California micro-market
Healthcare practice financing in Soledad, California
Direct answer
A Soledad file is read against 45 local clinicians, 17.1 for every 10,000 of its 26,345 residents, 20 percent of them in general dentistry, plus the 5 SBA healthcare approvals worth $3,781,000 already recorded in Monterey County, 25 miles from Salinas, CA.
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Who is enumerated in Soledad
45 providers across 15 fields, 17.1 per 10,000 residents, counted at Soledad addresses in the NPPES monthly file
| Practice type | Count | Rate per 10,000 residents | Published by |
|---|---|---|---|
| General dentistry | 9 | 3.4 | NPPES [2] |
| Primary care and family medicine | 7 | 2.7 | NPPES [2] |
| ABA and autism therapy | 6 | 2.3 | NPPES [2] |
| Behavioral and mental health group practices | 6 | 2.3 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 4 | 1.5 | NPPES [2] |
| Independent pharmacy | 2 | 0.8 | NPPES [2] |
| Specialty physician groups | 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] |
| Dental specialties | 1 | 0.4 | NPPES [2] |
| Non-medical home care | 1 | 0.4 | NPPES [2] |
| Optometry and ophthalmology | 1 | 0.4 | NPPES [2] |
| Dialysis and infusion centers | 1 | 0.4 | NPPES [2] |
| Telehealth and virtual clinics | 1 | 0.4 | NPPES [2] |
| Physical, occupational, and speech therapy | 1 | 0.4 | NPPES [2] |
| Medical equipment suppliers | 1 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] |
General dentistry carries 9 of the 45 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
The lending record behind Soledad
The county file holds 5 healthcare approvals, which is a thin comparable set for anyone pricing collateral
| What it measures | Value | How to read it |
|---|---|---|
| Healthcare files approved | 5 | Fiscal year published in the SBA file [5] |
| Dollars behind them | $3,781,000 | Sum of approvals to healthcare borrowers [5] |
| Typical approval size | $756,200 | Dollars divided by approvals [5] |
| Credit offices operating locally | 146 | Credit intermediation establishments, NAICS 522 [6] |
The consequence of these numbers
At 17.1 clinicians per 10,000 residents, the catchment radius in a projection has to be defended rather than assumed. Monterey County has 5 approvals to compare against, so plan for extra appraisal time and a conservative valuation. Household income of $93,204 in Soledad is the number a lender uses to sanity check the self-pay share of a revenue projection.
Where a file from this town usually lands
- Practice acquisition
- Expansion, relocation, and build-out
- Startup and de novo
- Working capital term loan
- Equipment financing and leasing
Ranked from the 15 fields that actually practice in Soledad, weighted toward general dentistry. Availability still depends on California and on the funding partner.
What a funder reads first in Soledad
What a funder opens first depends on the field. In Soledad that means general dentistry, primary care and family medicine, aba and autism therapy.
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| General dentistry (9) | Three years of collections history, Hygiene as a share of collections, Overhead ratio and owner add-backs | Acquisition of an established practice |
| Primary care and family medicine (7) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| ABA and autism therapy (6) | Authorized hours against delivered hours, Payer mix stability, Billing compliance history | Working capital against authorization and billing lag |
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.
Soledad against nearby California markets
Density is the number that moves an appraisal: 17.1 per 10,000 here
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Soledad (current) | 26,345 | 45 | 17.1 | |
| Greenfield | 21,042 | 21 | 10.0 | 9 |
| Hollister | 45,033 | 162 | 36.0 | 29 |
| Marina | 23,047 | 123 | 53.4 | 31 |
| Seaside | 31,524 | 77 | 24.4 | 31 |
| Monterey | 29,015 | 849 | 292.6 | 33 |
| Pacific Grove | 14,851 | 101 | 68.0 | 36 |
What the geography does to a Soledad projection
Salinas, CA lies 25 miles from Soledad, close enough that appraisers price the lease against Salinas, CA rents while 26,345 residents set the revenue ceiling. At $93,204 median household income, the elective and cash-pay share of a projection is the line that gets tested first. Referral flow comes from outside Soledad, which a projection needs to state plainly. A degree-granting institution here moves volume on the academic calendar.
Other California markets
- Greenfield 21,042 residents
- Hollister 45,033 residents
- Marina 23,047 residents
- Seaside 31,524 residents
- Monterey 29,015 residents
- Pacific Grove 14,851 residents
Soledad owners, answered
01How many providers practice in Soledad, and in what?
Across 15 fields, Soledad carries 45 enumerated clinicians, 17.1 per 10,000 of the 26,345 people living here. The concentration is in general dentistry, 9 of the total, then primary care and family medicine at 7. Count practices from that only with care.
02What does Monterey County's shortage designation change?
The primary care, dental, mental health designation HRSA carries on Monterey County is a recruiting instrument: it puts repayment incentives in front of candidates, which is how a hiring plan for 26,345 residents gets past the question of who would take the job.
03Why does Monterey County show so little SBA activity?
Only 5 healthcare approvals appear for Monterey County in the published 7(a) and 504 file. Thin volume in Monterey County is a transaction count, not a verdict on borrowers here. The county still holds 146 credit intermediation establishments.
04Is Soledad underwritten as part of Salinas, CA?
Salinas, CA sits 25 miles away, close enough that appraisers reach into that market for rent and resale comparables while your patient draw stays local. The comparables read Salinas, CA; the 26,345 residents set the ceiling a projection can defend.
05Is there local lending capacity in Monterey County?
County Business Patterns records 146 credit intermediation establishments in Monterey County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Soledad rents and resale before or by somebody working from a screen.
06Which fields carry the volume in Soledad?
The 15 enumerated fields are led by general dentistry at 9, with primary care and family medicine at 7 behind it. Those two counts double as the competition you are entering and the bench you would hire from.
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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