Florida micro-market
Healthcare practice financing in Marathon, Florida
Direct answer
105 healthcare providers hold a Marathon practice address, 104.6 per 10,000 of its 10,039 residents, 17 percent of them in behavioral and mental health group practices. Monroe County recorded 0 SBA healthcare approvals worth $0, and Miami-Fort Lauderdale-West Palm Beach, FL sits 88 miles out.
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- Population: 10,039 residents (10K-25K band)1
- Healthcare providers registered here: 105 across 24 fields2
- Median household income: $80,5563
- Largest provider field: Behavioral and mental health group practices: 18 registered providers2
- Nearest metro: Miami-Fort Lauderdale-West Palm Beach, FL, 88 miles1
- Hospital: A Medicare-certified hospital operates in the town4
Fields practicing inside Marathon
104.6 providers per 10,000 residents is what 105 enumerations across 24 fields works out to in a town of 10,039
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| Behavioral and mental health group practices | 18 | 17.9 | NPPES [2] |
| Primary care and family medicine | 17 | 16.9 | NPPES [2] |
| Physical, occupational, and speech therapy | 10 | 10.0 | NPPES [2] |
| Chiropractic | 7 | 7.0 | NPPES [2] |
| General dentistry | 7 | 7.0 | NPPES [2] |
| Specialty physician groups | 7 | 7.0 | NPPES [2] |
| Optometry and ophthalmology | 6 | 6.0 | NPPES [2] |
| DME and HME suppliers | 4 | 4.0 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 4 | 4.0 | NPPES [2] |
| Dental specialties | 3 | 3.0 | NPPES [2] |
| NEMT and ambulance | 3 | 3.0 | NPPES [2] |
| Plastic and cosmetic surgery | 3 | 3.0 | NPPES [2] |
| Home health | 2 | 2.0 | NPPES [2] |
| ABA and autism therapy | 2 | 2.0 | NPPES [2] |
| Clinical research sites | 2 | 2.0 | NPPES [2] |
| Clinical and toxicology labs | 2 | 2.0 | NPPES [2] |
| Urgent care | 1 | 1.0 | NPPES [2] |
| SUD treatment and residential | 1 | 1.0 | NPPES [2] |
| Independent pharmacy | 1 | 1.0 | NPPES [2] |
| Non-medical home care | 1 | 1.0 | NPPES [2] |
| Hospice and palliative | 1 | 1.0 | NPPES [2] |
| Med spa and aesthetics | 1 | 1.0 | NPPES [2] |
| Telehealth and virtual clinics | 1 | 1.0 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 1 | 1.0 | NPPES [2] |
| Medical equipment suppliers | 3 | CMS [4] |
Behavioral and mental health group practices carries 18 of the 105 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
What lenders have already approved in Monroe County
0 healthcare approvals sit in the county file, so an appraiser here works from a short comparable set
| What it measures | Value | How to read it |
|---|---|---|
| Approvals on record | 0 | Counted for the fiscal year the SBA publishes [5] |
| Total approved capital | $0 | Everything approved to healthcare borrowers, added up [5] |
| Mean deal size | No approvals recorded | The dollar column over the approval column [5] |
| Lenders sited in the county | 59 | Places that write credit locally, NAICS 522 [6] |
What the two tables above change about a file
Underwriting starts with 104.6 providers per 10,000 residents, because that ratio caps how fast a chair or a room fills. Monroe County has 0 approvals to compare against, so plan for extra appraisal time and a conservative valuation. With $80,556 as the median household income, the payer mix in a projection has to match what Marathon households actually spend.
Where a file from this town usually lands
- Practice acquisition
- Working capital term loan
- Expansion, relocation, and build-out
- Startup and de novo
- Equipment financing and leasing
The 24 fields practicing locally set this order. A funding partner, not this list, decides what is available in Florida.
The first pages of a Marathon file
behavioral and mental health group practices, primary care and family medicine, physical, occupational, and speech therapy account for most of what is enumerated in Marathon, so those are the files funders see from this town
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| Behavioral and mental health group practices (18) | Clinician retention and productivity, Payer mix and Medicaid concentration, Re-authorization and session limit exposure | Working capital through the credentialing lag |
| Primary care and family medicine (17) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| Physical, occupational, and speech therapy (10) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
NPPES supplies the Marathon counts. The reading columns describe the field in general, and no partner reviewing a Marathon file is bound by them.
How Marathon prices against its neighbors
Comparables travel. These are the Florida towns whose density, at 104.6 per 10,000 here, gets weighed beside this one.
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Marathon (current) | 10,039 | 105 | 104.6 | |
| Key West | 25,240 | 295 | 116.9 | 48 |
| Homestead | 85,796 | 1,362 | 158.7 | 62 |
| Cutler Bay | 45,833 | 597 | 130.3 | 73 |
| Palmetto Bay | 25,402 | 326 | 128.3 | 76 |
| Pinecrest | 18,981 | 150 | 79.0 | 79 |
| Coral Gables | 50,379 | 1,604 | 318.4 | 81 |
What the geography does to a Marathon projection
88 miles separate Marathon from Miami-Fort Lauderdale-West Palm Beach, FL. Equipment sold at that distance has no local buyer, and the advance rate carries the discount. At $80,556 median household income, the elective and cash-pay share of a projection is the line that gets tested first. Wages here are anchored by the Medicare-certified hospital in town, which is what a staffing line gets measured against.
Nearby Florida towns
- Key West 25,240 residents
- Homestead 85,796 residents
- Cutler Bay 45,833 residents
- Palmetto Bay 25,402 residents
- Pinecrest 18,981 residents
- Coral Gables 50,379 residents
What owners in Marathon ask
01How many providers practice in Marathon, and in what?
NPPES lists 105 providers at a Marathon practice address, 104.6 per 10,000 residents across 24 tracked fields. Behavioral and mental health group practices accounts for 18 of them, 17 percent of the total, with primary care and family medicine next at 17. Read that as clinicians: 105 enumerations, not 105 owners.
02Does being 88 miles out change the underwriting?
Miami-Fort Lauderdale-West Palm Beach, FL is 88 miles away, far enough that rent and equipment resale comparables get pulled from Monroe County rather than a metro market. At 88 miles the appraisal window runs longer and equipment resale gets discounted.
03What does Monroe County's shortage designation change?
Monroe County holds a HRSA designation covering primary care, dental, mental health. A pro forma for Marathon can cite it as the reason a vacancy is fillable, which is usually the weakest line in a ramp schedule.
04Why does Monroe County show so little SBA activity?
Monroe County shows 0 approvals in the SBA healthcare file, which means an appraiser reaches outside the county for comparables. Few sales, not weak credit, is the usual reason. 59 lending establishments operate locally.
05How does the hospital in Marathon 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. It also sets the wage floor behind every hire in a 104.6 per 10,000 market.
06Which fields carry the volume in Marathon?
Behavioral and mental health group practices at 18 providers and primary care and family medicine at 17 lead the 24 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.
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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