stanislaus County
Lenders in Stanislaus County have already closed 10 healthcare approvals, averaging $721,220, which is the size a new file gets read beside
| Line | Amount | Reading and source |
|---|---|---|
| Healthcare files approved | 10 | Fiscal year published in the SBA file [5] |
| Dollars behind them | $7,212,200 | Sum of approvals to healthcare borrowers [5] |
| Typical approval size | $721,220 | Dollars divided by approvals [5] |
| Credit offices operating locally | 224 | Credit intermediation establishments, NAICS 522 [6] |
What the two tables above change about a file
Underwriting starts with 38.3 providers per 10,000 residents, because that ratio caps how fast a chair or a room fills. Because Stanislaus County already carries $7,212,200 across 10 healthcare approvals, a request near that average moves faster than one well above it. Household income of $86,478 in Oakdale is the number a lender uses to sanity check the self-pay share of a revenue projection.
Programs the Oakdale mix reaches for
- Practice acquisition
- Startup and de novo
- Expansion, relocation, and build-out
- Equipment financing and leasing
- Working capital term loan
The order comes from Oakdale's own provider mix, which specialty physician groups dominates at 13 percent. What a partner can actually place in California is a separate question.
Underwriting by field in Oakdale
What a funder opens first depends on the field. In Oakdale that means specialty physician groups, physical, occupational, and speech therapy, chiropractic.
| Field | What the file turns on | The capital event behind most requests |
|---|---|---|
| Specialty physician groups (12) | Ancillary revenue contribution, Provider productivity, Payer contracts | Ancillary build-out |
| Physical, occupational, and speech therapy (12) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Chiropractic (11) | Cash plan revenue, Personal injury receivable age, Visit volume | Startup or acquisition |
Counts in the first column are Oakdale providers from NPPES. The other two columns describe how funders read that field across markets like Oakdale, not what any funder will do with your file.
How Oakdale prices against its neighbors
Density is the number that moves an appraisal: 38.3 per 10,000 here
| Comparable | People | Enumerations | Per 10,000 residents | Miles |
|---|---|---|---|---|
| Oakdale (current) | 23,209 | 89 | 38.3 | |
| Riverbank | 25,625 | 71 | 27.7 | 6 |
| Ceres | 49,253 | 87 | 17.7 | 13 |
| Ripon | 16,252 | 49 | 30.2 | 16 |
| Turlock | 72,888 | 405 | 55.6 | 18 |
| Manteca | 94,292 | 357 | 37.9 | 21 |
| Patterson | 25,495 | 64 | 25.1 | 26 |
Distance, income, and the wage floor around Oakdale
Modesto, CA lies 12 miles from Oakdale, close enough that appraisers price the lease against Modesto, CA rents while 23,209 residents set the revenue ceiling. Households here carry $86,478 in median income, and that ceiling decides how much of a treatment plan gets started rather than deferred. A Medicare-certified hospital operates here, so referral flow is verifiable and the clinical wage floor is already set.
Nearby California towns
Questions from Oakdale
01How many providers practice in Oakdale, and in what?
89 enumerations sit at Oakdale addresses in the monthly NPPES file, working out to 38.3 for every 10,000 residents. 13 percent of them are specialty physician groups, and physical, occupational, and speech therapy follows with 12. An enumeration is a clinician, so the 89 here cover fewer than 89 practices.
02What does Stanislaus County's shortage designation change?
Designated for primary care, dental, mental health, Stanislaus County qualifies its clinicians for federal repayment support. On a file that turns on adding staff, that is the difference between a hiring assumption and a hiring plan.
03How does the hospital in Oakdale affect a practice file?
Referral flow, coverage, and the local pay scale all trace back to it. The town carries 1 Medicare-certified providers in total. A Oakdale projection that names the call arrangement reads better than one that assumes it.
04Is Oakdale underwritten as part of Modesto, CA?
Partly. Modesto, CA is 12 miles out, so rent and equipment comparables travel in from there while patients still come from the 23,209 residents around Oakdale. Cost side metro, revenue side local.
05What does SBA lending look like around Oakdale?
Healthcare borrowers in Stanislaus County took 10 approvals worth $7,212,200 in the published fiscal year, averaging $721,220. That is the comparable set an appraiser near Oakdale reaches for first.
06Is there local lending capacity in Stanislaus County?
County Business Patterns records 224 credit intermediation establishments in Stanislaus County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Oakdale rents and resale before or by somebody working from a screen.
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
Our team reviews every request within 1 business day. If a funding partner thinks they can help, a specialist from that partner contacts you to discuss next steps.