California micro-market
Healthcare practice financing in Orinda, California
Direct answer
19,573 residents, 136 enumerated clinicians, 69.5 per 10,000, 20 percent of them in specialty physician groups: that is the Orinda market a funder prices. Contra Costa County adds 39 healthcare approvals worth $25,197,200 and 16 miles of distance to Vallejo, CA.
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- Population: 19,573 residents (10K-25K band)1
- Healthcare providers registered here: 136 across 22 fields2
- Median household income: $250,0013
- Largest provider field: Specialty physician groups: 27 registered providers2
- Medicare-certified providers in town: 2 across 2 categories4
- Nearest metro: Vallejo, CA, 16 miles1
Who is enumerated in Orinda
The NPPES file puts 136 enumerated clinicians inside Orinda, spread over 22 fields at 69.5 per 10,000 residents
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Specialty physician groups | 27 | 13.8 | NPPES [2] |
| Physical, occupational, and speech therapy | 18 | 9.2 | NPPES [2] |
| Primary care and family medicine | 12 | 6.1 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 12 | 6.1 | NPPES [2] |
| General dentistry | 9 | 4.6 | NPPES [2] |
| Chiropractic | 7 | 3.6 | NPPES [2] |
| ABA and autism therapy | 7 | 3.6 | NPPES [2] |
| Optometry and ophthalmology | 7 | 3.6 | NPPES [2] |
| Dental specialties | 6 | 3.1 | NPPES [2] |
| Dermatology | 5 | 2.6 | NPPES [2] |
| Behavioral and mental health group practices | 5 | 2.6 | NPPES [2] |
| Home health | 3 | 1.5 | NPPES [2] |
| Independent pharmacy | 3 | 1.5 | NPPES [2] |
| Hormone, TRT, and men's health clinics | 3 | 1.5 | NPPES [2] |
| DME and HME suppliers | 2 | 1.0 | NPPES [2] |
| Fertility and IVF | 2 | 1.0 | NPPES [2] |
| Non-medical home care | 2 | 1.0 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 2 | 1.0 | NPPES [2] |
| Podiatry | 1 | 0.5 | NPPES [2] |
| SUD treatment and residential | 1 | 0.5 | NPPES [2] |
| Plastic and cosmetic surgery | 1 | 0.5 | NPPES [2] |
| Occupational health and drug testing | 1 | 0.5 | NPPES [2] |
| Medical equipment suppliers | 2 | CMS [4] | |
| Hospice providers | 1 | CMS [4] | |
| Home health agencies | 1 | CMS [4] |
A single Orinda practice can hold more than one of these numbers. 20 percent sit in specialty physician groups, counted as clinicians rather than as owners.
What Contra Costa County credit files already show
Lenders in Contra Costa County have already closed 39 healthcare approvals, averaging $646,082, which is the size a new file gets read beside
| Line | Amount | Reading and source |
|---|---|---|
| Approvals on record | 39 | Counted for the fiscal year the SBA publishes [5] |
| Total approved capital | $25,197,200 | Everything approved to healthcare borrowers, added up [5] |
| Mean deal size | $646,082 | The dollar column over the approval column [5] |
| Lenders sited in the county | 596 | Places that write credit locally, NAICS 522 [6] |
What the two tables above change about a file
Density of 69.5 per 10,000 sets the patient draw a projection can claim without an argument. Because Contra Costa County already carries $25,197,200 across 39 healthcare approvals, a request near that average moves faster than one well above it. With $250,001 as the median household income, the payer mix in a projection has to match what Orinda households actually spend.
Programs the Orinda mix reaches for
- Practice acquisition
- Expansion, relocation, and build-out
- Startup and de novo
- Equipment financing and leasing
- Working capital term loan
Weighted by how often each of the 22 local fields reaches for a program, not by what is easiest to refer. California rules and the partner decide availability.
The first pages of a Orinda file
What a funder opens first depends on the field. In Orinda that means specialty physician groups, physical, occupational, and speech therapy, primary care and family medicine.
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| Specialty physician groups (27) | Ancillary revenue contribution, Provider productivity, Payer contracts | Ancillary build-out |
| Physical, occupational, and speech therapy (18) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Primary care and family medicine (12) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
NPPES supplies the Orinda counts. The reading columns describe the field in general, and no partner reviewing a Orinda file is bound by them.
How Orinda prices against its neighbors
Set Orinda's 69.5 per 10,000 against the towns an appraiser would reach for next
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Orinda (current) | 19,573 | 136 | 69.5 | |
| Lafayette | 25,371 | 256 | 100.9 | 3 |
| Moraga | 16,698 | 40 | 24.0 | 3 |
| Piedmont | 10,816 | 42 | 38.8 | 5 |
| Pleasant Hill | 34,169 | 344 | 100.7 | 7 |
| Emeryville | 13,912 | 192 | 138.0 | 8 |
| Albany | 19,439 | 176 | 90.5 | 8 |
What the geography does to a Orinda projection
16 miles separate Orinda from Vallejo, CA. Lease pricing follows Vallejo, CA, while revenue stays capped by the 19,573 residents here. Households here carry $250,001 in median income, and that ceiling decides how much of a treatment plan gets started rather than deferred. Referral flow comes from outside Orinda, which a projection needs to state plainly.
Nearby California towns
- Lafayette 25,371 residents
- Moraga 16,698 residents
- Piedmont 10,816 residents
- Pleasant Hill 34,169 residents
- Emeryville 13,912 residents
- Albany 19,439 residents
Questions from Orinda
01How many providers practice in Orinda, and in what?
136 enumerations sit at Orinda addresses in the monthly NPPES file, working out to 69.5 for every 10,000 residents. 20 percent of them are specialty physician groups, and physical, occupational, and speech therapy follows with 18. An enumeration is a clinician, so the 136 here cover fewer than 136 practices.
02What does a $250,001 median income mean for case acceptance?
Median household income in Orinda runs $250,001. 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.
03What does Contra Costa County's shortage designation change?
HRSA designates Contra Costa County for primary care, dental, mental health. That opens loan repayment programs for clinicians recruited into Orinda and evidences a staffing ramp in a 19,573 resident market.
04What does SBA lending look like around Orinda?
$25,197,200 went to healthcare borrowers in Contra Costa County across 39 approvals, $646,082 on average. Deals near Orinda get sized against that record before anything else.
05Which fields carry the volume in Orinda?
The 22 enumerated fields are led by specialty physician groups at 27, with physical, occupational, and speech therapy at 18 behind it. Those two counts double as the competition you are entering and the bench you would hire from.
06Is Orinda underwritten as part of Vallejo, CA?
Partly. Vallejo, CA is 16 miles out, so rent and equipment comparables travel in from there while patients still come from the 19,573 residents around Orinda. 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
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.