Florida micro-market
Healthcare practice financing in Clermont, Florida
Direct answer
Density decides a lot here. Clermont runs 205.3 providers per 10,000 residents, 1,044 clinicians against 50,851 people, 21 percent of them in physical, occupational, and speech therapy, while Lake County lenders have approved 12 healthcare files worth $3,903,200 and the nearest metro is 25 miles out.
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. How a referral works in Florida, and how many partners see it, is set out on the Florida page.
- Population: 50,851 residents (50K-100K band)1
- Healthcare providers registered here: 1,044 across 33 fields2
- Median household income: $79,7893
- Largest provider field: Physical, occupational, and speech therapy: 224 registered providers2
- Medicare-certified providers in town: 11 across 3 categories4
- Nearest metro: Orlando-Kissimmee-Sanford, FL, 25 miles1
The clinical base a lender can verify here
1,044 providers across 33 fields, 205.3 per 10,000 residents, counted at Clermont addresses in the NPPES monthly file
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| Physical, occupational, and speech therapy | 224 | 44.1 | NPPES [2] |
| Specialty physician groups | 139 | 27.3 | NPPES [2] |
| Primary care and family medicine | 127 | 25.0 | NPPES [2] |
| ABA and autism therapy | 102 | 20.1 | NPPES [2] |
| General dentistry | 62 | 12.2 | NPPES [2] |
| Chiropractic | 47 | 9.2 | NPPES [2] |
| Home health | 38 | 7.5 | NPPES [2] |
| Optometry and ophthalmology | 35 | 6.9 | NPPES [2] |
| Dental specialties | 30 | 5.9 | NPPES [2] |
| Behavioral and mental health group practices | 28 | 5.5 | NPPES [2] |
| Independent pharmacy | 24 | 4.7 | NPPES [2] |
| Telehealth and virtual clinics | 24 | 4.7 | NPPES [2] |
| DME and HME suppliers | 23 | 4.5 | NPPES [2] |
| Med spa and aesthetics | 23 | 4.5 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 22 | 4.3 | NPPES [2] |
| Non-medical home care | 19 | 3.7 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 11 | 2.2 | NPPES [2] |
| Urgent care | 10 | 2.0 | NPPES [2] |
| Audiology and hearing centers | 9 | 1.8 | NPPES [2] |
| Occupational health and drug testing | 7 | 1.4 | NPPES [2] |
| Imaging centers | 6 | 1.2 | NPPES [2] |
| Clinical and toxicology labs | 6 | 1.2 | NPPES [2] |
| Dermatology | 5 | 1.0 | NPPES [2] |
| Dialysis and infusion centers | 5 | 1.0 | NPPES [2] |
| NEMT and ambulance | 4 | 0.8 | NPPES [2] |
| Hormone, TRT, and men's health clinics | 4 | 0.8 | NPPES [2] |
| Podiatry | 2 | 0.4 | NPPES [2] |
| ASCs and OBLs | 2 | 0.4 | NPPES [2] |
| Hospice and palliative | 2 | 0.4 | NPPES [2] |
| SUD treatment and residential | 1 | 0.2 | NPPES [2] |
| Pain management and interventional | 1 | 0.2 | NPPES [2] |
| Clinical research sites | 1 | 0.2 | NPPES [2] |
| Plastic and cosmetic surgery | 1 | 0.2 | NPPES [2] |
| Medical equipment suppliers | 16 | CMS [4] | |
| Dialysis facilities | 5 | CMS [4] | |
| Home health agencies | 5 | CMS [4] | |
| Ambulatory surgical centers | 1 | CMS [4] |
Physical, occupational, and speech therapy carries 224 of the 1,044 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
Loan activity in Lake County
Lenders in Lake County have already closed 12 healthcare approvals, averaging $325,267, which is the size a new file gets read beside
| What it measures | Value | How to read it |
|---|---|---|
| Healthcare files approved | 12 | Counted for the fiscal year the SBA publishes [5] |
| Dollars behind them | $3,903,200 | Everything approved to healthcare borrowers, added up [5] |
| Typical approval size | $325,267 | The dollar column over the approval column [5] |
| Credit offices operating locally | 150 | Places that write credit locally, NAICS 522 [6] |
What the two tables above change about a file
205.3 per 10,000 is the first number a credit analyst converts into a realistic new-patient count. 12 approvals worth $3,903,200 in Lake County means the size you are asking for has a local precedent to point at. A $79,789 median household income here sets the ceiling on what an elective or cash-pay line can be expected to carry.
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
Built from what is enumerated here rather than from a national list, so a field with no presence in Clermont does not appear. Availability is still a Florida question.
Underwriting by field in Clermont
physical, occupational, and speech therapy, specialty physician groups, primary care and family medicine account for most of what is enumerated in Clermont, so those are the files funders see from this town
| Field | What the file turns on | The capital event behind most requests |
|---|---|---|
| Physical, occupational, and speech therapy (224) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Specialty physician groups (139) | Ancillary revenue contribution, Provider productivity, Payer contracts | Ancillary build-out |
| Primary care and family medicine (127) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
Counts in the first column are Clermont providers from NPPES. The other two columns describe how funders read that field across markets like Clermont, not what any funder will do with your file.
Density beside the neighboring Florida towns
Set Clermont's 205.3 per 10,000 against the towns an appraiser would reach for next
| Comparable | People | Enumerations | Per 10,000 residents | Miles |
|---|---|---|---|---|
| Clermont (current) | 50,851 | 1,044 | 205.3 | |
| Minneola | 19,675 | 65 | 33.0 | 5 |
| Winter Garden | 48,771 | 608 | 124.7 | 8 |
| Groveland | 24,602 | 52 | 21.1 | 10 |
| Ocoee | 51,269 | 555 | 108.3 | 12 |
| Leesburg | 37,815 | 592 | 156.6 | 17 |
| Tavares | 22,007 | 281 | 127.7 | 17 |
Distance, income, and the wage floor around Clermont
Orlando-Kissimmee-Sanford, FL lies 25 miles from Clermont, close enough that appraisers price the lease against Orlando-Kissimmee-Sanford, FL rents while 50,851 residents set the revenue ceiling. Median household income runs $79,789, which is the number a funder converts into case acceptance on anything elective or cash-pay. The Medicare-certified hospital in Clermont sets the local wage floor before you hire against it.
Nearby Florida towns
What owners in Clermont ask
01How many providers practice in Clermont, and in what?
1,044 enumerations sit at Clermont addresses in the monthly NPPES file, working out to 205.3 for every 10,000 residents. 21 percent of them are physical, occupational, and speech therapy, and specialty physician groups follows with 139. An enumeration is a clinician, so the 1,044 here cover fewer than 1,044 practices.
02Which fields carry the volume in Clermont?
Volume concentrates in physical, occupational, and speech therapy, 224 of them, ahead of specialty physician groups at 139, across 33 fields. A thin second field usually means a longer search for staff than a pro forma allows for.
03What does Lake County's shortage designation change?
Lake County holds a HRSA designation covering primary care, dental, mental health. A pro forma for Clermont can cite it as the reason a vacancy is fillable, which is usually the weakest line in a ramp schedule.
04How does the hospital in Clermont 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. 11 Medicare-certified providers are located here in total. It also sets the wage floor behind every hire in a 205.3 per 10,000 market.
05Is Clermont underwritten as part of Orlando-Kissimmee-Sanford, FL?
Orlando-Kissimmee-Sanford, FL 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 Orlando-Kissimmee-Sanford, FL; the 50,851 residents set the ceiling a projection can defend.
06What does SBA lending look like around Clermont?
$3,903,200 went to healthcare borrowers in Lake County across 12 approvals, $325,267 on average. Deals near Clermont get sized against that record before anything else.
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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