Florida micro-market
Healthcare practice financing in Gulfport, Florida
Direct answer
Pinellas County carries 29 SBA healthcare approvals worth $24,156,200, and inside Gulfport the census shows 32 enumerated clinicians against 11,645 residents, 27.5 per 10,000, 28 percent of them in chiropractic. Tampa-St. Petersburg-Clearwater, FL lies 21 miles away.
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- Population: 11,645 residents (10K-25K band)1
- Healthcare providers registered here: 32 across 10 fields2
- Median household income: $68,6173
- Largest provider field: Chiropractic: 9 registered providers2
- Nearest metro: Tampa-St. Petersburg-Clearwater, FL, 21 miles1
- SBA healthcare approvals in the county: 29 approvals totaling $24,156,2004
Gulfport clinicians, by field
Counted at the town's own addresses: 32 providers, 10 fields, 27.5 clinicians per 10,000 of the 11,645 residents here
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Chiropractic | 9 | 7.7 | NPPES [2] |
| Physical, occupational, and speech therapy | 9 | 7.7 | NPPES [2] |
| DME and HME suppliers | 4 | 3.4 | NPPES [2] |
| Primary care and family medicine | 3 | 2.6 | NPPES [2] |
| ABA and autism therapy | 2 | 1.7 | NPPES [2] |
| General dentistry | 1 | 0.9 | NPPES [2] |
| Independent pharmacy | 1 | 0.9 | NPPES [2] |
| Specialty physician groups | 1 | 0.9 | NPPES [2] |
| Behavioral and mental health group practices | 1 | 0.9 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 1 | 0.9 | NPPES [2] |
| Medical equipment suppliers | 1 | CMS [5] |
Several of the 9 chiropractic enumerations can belong to one practice, so the column counts clinicians rather than businesses or owners
What lenders have already approved in Pinellas County
Lenders in Pinellas County have already closed 29 healthcare approvals, averaging $832,972, which is the size a new file gets read beside
| Measure | Published figure | What sits behind it |
|---|---|---|
| Healthcare files approved | 29 | Counted for the fiscal year the SBA publishes [4] |
| Dollars behind them | $24,156,200 | Everything approved to healthcare borrowers, added up [4] |
| Typical approval size | $832,972 | The dollar column over the approval column [4] |
| Credit offices operating locally | 635 | Places that write credit locally, NAICS 522 [6] |
How this data lands in an underwriting decision
The ratio that matters up front is 27.5 per 10,000, which decides whether a ramp schedule reads as conservative. A request measured against 29 prior Pinellas County approvals is priced on precedent, which shortens the questions about valuation. With $68,617 as the median household income, the payer mix in a projection has to match what Gulfport households actually spend.
The programs this provider mix points at
- Practice acquisition
- Startup and de novo
- Working capital term loan
- Equipment financing and leasing
- Medical receivables factoring
Built from what is enumerated here rather than from a national list, so a field with no presence in Gulfport does not appear. Availability is still a Florida question.
What a funder reads first in Gulfport
chiropractic, physical, occupational, and speech therapy, dme and hme suppliers account for most of what is enumerated in Gulfport, so those are the files funders see from this town
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| Chiropractic (9) | Cash plan revenue, Personal injury receivable age, Visit volume | Startup or acquisition |
| Physical, occupational, and speech therapy (9) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| DME and HME suppliers (4) | Accreditation and surety bond status, Rental versus sale revenue split, Denial rate and documentation quality | Inventory and rental fleet |
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.
Density beside the neighboring Florida towns
27.5 per 10,000 is the figure a neighboring town gets compared against when an appraiser prices Gulfport
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Gulfport (current) | 11,645 | 32 | 27.5 | |
| Seminole | 19,395 | 407 | 209.8 | 8 |
| Palmetto | 13,682 | 230 | 168.1 | 17 |
| Safety Harbor | 16,972 | 171 | 100.8 | 18 |
| Dunedin | 35,932 | 334 | 93.0 | 21 |
| Oldsmar | 14,831 | 186 | 125.4 | 21 |
| Tarpon Springs | 26,168 | 290 | 110.8 | 28 |
What the geography does to a Gulfport projection
Tampa-St. Petersburg-Clearwater, FL lies 21 miles from Gulfport, close enough that appraisers price the lease against Tampa-St. Petersburg-Clearwater, FL rents while 11,645 residents set the revenue ceiling. At $68,617 median household income, the elective and cash-pay share of a projection is the line that gets tested first. Referral flow comes from outside Gulfport, which a projection needs to state plainly.
More of Florida
- Seminole 19,395 residents
- Palmetto 13,682 residents
- Safety Harbor 16,972 residents
- Dunedin 35,932 residents
- Oldsmar 14,831 residents
- Tarpon Springs 26,168 residents
Gulfport owners, answered
01How many providers practice in Gulfport, and in what?
32 enumerations sit at Gulfport addresses in the monthly NPPES file, working out to 27.5 for every 10,000 residents. 28 percent of them are chiropractic, and physical, occupational, and speech therapy follows with 9. An enumeration is a clinician, so the 32 here cover fewer than 32 practices.
02What does Pinellas County's shortage designation change?
Designated for primary care, dental, mental health, Pinellas 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.
03What does SBA lending look like around Gulfport?
Healthcare borrowers in Pinellas County took 29 approvals worth $24,156,200 in the published fiscal year, averaging $832,972. That is the comparable set an appraiser near Gulfport reaches for first.
04Is Gulfport underwritten as part of Tampa-St. Petersburg-Clearwater, FL?
Partly. Tampa-St. Petersburg-Clearwater, FL is 21 miles out, so rent and equipment comparables travel in from there while patients still come from the 11,645 residents around Gulfport. Cost side metro, revenue side local.
05Is there local lending capacity in Pinellas County?
County Business Patterns records 635 credit intermediation establishments in Pinellas County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Gulfport rents and resale before or by somebody working from a screen.
06What does the underserved designation in Pinellas County support?
Pinellas County carries a medically underserved designation. It evidences unmet demand behind a capacity build, and it opens recruitment programs that make a staffing line in a projection easier to defend than local wage data alone would.
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
- 4U.S. Small Business Administration, 7(a) and 504 approvals
- 5CMS Care Compare provider datasets
- 6U.S. Census Bureau, County Business Patterns 2022
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