Florida micro-market
Healthcare practice financing in Lake Mary, Florida
Direct answer
16,989 residents, 810 enumerated clinicians, 476.8 per 10,000, 27 percent of them in physical, occupational, and speech therapy: that is the Lake Mary market a funder prices. Seminole County adds 19 healthcare approvals worth $15,855,900 and 13 miles of distance to Deltona-Daytona Beach-Ormond Beach, FL.
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: 16,989 residents (10K-25K band)1
- Healthcare providers registered here: 810 across 33 fields2
- Median household income: $116,9443
- Largest provider field: Physical, occupational, and speech therapy: 222 registered providers2
- Medicare-certified providers in town: 11 across 3 categories4
- Nearest metro: Deltona-Daytona Beach-Ormond Beach, FL, 13 miles1
Lake Mary clinicians, by field
Counted at the town's own addresses: 810 providers, 33 fields, 476.8 clinicians per 10,000 of the 16,989 residents here
| Practice type | Count | Rate per 10,000 residents | Published by |
|---|---|---|---|
| Physical, occupational, and speech therapy | 222 | 130.7 | NPPES [2] |
| Specialty physician groups | 86 | 50.6 | NPPES [2] |
| Primary care and family medicine | 83 | 48.9 | NPPES [2] |
| ABA and autism therapy | 64 | 37.7 | NPPES [2] |
| Chiropractic | 50 | 29.4 | NPPES [2] |
| General dentistry | 47 | 27.7 | NPPES [2] |
| Optometry and ophthalmology | 29 | 17.1 | NPPES [2] |
| DME and HME suppliers | 27 | 15.9 | NPPES [2] |
| Home health | 23 | 13.5 | NPPES [2] |
| Independent pharmacy | 20 | 11.8 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 20 | 11.8 | NPPES [2] |
| Behavioral and mental health group practices | 18 | 10.6 | NPPES [2] |
| Med spa and aesthetics | 17 | 10.0 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 13 | 7.7 | NPPES [2] |
| Dental specialties | 12 | 7.1 | NPPES [2] |
| Non-medical home care | 9 | 5.3 | NPPES [2] |
| Podiatry | 8 | 4.7 | NPPES [2] |
| ASCs and OBLs | 8 | 4.7 | NPPES [2] |
| Telehealth and virtual clinics | 8 | 4.7 | NPPES [2] |
| Plastic and cosmetic surgery | 7 | 4.1 | NPPES [2] |
| Occupational health and drug testing | 6 | 3.5 | NPPES [2] |
| Dermatology | 5 | 2.9 | NPPES [2] |
| Urgent care | 5 | 2.9 | NPPES [2] |
| Imaging centers | 5 | 2.9 | NPPES [2] |
| Hormone, TRT, and men's health clinics | 5 | 2.9 | NPPES [2] |
| Audiology and hearing centers | 3 | 1.8 | NPPES [2] |
| Pain management and interventional | 2 | 1.2 | NPPES [2] |
| Fertility and IVF | 2 | 1.2 | NPPES [2] |
| Clinical and toxicology labs | 2 | 1.2 | NPPES [2] |
| SUD treatment and residential | 1 | 0.6 | NPPES [2] |
| Mobile diagnostics | 1 | 0.6 | NPPES [2] |
| IV hydration and infusion | 1 | 0.6 | NPPES [2] |
| Dialysis and infusion centers | 1 | 0.6 | NPPES [2] |
| Medical equipment suppliers | 15 | CMS [4] | |
| Ambulatory surgical centers | 7 | CMS [4] | |
| Home health agencies | 3 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] |
Several of the 222 physical, occupational, and speech therapy enumerations can belong to one practice, so the column counts clinicians rather than businesses or owners
What lenders have already approved in Seminole County
Lenders in Seminole County have already closed 19 healthcare approvals, averaging $834,521, which is the size a new file gets read beside
| Measure | Published figure | What sits behind it |
|---|---|---|
| Approvals on record | 19 | Counted for the fiscal year the SBA publishes [5] |
| Total approved capital | $15,855,900 | Everything approved to healthcare borrowers, added up [5] |
| Mean deal size | $834,521 | The dollar column over the approval column [5] |
| Lenders sited in the county | 284 | Places that write credit locally, NAICS 522 [6] |
How this data lands in an underwriting decision
The ratio that matters up front is 476.8 per 10,000, which decides whether a ramp schedule reads as conservative. A request measured against 19 prior Seminole County approvals is priced on precedent, which shortens the questions about valuation. A $116,944 median household income here sets the ceiling on what an elective or cash-pay line can be expected to carry.
The programs this provider mix points at
- Practice acquisition
- Startup and de novo
- Working capital term loan
- Expansion, relocation, and build-out
- Equipment financing and leasing
Ranked from the 33 fields that actually practice in Lake Mary, weighted toward physical, occupational, and speech therapy. Availability still depends on Florida and on the funding partner.
The first pages of a Lake Mary file
Drawn from the fields that actually practice here: physical, occupational, and speech therapy, specialty physician groups, primary care and family medicine
| Practice type | The pages that decide it | Typical capital event |
|---|---|---|
| Physical, occupational, and speech therapy (222) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Specialty physician groups (86) | Ancillary revenue contribution, Provider productivity, Payer contracts | Ancillary build-out |
| Primary care and family medicine (83) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
The first column is Lake Mary's own NPPES count. The rest is how the field is generally underwritten, whether the address is Lake Mary or anywhere else.
Lake Mary against nearby Florida markets
Set Lake Mary's 476.8 per 10,000 against the towns an appraiser would reach for next
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Lake Mary (current) | 16,989 | 810 | 476.8 | |
| Longwood | 17,089 | 651 | 380.9 | 4 |
| Winter Springs | 39,822 | 236 | 59.3 | 6 |
| Casselberry | 31,650 | 264 | 83.4 | 7 |
| Altamonte Springs | 47,261 | 863 | 182.6 | 8 |
| DeBary | 23,468 | 139 | 59.2 | 8 |
| Maitland | 19,776 | 551 | 278.6 | 9 |
What the geography does to a Lake Mary projection
13 miles separate Lake Mary from Deltona-Daytona Beach-Ormond Beach, FL. Lease pricing follows Deltona-Daytona Beach-Ormond Beach, FL, while revenue stays capped by the 16,989 residents here. Households here carry $116,944 in median income, and that ceiling decides how much of a treatment plan gets started rather than deferred. Referral flow comes from outside Lake Mary, which a projection needs to state plainly.
Nearby Florida towns
- Longwood 17,089 residents
- Winter Springs 39,822 residents
- Casselberry 31,650 residents
- Altamonte Springs 47,261 residents
- DeBary 23,468 residents
- Maitland 19,776 residents
Lake Mary owners, answered
01How many providers practice in Lake Mary, and in what?
810 enumerations sit at Lake Mary addresses in the monthly NPPES file, working out to 476.8 for every 10,000 residents. 27 percent of them are physical, occupational, and speech therapy, and specialty physician groups follows with 86. An enumeration is a clinician, so the 810 here cover fewer than 810 practices.
02What does Seminole County's shortage designation change?
Seminole County holds a HRSA designation covering primary care, dental, mental health. A pro forma for Lake Mary can cite it as the reason a vacancy is fillable, which is usually the weakest line in a ramp schedule.
03Which fields carry the volume in Lake Mary?
Physical, occupational, and speech therapy at 222 providers and specialty physician groups at 86 lead the 33 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.
04Is Lake Mary underwritten as part of Deltona-Daytona Beach-Ormond Beach, FL?
Deltona-Daytona Beach-Ormond Beach, FL sits 13 miles away, close enough that appraisers reach into that market for rent and resale comparables while your patient draw stays local. The comparables read Deltona-Daytona Beach-Ormond Beach, FL; the 16,989 residents set the ceiling a projection can defend.
05What does a $116,944 median income mean for case acceptance?
Median household income in Lake Mary runs $116,944. On elective and cash-pay work that is the number a funder converts into case acceptance, and it sets how much of a treatment plan a projection can assume gets started rather than deferred.
06What does SBA lending look like around Lake Mary?
Healthcare borrowers in Seminole County took 19 approvals worth $15,855,900 in the published fiscal year, averaging $834,521. That is the comparable set an appraiser near Lake Mary reaches for first.
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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