Florida micro-market
Healthcare practice financing in Lady Lake, Florida
Direct answer
292 healthcare providers hold a Lady Lake practice address, 168.9 per 10,000 of its 17,288 residents, 18 percent of them in physical, occupational, and speech therapy. Lake County recorded 12 SBA healthcare approvals worth $3,903,200, and Wildwood-The Villages, FL sits 9 miles out.
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- Population: 17,288 residents (10K-25K band)1
- Healthcare providers registered here: 292 across 27 fields2
- Median household income: $47,2603
- Largest provider field: Physical, occupational, and speech therapy: 53 registered providers2
- Medicare-certified providers in town: 10 across 3 categories4
- Nearest metro: Wildwood-The Villages, FL, 9 miles1
What NPPES records at Lady Lake addresses
The NPPES file puts 292 enumerated clinicians inside Lady Lake, spread over 27 fields at 168.9 per 10,000 residents
| Practice type | Count | Rate per 10,000 residents | Published by |
|---|---|---|---|
| Physical, occupational, and speech therapy | 53 | 30.7 | NPPES [2] |
| Specialty physician groups | 40 | 23.1 | NPPES [2] |
| Chiropractic | 26 | 15.0 | NPPES [2] |
| General dentistry | 26 | 15.0 | NPPES [2] |
| Primary care and family medicine | 24 | 13.9 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 17 | 9.8 | NPPES [2] |
| Home health | 10 | 5.8 | NPPES [2] |
| DME and HME suppliers | 9 | 5.2 | NPPES [2] |
| Independent pharmacy | 8 | 4.6 | NPPES [2] |
| Med spa and aesthetics | 8 | 4.6 | NPPES [2] |
| Optometry and ophthalmology | 8 | 4.6 | NPPES [2] |
| Telehealth and virtual clinics | 8 | 4.6 | NPPES [2] |
| Non-medical home care | 7 | 4.0 | NPPES [2] |
| Dental specialties | 6 | 3.5 | NPPES [2] |
| Behavioral and mental health group practices | 6 | 3.5 | NPPES [2] |
| Dermatology | 5 | 2.9 | NPPES [2] |
| Pain management and interventional | 5 | 2.9 | NPPES [2] |
| ASCs and OBLs | 4 | 2.3 | NPPES [2] |
| Dialysis and infusion centers | 4 | 2.3 | NPPES [2] |
| Urgent care | 3 | 1.7 | NPPES [2] |
| Audiology and hearing centers | 3 | 1.7 | NPPES [2] |
| Hormone, TRT, and men's health clinics | 3 | 1.7 | NPPES [2] |
| Plastic and cosmetic surgery | 3 | 1.7 | NPPES [2] |
| Podiatry | 2 | 1.2 | NPPES [2] |
| Occupational health and drug testing | 2 | 1.2 | NPPES [2] |
| NEMT and ambulance | 1 | 0.6 | NPPES [2] |
| Clinical and toxicology labs | 1 | 0.6 | NPPES [2] |
| Medical equipment suppliers | 10 | CMS [4] | |
| Ambulatory surgical centers | 4 | CMS [4] | |
| Dialysis facilities | 4 | CMS [4] | |
| Home health agencies | 2 | CMS [4] |
A single Lady Lake practice can hold more than one of these numbers. 18 percent sit in physical, occupational, and speech therapy, counted as clinicians rather than as owners.
The lending record behind Lady Lake
Lenders in Lake County have already closed 12 healthcare approvals, averaging $325,267, which is the size a new file gets read beside
| Line | Amount | Reading and source |
|---|---|---|
| Approvals on record | 12 | Counted for the fiscal year the SBA publishes [5] |
| Total approved capital | $3,903,200 | Everything approved to healthcare borrowers, added up [5] |
| Mean deal size | $325,267 | The dollar column over the approval column [5] |
| Lenders sited in the county | 150 | Places that write credit locally, NAICS 522 [6] |
What the two tables above change about a file
168.9 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 $47,260 median household income here sets the ceiling on what an elective or cash-pay line can be expected to carry.
Programs the Lady Lake mix reaches for
- Practice acquisition
- Startup and de novo
- Expansion, relocation, and build-out
- Equipment financing and leasing
- Working capital term loan
Built from what is enumerated here rather than from a national list, so a field with no presence in Lady Lake does not appear. Availability is still a Florida question.
Underwriting by field in Lady Lake
Drawn from the fields that actually practice here: physical, occupational, and speech therapy, specialty physician groups, chiropractic
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| Physical, occupational, and speech therapy (53) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Specialty physician groups (40) | Ancillary revenue contribution, Provider productivity, Payer contracts | Ancillary build-out |
| Chiropractic (26) | Cash plan revenue, Personal injury receivable age, Visit volume | Startup or acquisition |
The first column is Lady Lake's own NPPES count. The rest is how the field is generally underwritten, whether the address is Lady Lake or anywhere else.
Density beside the neighboring Florida towns
Set Lady Lake's 168.9 per 10,000 against the towns an appraiser would reach for next
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Lady Lake (current) | 17,288 | 292 | 168.9 | |
| Wildwood | 19,031 | 93 | 48.9 | 9 |
| Leesburg | 37,815 | 592 | 156.6 | 14 |
| Tavares | 22,007 | 281 | 127.7 | 15 |
| Eustis | 25,067 | 267 | 106.5 | 16 |
| Mount Dora | 18,261 | 290 | 158.8 | 20 |
| Groveland | 24,602 | 52 | 21.1 | 21 |
How Lady Lake sits against the nearest metro
9 miles separate Lady Lake from Wildwood-The Villages, FL. Lease pricing follows Wildwood-The Villages, FL, while revenue stays capped by the 17,288 residents here. Households here carry $47,260 in median income, and that ceiling decides how much of a treatment plan gets started rather than deferred. With no hospital in town, a projection has to name where referrals and coverage come from.
Nearby Florida towns
What owners in Lady Lake ask
01How many providers practice in Lady Lake, and in what?
Across 27 fields, Lady Lake carries 292 enumerated clinicians, 168.9 per 10,000 of the 17,288 people living here. The concentration is in physical, occupational, and speech therapy, 53 of the total, then specialty physician groups at 40. Count practices from that only with care.
02What does Lake County's shortage designation change?
Lake County holds a HRSA designation covering primary care, dental, mental health. A pro forma for Lady Lake can cite it as the reason a vacancy is fillable, which is usually the weakest line in a ramp schedule.
03Is Lady Lake underwritten as part of Wildwood-The Villages, FL?
Comparables and demand split at 9 miles. An appraiser prices the lease and the equipment off Wildwood-The Villages, FL; the revenue line has to hold up against 17,288 local residents.
04What does SBA lending look like around Lady Lake?
Healthcare borrowers in Lake County took 12 approvals worth $3,903,200 in the published fiscal year, averaging $325,267. That is the comparable set an appraiser near Lady Lake reaches for first.
05Is there local lending capacity in Lake County?
County Business Patterns records 150 credit intermediation establishments in Lake County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Lady Lake rents and resale before or by somebody working from a screen.
06How many Medicare-certified providers are based in Lady Lake?
Care Compare lists 10 certified providers with a Lady Lake address. That count is a proxy for how much of the local revenue arrives on a federal payment cycle rather than at the front desk.
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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