California micro-market
Healthcare practice financing in San Clemente, California
Direct answer
509 healthcare providers hold a San Clemente practice address, 81.3 per 10,000 of its 62,627 residents, 30 percent of them in physical, occupational, and speech therapy. Orange County recorded 161 SBA healthcare approvals worth $100,743,500, and Riverside-San Bernardino-Ontario, CA sits 36 miles out.
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- Population: 62,627 residents (50K-100K band)1
- Healthcare providers registered here: 509 across 29 fields2
- Median household income: $134,7353
- Largest provider field: Physical, occupational, and speech therapy: 154 registered providers2
- Medicare-certified providers in town: 1 across 1 categories4
- Nearest metro: Riverside-San Bernardino-Ontario, CA, 36 miles1
San Clemente clinicians, by field
509 providers across 29 fields, 81.3 per 10,000 residents, counted at San Clemente addresses in the NPPES monthly file
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| Physical, occupational, and speech therapy | 154 | 24.6 | NPPES [2] |
| Chiropractic | 51 | 8.1 | NPPES [2] |
| General dentistry | 50 | 8.0 | NPPES [2] |
| Primary care and family medicine | 37 | 5.9 | NPPES [2] |
| SUD treatment and residential | 32 | 5.1 | NPPES [2] |
| Specialty physician groups | 29 | 4.6 | NPPES [2] |
| Dental specialties | 28 | 4.5 | NPPES [2] |
| ABA and autism therapy | 21 | 3.4 | NPPES [2] |
| Optometry and ophthalmology | 21 | 3.4 | NPPES [2] |
| Independent pharmacy | 14 | 2.2 | NPPES [2] |
| DME and HME suppliers | 11 | 1.8 | NPPES [2] |
| Behavioral and mental health group practices | 11 | 1.8 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 7 | 1.1 | NPPES [2] |
| Non-medical home care | 5 | 0.8 | NPPES [2] |
| Clinical and toxicology labs | 5 | 0.8 | NPPES [2] |
| Dermatology | 4 | 0.6 | NPPES [2] |
| Occupational health and drug testing | 4 | 0.6 | NPPES [2] |
| Podiatry | 3 | 0.5 | NPPES [2] |
| ASCs and OBLs | 3 | 0.5 | NPPES [2] |
| Imaging centers | 3 | 0.5 | NPPES [2] |
| Med spa and aesthetics | 3 | 0.5 | NPPES [2] |
| Home health | 2 | 0.3 | NPPES [2] |
| Urgent care | 2 | 0.3 | NPPES [2] |
| Audiology and hearing centers | 2 | 0.3 | NPPES [2] |
| Telehealth and virtual clinics | 2 | 0.3 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 2 | 0.3 | NPPES [2] |
| Pain management and interventional | 1 | 0.2 | NPPES [2] |
| NEMT and ambulance | 1 | 0.2 | NPPES [2] |
| Clinical research sites | 1 | 0.2 | NPPES [2] |
| Medical equipment suppliers | 9 | CMS [4] | |
| Ambulatory surgical centers | 1 | CMS [4] |
A single San Clemente practice can hold more than one of these numbers. 30 percent sit in physical, occupational, and speech therapy, counted as clinicians rather than as owners.
The lending record behind San Clemente
The published file shows 161 healthcare approvals in Orange County, $100,743,500 in total, and that history is what an appraiser and a credit committee reach for
| Line | Amount | Reading and source |
|---|---|---|
| Approvals on record | 161 | Fiscal year published in the SBA file [5] |
| Total approved capital | $100,743,500 | Sum of approvals to healthcare borrowers [5] |
| Mean deal size | $625,736 | Dollars divided by approvals [5] |
| Lenders sited in the county | 2,437 | Credit intermediation establishments, NAICS 522 [6] |
What the two tables above change about a file
Underwriting starts with 81.3 providers per 10,000 residents, because that ratio caps how fast a chair or a room fills. Because Orange County already carries $100,743,500 across 161 healthcare approvals, a request near that average moves faster than one well above it. Household income of $134,735 in San Clemente is the number a lender uses to sanity check the self-pay share of a revenue projection.
Programs the San Clemente mix reaches for
- Practice acquisition
- Startup and de novo
- Working capital term loan
- Expansion, relocation, and build-out
- Equipment financing and leasing
Built from what is enumerated here rather than from a national list, so a field with no presence in San Clemente does not appear. Availability is still a California question.
Underwriting by field in San Clemente
Drawn from the fields that actually practice here: physical, occupational, and speech therapy, chiropractic, general dentistry
| Practice type | The pages that decide it | Typical capital event |
|---|---|---|
| Physical, occupational, and speech therapy (154) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Chiropractic (51) | Cash plan revenue, Personal injury receivable age, Visit volume | Startup or acquisition |
| General dentistry (50) | Three years of collections history, Hygiene as a share of collections, Overhead ratio and owner add-backs | Acquisition of an established practice |
Column one counts San Clemente clinicians from the federal file. Columns two and three describe how the field is usually underwritten, and a partner can read a San Clemente file differently.
San Clemente against nearby California markets
Comparables travel. These are the California towns whose density, at 81.3 per 10,000 here, gets weighed beside this one.
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| San Clemente (current) | 62,627 | 509 | 81.3 | |
| San Juan Capistrano | 35,469 | 402 | 113.3 | 4 |
| Dana Point | 32,585 | 204 | 62.6 | 5 |
| Laguna Niguel | 64,185 | 439 | 68.4 | 7 |
| Aliso Viejo | 50,457 | 314 | 62.2 | 11 |
| Laguna Beach | 22,564 | 231 | 102.4 | 11 |
| Laguna Hills | 30,378 | 930 | 306.1 | 11 |
What the geography does to a San Clemente projection
36 miles separate San Clemente from Riverside-San Bernardino-Ontario, CA. Rent comparables cross that gap; patients mostly do not. Median household income runs $134,735, which is the number a funder converts into case acceptance on anything elective or cash-pay. With no hospital in town, a projection has to name where referrals and coverage come from.
Other California markets
- San Juan Capistrano 35,469 residents
- Dana Point 32,585 residents
- Laguna Niguel 64,185 residents
- Aliso Viejo 50,457 residents
- Laguna Beach 22,564 residents
- Laguna Hills 30,378 residents
Questions from San Clemente
01How many providers practice in San Clemente, and in what?
NPPES lists 509 providers at a San Clemente practice address, 81.3 per 10,000 residents across 29 tracked fields. Physical, occupational, and speech therapy accounts for 154 of them, 30 percent of the total, with chiropractic next at 51. Read that as clinicians: 509 enumerations, not 509 owners.
02What does SBA lending look like around San Clemente?
The county file behind San Clemente holds 161 healthcare approvals totaling $100,743,500, an average of $625,736. Those are the loan sizes lenders in Orange County have already carried.
03What does a $134,735 median income mean for case acceptance?
Median household income in San Clemente runs $134,735. 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.
04What does Orange County's shortage designation change?
The primary care, dental, mental health designation HRSA carries on Orange County is a recruiting instrument: it puts repayment incentives in front of candidates, which is how a hiring plan for 62,627 residents gets past the question of who would take the job.
05Which fields carry the volume in San Clemente?
Volume concentrates in physical, occupational, and speech therapy, 154 of them, ahead of chiropractic at 51, across 29 fields. A thin second field usually means a longer search for staff than a pro forma allows for.
06Is San Clemente underwritten as part of Riverside-San Bernardino-Ontario, CA?
Riverside-San Bernardino-Ontario, CA sits 36 miles away, close enough that appraisers reach into that market for rent and resale comparables while your patient draw stays local. The comparables read Riverside-San Bernardino-Ontario, CA; the 62,627 residents set the ceiling a projection can defend.
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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