California micro-market
Healthcare practice financing in Pinole, California
Direct answer
197 healthcare providers hold a Pinole practice address, 105.6 per 10,000 of its 18,663 residents, 17 percent of them in physical, occupational, and speech therapy. Contra Costa County recorded 39 SBA healthcare approvals worth $25,197,200, and Vallejo, CA sits 8 miles out.
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- Population: 18,663 residents (10K-25K band)1
- Healthcare providers registered here: 197 across 21 fields2
- Median household income: $120,8333
- Largest provider field: Physical, occupational, and speech therapy: 34 registered providers2
- Medicare-certified providers in town: 3 across 2 categories4
- Nearest metro: Vallejo, CA, 8 miles1
Who is enumerated in Pinole
Counted at the town's own addresses: 197 providers, 21 fields, 105.6 clinicians per 10,000 of the 18,663 residents here
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Physical, occupational, and speech therapy | 34 | 18.2 | NPPES [2] |
| General dentistry | 33 | 17.7 | NPPES [2] |
| Dental specialties | 22 | 11.8 | NPPES [2] |
| Optometry and ophthalmology | 21 | 11.3 | NPPES [2] |
| Primary care and family medicine | 19 | 10.2 | NPPES [2] |
| ABA and autism therapy | 15 | 8.0 | NPPES [2] |
| Specialty physician groups | 13 | 7.0 | NPPES [2] |
| DME and HME suppliers | 8 | 4.3 | NPPES [2] |
| Chiropractic | 8 | 4.3 | NPPES [2] |
| ASCs and OBLs | 6 | 3.2 | NPPES [2] |
| Behavioral and mental health group practices | 6 | 3.2 | NPPES [2] |
| Home health | 2 | 1.1 | NPPES [2] |
| Independent pharmacy | 2 | 1.1 | NPPES [2] |
| Podiatry | 1 | 0.5 | NPPES [2] |
| Audiology and hearing centers | 1 | 0.5 | NPPES [2] |
| Non-medical home care | 1 | 0.5 | NPPES [2] |
| Med spa and aesthetics | 1 | 0.5 | NPPES [2] |
| Hormone, TRT, and men's health clinics | 1 | 0.5 | NPPES [2] |
| Plastic and cosmetic surgery | 1 | 0.5 | NPPES [2] |
| Dialysis and infusion centers | 1 | 0.5 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 1 | 0.5 | NPPES [2] |
| Medical equipment suppliers | 4 | CMS [4] | |
| Ambulatory surgical centers | 2 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] |
Several of the 34 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 Pinole
The published file shows 39 healthcare approvals in Contra Costa County, $25,197,200 in total, and that history is what an appraiser and a credit committee reach for
| Measure | Published figure | What sits behind it |
|---|---|---|
| Healthcare files approved | 39 | Fiscal year published in the SBA file [5] |
| Dollars behind them | $25,197,200 | Sum of approvals to healthcare borrowers [5] |
| Typical approval size | $646,082 | Dollars divided by approvals [5] |
| Credit offices operating locally | 596 | Credit intermediation establishments, NAICS 522 [6] |
Reading Pinole the way a credit committee does
Density of 105.6 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. Household income of $120,833 in Pinole is the number a lender uses to sanity check the self-pay share of a revenue projection.
The programs this provider mix points at
- Practice acquisition
- Startup and de novo
- Expansion, relocation, and build-out
- Equipment financing and leasing
- Working capital term loan
Ranked from the 21 fields that actually practice in Pinole, weighted toward physical, occupational, and speech therapy. Availability still depends on California and on the funding partner.
Underwriting by field in Pinole
What a funder opens first depends on the field. In Pinole that means physical, occupational, and speech therapy, general dentistry, dental specialties.
| Field | What the file turns on | The capital event behind most requests |
|---|---|---|
| Physical, occupational, and speech therapy (34) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| General dentistry (33) | Three years of collections history, Hygiene as a share of collections, Overhead ratio and owner add-backs | Acquisition of an established practice |
| Dental specialties (22) | Collections concentrated in the selling doctor, Referral source concentration, Contract receivables on payment plans | Specialty practice acquisition |
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.
How Pinole prices against its neighbors
105.6 per 10,000 is the figure a neighboring town gets compared against when an appraiser prices Pinole
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Pinole (current) | 18,663 | 197 | 105.6 | |
| Hercules | 26,499 | 94 | 35.5 | 2 |
| San Pablo | 31,562 | 160 | 50.7 | 3 |
| El Cerrito | 26,409 | 146 | 55.3 | 6 |
| Albany | 19,439 | 176 | 90.5 | 8 |
| Benicia | 26,477 | 107 | 40.4 | 10 |
| Martinez | 37,006 | 561 | 151.6 | 11 |
What the geography does to a Pinole projection
Vallejo, CA lies 8 miles from Pinole, close enough that appraisers price the lease against Vallejo, CA rents while 18,663 residents set the revenue ceiling. At $120,833 median household income, the elective and cash-pay share of a projection is the line that gets tested first. With no hospital in town, a projection has to name where referrals and coverage come from.
Nearby California towns
Questions from Pinole
01How many providers practice in Pinole, and in what?
197 enumerations sit at Pinole addresses in the monthly NPPES file, working out to 105.6 for every 10,000 residents. 17 percent of them are physical, occupational, and speech therapy, and general dentistry follows with 33. An enumeration is a clinician, so the 197 here cover fewer than 197 practices.
02What does Contra Costa County's shortage designation change?
Designated for primary care, dental, mental health, Contra Costa 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.
03What does SBA lending look like around Pinole?
$25,197,200 went to healthcare borrowers in Contra Costa County across 39 approvals, $646,082 on average. Deals near Pinole get sized against that record before anything else.
04Is Pinole underwritten as part of Vallejo, CA?
Partly. Vallejo, CA is 8 miles out, so rent and equipment comparables travel in from there while patients still come from the 18,663 residents around Pinole. Cost side metro, revenue side local.
05What does a $120,833 median income mean for case acceptance?
Median household income in Pinole runs $120,833. 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.
06Is there local lending capacity in Contra Costa County?
County Business Patterns records 596 credit intermediation establishments in Contra Costa County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Pinole 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.