California micro-market
Healthcare practice financing in Placerville, California
Direct answer
10,695 residents, 304 enumerated clinicians, 284.2 per 10,000, 20 percent of them in physical, occupational, and speech therapy: that is the Placerville market a funder prices. El Dorado County adds 2 healthcare approvals worth $1,050,000 and 38 miles of distance to Sacramento-Roseville-Folsom, 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: 10,695 residents (10K-25K band)1
- Healthcare providers registered here: 304 across 27 fields2
- Median household income: $70,6023
- Largest provider field: Physical, occupational, and speech therapy: 60 registered providers2
- Medicare-certified providers in town: 2 across 2 categories4
- Nearest metro: Sacramento-Roseville-Folsom, CA, 38 miles1
Placerville clinicians, by field
284.2 providers per 10,000 residents is what 304 enumerations across 27 fields works out to in a town of 10,695
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Physical, occupational, and speech therapy | 60 | 56.1 | NPPES [2] |
| Primary care and family medicine | 43 | 40.2 | NPPES [2] |
| Behavioral and mental health group practices | 39 | 36.5 | NPPES [2] |
| General dentistry | 30 | 28.1 | NPPES [2] |
| Chiropractic | 20 | 18.7 | NPPES [2] |
| Specialty physician groups | 20 | 18.7 | NPPES [2] |
| Optometry and ophthalmology | 16 | 15.0 | NPPES [2] |
| SUD treatment and residential | 10 | 9.4 | NPPES [2] |
| Dental specialties | 9 | 8.4 | NPPES [2] |
| ABA and autism therapy | 9 | 8.4 | NPPES [2] |
| Independent pharmacy | 8 | 7.5 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 6 | 5.6 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 6 | 5.6 | NPPES [2] |
| DME and HME suppliers | 4 | 3.7 | NPPES [2] |
| Dermatology | 3 | 2.8 | NPPES [2] |
| Audiology and hearing centers | 3 | 2.8 | NPPES [2] |
| Med spa and aesthetics | 3 | 2.8 | NPPES [2] |
| Podiatry | 2 | 1.9 | NPPES [2] |
| Home health | 2 | 1.9 | NPPES [2] |
| ASCs and OBLs | 2 | 1.9 | NPPES [2] |
| Non-medical home care | 2 | 1.9 | NPPES [2] |
| Telehealth and virtual clinics | 2 | 1.9 | NPPES [2] |
| Urgent care | 1 | 0.9 | NPPES [2] |
| Pain management and interventional | 1 | 0.9 | NPPES [2] |
| NEMT and ambulance | 1 | 0.9 | NPPES [2] |
| Clinical research sites | 1 | 0.9 | NPPES [2] |
| Clinical and toxicology labs | 1 | 0.9 | NPPES [2] |
| Medical equipment suppliers | 3 | CMS [4] | |
| Ambulatory surgical centers | 1 | CMS [4] | |
| Home health agencies | 1 | CMS [4] |
Physical, occupational, and speech therapy carries 60 of the 304 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
Loan activity in El Dorado County
With 2 healthcare approvals recorded, El Dorado County gives a valuation almost nothing local to lean on
| What it measures | Value | How to read it |
|---|---|---|
| SBA healthcare approvals | 2 | Counted for the fiscal year the SBA publishes [5] |
| Approved dollars | $1,050,000 | Everything approved to healthcare borrowers, added up [5] |
| Average approval | $525,000 | The dollar column over the approval column [5] |
| Lending establishments in the county | 97 | Places that write credit locally, NAICS 522 [6] |
The consequence of these numbers
284.2 per 10,000 is the first number a credit analyst converts into a realistic new-patient count. With 2 approvals on record in El Dorado County, expect a longer appraisal and a wider collateral discount. With $70,602 as the median household income, the payer mix in a projection has to match what Placerville households actually spend.
Where a file from this town usually lands
- Practice acquisition
- Startup and de novo
- Working capital term loan
- Expansion, relocation, and build-out
- Equipment financing and leasing
Weighted by how often each of the 27 local fields reaches for a program, not by what is easiest to refer. California rules and the partner decide availability.
Underwriting by field in Placerville
What a funder opens first depends on the field. In Placerville that means physical, occupational, and speech therapy, primary care and family medicine, behavioral and mental health group practices.
| Practice type | The pages that decide it | Typical capital event |
|---|---|---|
| Physical, occupational, and speech therapy (60) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Primary care and family medicine (43) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| Behavioral and mental health group practices (39) | Clinician retention and productivity, Payer mix and Medicaid concentration, Re-authorization and session limit exposure | Working capital through the credentialing lag |
NPPES supplies the Placerville counts. The reading columns describe the field in general, and no partner reviewing a Placerville file is bound by them.
Density beside the neighboring California towns
The neighboring markets below are the ones a valuation borrows from when Placerville has too few sales of its own
| Comparable | People | Enumerations | Per 10,000 residents | Miles |
|---|---|---|---|---|
| Placerville (current) | 10,695 | 304 | 284.2 | |
| Auburn | 13,780 | 475 | 344.7 | 19 |
| Rocklin | 75,129 | 517 | 68.8 | 25 |
| Citrus Heights | 86,909 | 380 | 43.7 | 27 |
| Lincoln | 56,268 | 170 | 30.2 | 28 |
| Grass Valley | 14,085 | 497 | 352.9 | 36 |
| Galt | 26,589 | 60 | 22.6 | 42 |
How Placerville sits against the nearest metro
Distance to Sacramento-Roseville-Folsom, CA is 38 miles. That is close enough for rent in Placerville to be compared against the metro and far enough that patient draw is not. Median household income runs $70,602, which is the number a funder converts into case acceptance on anything elective or cash-pay. Wages here are anchored by the Medicare-certified hospital in town, which is what a staffing line gets measured against. Placerville is the El Dorado County seat, so county employment steadies the payer mix.
More of California
- Auburn 13,780 residents
- Rocklin 75,129 residents
- Citrus Heights 86,909 residents
- Lincoln 56,268 residents
- Grass Valley 14,085 residents
- Galt 26,589 residents
What owners in Placerville ask
01How many providers practice in Placerville, and in what?
Across 27 fields, Placerville carries 304 enumerated clinicians, 284.2 per 10,000 of the 10,695 people living here. The concentration is in physical, occupational, and speech therapy, 60 of the total, then primary care and family medicine at 43. Count practices from that only with care.
02What does El Dorado County's shortage designation change?
Designated for primary care, dental, mental health, El Dorado 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.
03Why does El Dorado County show so little SBA activity?
El Dorado County shows 2 approvals in the SBA healthcare file, which means an appraiser reaches outside the county for comparables. Few sales, not weak credit, is the usual reason. 97 lending establishments operate locally.
04How does the hospital in Placerville affect a practice file?
A Medicare-certified hospital operates in the town, which gives referral flow, a call schedule, and a clinical labor pool a funder can verify. 2 Medicare-certified providers are located here in total. It also sets the wage floor behind every hire in a 284.2 per 10,000 market.
05Which fields carry the volume in Placerville?
The 27 enumerated fields are led by physical, occupational, and speech therapy at 60, with primary care and family medicine at 43 behind it. Those two counts double as the competition you are entering and the bench you would hire from.
06Is Placerville underwritten as part of Sacramento-Roseville-Folsom, CA?
Comparables and demand split at 38 miles. An appraiser prices the lease and the equipment off Sacramento-Roseville-Folsom, CA; the revenue line has to hold up against 10,695 local residents.
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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