California micro-market
Healthcare practice financing in Turlock, California
Direct answer
Density decides a lot here. Turlock runs 55.6 providers per 10,000 residents, 405 clinicians against 72,888 people, 15 percent of them in physical, occupational, and speech therapy, while Stanislaus County lenders have approved 10 healthcare files worth $7,212,200 and the nearest metro is 12 miles out.
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- Population: 72,888 residents (50K-100K band)1
- Healthcare providers registered here: 405 across 27 fields2
- Median household income: $79,8073
- Largest provider field: Physical, occupational, and speech therapy: 62 registered providers2
- Medicare-certified providers in town: 7 across 4 categories4
- Nearest metro: Modesto, CA, 12 miles1
The provider census in Turlock
405 providers across 27 fields, 55.6 per 10,000 residents, counted at Turlock addresses in the NPPES monthly file
| Practice type | Count | Rate per 10,000 residents | Published by |
|---|---|---|---|
| Physical, occupational, and speech therapy | 62 | 8.5 | NPPES [2] |
| Primary care and family medicine | 61 | 8.4 | NPPES [2] |
| General dentistry | 56 | 7.7 | NPPES [2] |
| Optometry and ophthalmology | 35 | 4.8 | NPPES [2] |
| Specialty physician groups | 33 | 4.5 | NPPES [2] |
| Chiropractic | 25 | 3.4 | NPPES [2] |
| ABA and autism therapy | 19 | 2.6 | NPPES [2] |
| Dental specialties | 18 | 2.5 | NPPES [2] |
| Independent pharmacy | 16 | 2.2 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 15 | 2.1 | NPPES [2] |
| Behavioral and mental health group practices | 14 | 1.9 | NPPES [2] |
| DME and HME suppliers | 8 | 1.1 | NPPES [2] |
| Dialysis and infusion centers | 6 | 0.8 | NPPES [2] |
| Urgent care | 5 | 0.7 | NPPES [2] |
| ASCs and OBLs | 5 | 0.7 | NPPES [2] |
| Dermatology | 4 | 0.5 | NPPES [2] |
| Home health | 4 | 0.5 | NPPES [2] |
| Podiatry | 3 | 0.4 | NPPES [2] |
| Non-medical home care | 3 | 0.4 | NPPES [2] |
| Telehealth and virtual clinics | 3 | 0.4 | NPPES [2] |
| SUD treatment and residential | 2 | 0.3 | NPPES [2] |
| Hospice and palliative | 2 | 0.3 | NPPES [2] |
| Clinical and toxicology labs | 2 | 0.3 | NPPES [2] |
| Sleep centers | 1 | 0.1 | NPPES [2] |
| Imaging centers | 1 | 0.1 | NPPES [2] |
| Audiology and hearing centers | 1 | 0.1 | NPPES [2] |
| Med spa and aesthetics | 1 | 0.1 | NPPES [2] |
| Medical equipment suppliers | 12 | CMS [4] | |
| Dialysis facilities | 3 | CMS [4] | |
| Ambulatory surgical centers | 2 | CMS [4] | |
| Hospice providers | 1 | CMS [4] | |
| Home health agencies | 1 | CMS [4] |
A single Turlock practice can hold more than one of these numbers. 15 percent sit in physical, occupational, and speech therapy, counted as clinicians rather than as owners.
What Stanislaus County credit files already show
Lenders in Stanislaus County have already closed 10 healthcare approvals, averaging $721,220, which is the size a new file gets read beside
| Line | Amount | Reading and source |
|---|---|---|
| Approvals on record | 10 | Fiscal year published in the SBA file [5] |
| Total approved capital | $7,212,200 | Sum of approvals to healthcare borrowers [5] |
| Mean deal size | $721,220 | Dollars divided by approvals [5] |
| Lenders sited in the county | 224 | Credit intermediation establishments, NAICS 522 [6] |
How this data lands in an underwriting decision
55.6 per 10,000 is the first number a credit analyst converts into a realistic new-patient count. 10 approvals worth $7,212,200 in Stanislaus County means the size you are asking for has a local precedent to point at. Household income of $79,807 in Turlock is the number a lender uses to sanity check the self-pay share of a revenue projection.
Programs the Turlock mix reaches for
- Practice acquisition
- Startup and de novo
- Expansion, relocation, and build-out
- Equipment financing and leasing
- Working capital term loan
The order comes from Turlock's own provider mix, which physical, occupational, and speech therapy dominates at 15 percent. What a partner can actually place in California is a separate question.
What a funder reads first in Turlock
Drawn from the fields that actually practice here: physical, occupational, and speech therapy, primary care and family medicine, general dentistry
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| Physical, occupational, and speech therapy (62) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Primary care and family medicine (61) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| General dentistry (56) | Three years of collections history, Hygiene as a share of collections, Overhead ratio and owner add-backs | Acquisition of an established practice |
Counts in the first column are Turlock providers from NPPES. The other two columns describe how funders read that field across markets like Turlock, not what any funder will do with your file.
Turlock against nearby California markets
The neighboring markets below are the ones a valuation borrows from when Turlock has too few sales of its own
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Turlock (current) | 72,888 | 405 | 55.6 | |
| Ceres | 49,253 | 87 | 17.7 | 9 |
| Livingston | 14,767 | 34 | 23.0 | 11 |
| Riverbank | 25,625 | 71 | 27.7 | 16 |
| Patterson | 25,495 | 64 | 25.1 | 16 |
| Newman | 12,292 | 27 | 22.0 | 16 |
| Oakdale | 23,209 | 89 | 38.3 | 18 |
What the geography does to a Turlock projection
12 miles separate Turlock from Modesto, CA. Lease pricing follows Modesto, CA, while revenue stays capped by the 72,888 residents here. Median household income runs $79,807, 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. Higher education here explains why summer looks unlike the rest of the year.
Nearby California towns
Turlock owners, answered
01How many providers practice in Turlock, and in what?
405 enumerations sit at Turlock addresses in the monthly NPPES file, working out to 55.6 for every 10,000 residents. 15 percent of them are physical, occupational, and speech therapy, and primary care and family medicine follows with 61. An enumeration is a clinician, so the 405 here cover fewer than 405 practices.
02Is Turlock underwritten as part of Modesto, CA?
Modesto, CA sits 12 miles away, close enough that appraisers reach into that market for rent and resale comparables while your patient draw stays local. The comparables read Modesto, CA; the 72,888 residents set the ceiling a projection can defend.
03What does SBA lending look like around Turlock?
Healthcare borrowers in Stanislaus County took 10 approvals worth $7,212,200 in the published fiscal year, averaging $721,220. That is the comparable set an appraiser near Turlock reaches for first.
04What does Stanislaus County's shortage designation change?
Designated for primary care, dental, mental health, Stanislaus 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.
05Which fields carry the volume in Turlock?
Physical, occupational, and speech therapy at 62 providers and primary care and family medicine at 61 lead the 27 fields enumerated here. A funder reads that mix as the local competition set and the local hiring pool at once, before it reads a single line of your own numbers.
06How does the hospital in Turlock affect a practice file?
Referral flow, coverage, and the local pay scale all trace back to it. The town carries 7 Medicare-certified providers in total. A Turlock projection that names the call arrangement reads better than one that assumes it.
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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