California micro-market
Healthcare practice financing in South El Monte, California
Direct answer
Los Angeles County carries 298 SBA healthcare approvals worth $229,015,900, and inside South El Monte the census shows 39 enumerated clinicians against 19,121 residents, 20.4 per 10,000, 21 percent of them in primary care and family medicine. Los Angeles-Long Beach-Anaheim, CA lies 21 miles away.
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- Population: 19,121 residents (10K-25K band)1
- Healthcare providers registered here: 39 across 14 fields2
- Median household income: $67,1533
- Largest provider field: Primary care and family medicine: 8 registered providers2
- Medicare-certified providers in town: 3 across 3 categories4
- Nearest metro: Los Angeles-Long Beach-Anaheim, CA, 21 miles1
What NPPES records at South El Monte addresses
Counted at the town's own addresses: 39 providers, 14 fields, 20.4 clinicians per 10,000 of the 19,121 residents here
| Practice type | Count | Rate per 10,000 residents | Published by |
|---|---|---|---|
| Primary care and family medicine | 8 | 4.2 | NPPES [2] |
| General dentistry | 7 | 3.7 | NPPES [2] |
| DME and HME suppliers | 5 | 2.6 | NPPES [2] |
| NEMT and ambulance | 3 | 1.6 | NPPES [2] |
| Specialty physician groups | 3 | 1.6 | NPPES [2] |
| Dialysis and infusion centers | 3 | 1.6 | NPPES [2] |
| Chiropractic | 2 | 1.0 | NPPES [2] |
| Independent pharmacy | 2 | 1.0 | NPPES [2] |
| Home health | 1 | 0.5 | NPPES [2] |
| Non-medical home care | 1 | 0.5 | NPPES [2] |
| ABA and autism therapy | 1 | 0.5 | NPPES [2] |
| Behavioral and mental health group practices | 1 | 0.5 | NPPES [2] |
| Telehealth and virtual clinics | 1 | 0.5 | NPPES [2] |
| Physical, occupational, and speech therapy | 1 | 0.5 | NPPES [2] |
| Medical equipment suppliers | 1 | CMS [4] | |
| Hospice providers | 1 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] | |
| Home health agencies | 1 | CMS [4] |
Primary care and family medicine carries 8 of the 39 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
The lending record behind South El Monte
The published file shows 298 healthcare approvals in Los Angeles County, $229,015,900 in total, and that history is what an appraiser and a credit committee reach for
| What it measures | Value | How to read it |
|---|---|---|
| Healthcare files approved | 298 | Counted for the fiscal year the SBA publishes [5] |
| Dollars behind them | $229,015,900 | Everything approved to healthcare borrowers, added up [5] |
| Typical approval size | $768,510 | The dollar column over the approval column [5] |
| Credit offices operating locally | 4,689 | Places that write credit locally, NAICS 522 [6] |
What the two tables above change about a file
20.4 per 10,000 is the first number a credit analyst converts into a realistic new-patient count. 298 approvals worth $229,015,900 in Los Angeles County means the size you are asking for has a local precedent to point at. Household income of $67,153 in South El Monte 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
- Equipment financing and leasing
- Startup and de novo
- Working capital term loan
The order comes from South El Monte's own provider mix, which primary care and family medicine dominates at 21 percent. What a partner can actually place in California is a separate question.
The first pages of a South El Monte file
Drawn from the fields that actually practice here: primary care and family medicine, general dentistry, dme and hme suppliers
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| Primary care and family medicine (8) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| General dentistry (7) | Three years of collections history, Hygiene as a share of collections, Overhead ratio and owner add-backs | Acquisition of an established practice |
| DME and HME suppliers (5) | Accreditation and surety bond status, Rental versus sale revenue split, Denial rate and documentation quality | Inventory and rental fleet |
Column one counts South El Monte clinicians from the federal file. Columns two and three describe how the field is usually underwritten, and a partner can read a South El Monte file differently.
How South El Monte prices against its neighbors
The neighboring markets below are the ones a valuation borrows from when South El Monte has too few sales of its own
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| South El Monte (current) | 19,121 | 39 | 20.4 | |
| Rosemead | 49,582 | 309 | 62.3 | 2 |
| Montebello | 60,617 | 451 | 74.4 | 4 |
| San Gabriel | 37,926 | 506 | 133.4 | 4 |
| Baldwin Park | 69,247 | 405 | 58.5 | 5 |
| Monterey Park | 57,996 | 503 | 86.7 | 5 |
| Pico Rivera | 59,363 | 163 | 27.5 | 5 |
Distance, income, and the wage floor around South El Monte
Los Angeles-Long Beach-Anaheim, CA lies 21 miles from South El Monte, close enough that appraisers price the lease against Los Angeles-Long Beach-Anaheim, CA rents while 19,121 residents set the revenue ceiling. Median household income runs $67,153, which is the number a funder converts into case acceptance on anything elective or cash-pay. A Medicare-certified hospital operates here, so referral flow is verifiable and the clinical wage floor is already set. A college in South El Monte puts a term-shaped curve into monthly collections.
Nearby California towns
- Rosemead 49,582 residents
- Montebello 60,617 residents
- San Gabriel 37,926 residents
- Baldwin Park 69,247 residents
- Monterey Park 57,996 residents
- Pico Rivera 59,363 residents
South El Monte owners, answered
01How many providers practice in South El Monte, and in what?
NPPES lists 39 providers at a South El Monte practice address, 20.4 per 10,000 residents across 14 tracked fields. Primary care and family medicine accounts for 8 of them, 21 percent of the total, with general dentistry next at 7. Read that as clinicians: 39 enumerations, not 39 owners.
02What does SBA lending look like around South El Monte?
Healthcare borrowers in Los Angeles County took 298 approvals worth $229,015,900 in the published fiscal year, averaging $768,510. That is the comparable set an appraiser near South El Monte reaches for first.
03What does Los Angeles County's shortage designation change?
The primary care, dental, mental health designation HRSA carries on Los Angeles County is a recruiting instrument: it puts repayment incentives in front of candidates, which is how a hiring plan for 19,121 residents gets past the question of who would take the job.
04How does the hospital in South El Monte 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. 3 Medicare-certified providers are located here in total. It also sets the wage floor behind every hire in a 20.4 per 10,000 market.
05Is South El Monte underwritten as part of Los Angeles-Long Beach-Anaheim, CA?
Comparables and demand split at 21 miles. An appraiser prices the lease and the equipment off Los Angeles-Long Beach-Anaheim, CA; the revenue line has to hold up against 19,121 local residents.
06Is there local lending capacity in Los Angeles County?
County Business Patterns records 4,689 credit intermediation establishments in Los Angeles County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen South El Monte 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
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