California micro-market
Healthcare practice financing in Patterson, California
Direct answer
25,495 residents, 64 enumerated clinicians, 25.1 per 10,000, 28 percent of them in primary care and family medicine: that is the Patterson market a funder prices. Stanislaus County adds 10 healthcare approvals worth $7,212,200 and 14 miles of distance to Modesto, CA.
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: 25,495 residents (25K-50K band)1
- Healthcare providers registered here: 64 across 17 fields2
- Median household income: $93,5423
- Largest provider field: Primary care and family medicine: 18 registered providers2
- Medicare-certified providers in town: 1 across 1 categories4
- Nearest metro: Modesto, CA, 14 miles1
The clinical base a lender can verify here
64 providers across 17 fields, 25.1 per 10,000 residents, counted at Patterson addresses in the NPPES monthly file
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Primary care and family medicine | 18 | 7.1 | NPPES [2] |
| General dentistry | 12 | 4.7 | NPPES [2] |
| Physical, occupational, and speech therapy | 11 | 4.3 | NPPES [2] |
| Optometry and ophthalmology | 4 | 1.6 | NPPES [2] |
| Urgent care | 2 | 0.8 | NPPES [2] |
| Chiropractic | 2 | 0.8 | NPPES [2] |
| Independent pharmacy | 2 | 0.8 | NPPES [2] |
| Behavioral and mental health group practices | 2 | 0.8 | NPPES [2] |
| Telehealth and virtual clinics | 2 | 0.8 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 2 | 0.8 | NPPES [2] |
| DME and HME suppliers | 1 | 0.4 | NPPES [2] |
| SUD treatment and residential | 1 | 0.4 | NPPES [2] |
| ABA and autism therapy | 1 | 0.4 | NPPES [2] |
| Hospice and palliative | 1 | 0.4 | NPPES [2] |
| Clinical research sites | 1 | 0.4 | NPPES [2] |
| Specialty physician groups | 1 | 0.4 | NPPES [2] |
| Dialysis and infusion centers | 1 | 0.4 | NPPES [2] |
| Medical equipment suppliers | 3 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] |
A single Patterson practice can hold more than one of these numbers. 28 percent sit in primary care and family medicine, counted as clinicians rather than as owners.
Loan activity in Stanislaus County
The published file shows 10 healthcare approvals in Stanislaus County, $7,212,200 in total, and that history is what an appraiser and a credit committee reach for
| Line | Amount | Reading and source |
|---|---|---|
| Healthcare files approved | 10 | Counted for the fiscal year the SBA publishes [5] |
| Dollars behind them | $7,212,200 | Everything approved to healthcare borrowers, added up [5] |
| Typical approval size | $721,220 | The dollar column over the approval column [5] |
| Credit offices operating locally | 224 | Places that write credit locally, NAICS 522 [6] |
Reading Patterson the way a credit committee does
The ratio that matters up front is 25.1 per 10,000, which decides whether a ramp schedule reads as conservative. A request measured against 10 prior Stanislaus County approvals is priced on precedent, which shortens the questions about valuation. A $93,542 median household income here sets the ceiling on what an elective or cash-pay line can be expected to carry.
Programs the Patterson mix reaches for
- Practice acquisition
- Startup and de novo
- Expansion, relocation, and build-out
- Working capital term loan
- Equipment financing and leasing
Weighted by how often each of the 17 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 Patterson file
What a funder opens first depends on the field. In Patterson that means primary care and family medicine, general dentistry, physical, occupational, and speech therapy.
| Field | What the file turns on | The capital event behind most requests |
|---|---|---|
| Primary care and family medicine (18) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| General dentistry (12) | Three years of collections history, Hygiene as a share of collections, Overhead ratio and owner add-backs | Acquisition of an established practice |
| Physical, occupational, and speech therapy (11) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
Local counts come from NPPES. What a file turns on is drawn from how the field is generally reviewed, not from any decision about your practice.
Density beside the neighboring California towns
25.1 per 10,000 is the figure a neighboring town gets compared against when an appraiser prices Patterson
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Patterson (current) | 25,495 | 64 | 25.1 | |
| Newman | 12,292 | 27 | 22.0 | 13 |
| Ceres | 49,253 | 87 | 17.7 | 13 |
| Turlock | 72,888 | 405 | 55.6 | 16 |
| Ripon | 16,252 | 49 | 30.2 | 18 |
| Riverbank | 25,625 | 71 | 27.7 | 21 |
| Manteca | 94,292 | 357 | 37.9 | 22 |
Distance, income, and the wage floor around Patterson
Modesto, CA lies 14 miles from Patterson, close enough that appraisers price the lease against Modesto, CA rents while 25,495 residents set the revenue ceiling. Households here carry $93,542 in median income, and that ceiling decides how much of a treatment plan gets started rather than deferred. With no hospital in town, a projection has to name where referrals and coverage come from.
Nearby California towns
Patterson owners, answered
01How many providers practice in Patterson, and in what?
Across 17 fields, Patterson carries 64 enumerated clinicians, 25.1 per 10,000 of the 25,495 people living here. The concentration is in primary care and family medicine, 18 of the total, then general dentistry at 12. Count practices from that only with care.
02What does Stanislaus County's shortage designation change?
HRSA designates Stanislaus County for primary care, dental, mental health. That opens loan repayment programs for clinicians recruited into Patterson and evidences a staffing ramp in a 25,495 resident market.
03Is Patterson underwritten as part of Modesto, CA?
Comparables and demand split at 14 miles. An appraiser prices the lease and the equipment off Modesto, CA; the revenue line has to hold up against 25,495 local residents.
04What does SBA lending look like around Patterson?
$7,212,200 went to healthcare borrowers in Stanislaus County across 10 approvals, $721,220 on average. Deals near Patterson get sized against that record before anything else.
05Is 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 Patterson rents and resale before or by somebody working from a screen.
06What does the underserved designation in Stanislaus County support?
Stanislaus County carries a medically underserved designation. It evidences unmet demand behind a capacity build, and it opens recruitment programs that make a staffing line in a projection easier to defend than local wage data alone would.
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.