Florida micro-market
Healthcare practice financing in New Port Richey, Florida
Direct answer
Pasco County carries 3 SBA healthcare approvals worth $2,313,900, and inside New Port Richey the census shows 1,037 enumerated clinicians against 18,130 residents, 572.0 per 10,000, 18 percent of them in physical, occupational, and speech therapy. Tampa-St. Petersburg-Clearwater, FL lies 24 miles away.
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: 18,130 residents (10K-25K band)1
- Healthcare providers registered here: 1,037 across 31 fields2
- Median household income: $46,1603
- Largest provider field: Physical, occupational, and speech therapy: 188 registered providers2
- Medicare-certified providers in town: 9 across 3 categories4
- Nearest metro: Tampa-St. Petersburg-Clearwater, FL, 24 miles1
Fields practicing inside New Port Richey
The NPPES file puts 1,037 enumerated clinicians inside New Port Richey, spread over 31 fields at 572.0 per 10,000 residents
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Physical, occupational, and speech therapy | 188 | 103.7 | NPPES [2] |
| Primary care and family medicine | 116 | 64.0 | NPPES [2] |
| Specialty physician groups | 108 | 59.6 | NPPES [2] |
| Chiropractic | 86 | 47.4 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 60 | 33.1 | NPPES [2] |
| General dentistry | 58 | 32.0 | NPPES [2] |
| Optometry and ophthalmology | 52 | 28.7 | NPPES [2] |
| Home health | 40 | 22.1 | NPPES [2] |
| ABA and autism therapy | 40 | 22.1 | NPPES [2] |
| DME and HME suppliers | 39 | 21.5 | NPPES [2] |
| Independent pharmacy | 38 | 21.0 | NPPES [2] |
| Behavioral and mental health group practices | 33 | 18.2 | NPPES [2] |
| Dental specialties | 28 | 15.4 | NPPES [2] |
| Med spa and aesthetics | 27 | 14.9 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 21 | 11.6 | NPPES [2] |
| Non-medical home care | 18 | 9.9 | NPPES [2] |
| Audiology and hearing centers | 16 | 8.8 | NPPES [2] |
| Podiatry | 10 | 5.5 | NPPES [2] |
| Telehealth and virtual clinics | 9 | 5.0 | NPPES [2] |
| Dermatology | 8 | 4.4 | NPPES [2] |
| SUD treatment and residential | 8 | 4.4 | NPPES [2] |
| ASCs and OBLs | 7 | 3.9 | NPPES [2] |
| Pain management and interventional | 7 | 3.9 | NPPES [2] |
| Clinical and toxicology labs | 5 | 2.8 | NPPES [2] |
| Urgent care | 3 | 1.7 | NPPES [2] |
| NEMT and ambulance | 3 | 1.7 | NPPES [2] |
| Occupational health and drug testing | 3 | 1.7 | NPPES [2] |
| Imaging centers | 2 | 1.1 | NPPES [2] |
| Mobile diagnostics | 2 | 1.1 | NPPES [2] |
| Plastic and cosmetic surgery | 1 | 0.6 | NPPES [2] |
| Dialysis and infusion centers | 1 | 0.6 | NPPES [2] |
| Medical equipment suppliers | 21 | CMS [4] | |
| Ambulatory surgical centers | 4 | CMS [4] | |
| Home health agencies | 4 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] |
A single New Port Richey 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.
Loan activity in Pasco County
3 healthcare approvals sit in the county file, so an appraiser here works from a short comparable set
| Line | Amount | Reading and source |
|---|---|---|
| Healthcare files approved | 3 | Counted for the fiscal year the SBA publishes [5] |
| Dollars behind them | $2,313,900 | Everything approved to healthcare borrowers, added up [5] |
| Typical approval size | $771,300 | The dollar column over the approval column [5] |
| Credit offices operating locally | 207 | Places that write credit locally, NAICS 522 [6] |
The consequence of these numbers
Density of 572.0 per 10,000 sets the patient draw a projection can claim without an argument. With 3 approvals on record in Pasco County, expect a longer appraisal and a wider collateral discount. With $46,160 as the median household income, the payer mix in a projection has to match what New Port Richey households actually spend.
Programs the New Port Richey mix reaches for
- Practice acquisition
- Startup and de novo
- Expansion, relocation, and build-out
- Working capital term loan
- Equipment financing and leasing
Ranked from the 31 fields that actually practice in New Port Richey, weighted toward physical, occupational, and speech therapy. Availability still depends on Florida and on the funding partner.
The first pages of a New Port Richey file
What a funder opens first depends on the field. In New Port Richey that means physical, occupational, and speech therapy, primary care and family medicine, specialty physician groups.
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| Physical, occupational, and speech therapy (188) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Primary care and family medicine (116) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| Specialty physician groups (108) | Ancillary revenue contribution, Provider productivity, Payer contracts | Ancillary build-out |
The first column is New Port Richey's own NPPES count. The rest is how the field is generally underwritten, whether the address is New Port Richey or anywhere else.
How New Port Richey prices against its neighbors
Comparables travel. These are the Florida towns whose density, at 572.0 per 10,000 here, gets weighed beside this one.
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| New Port Richey (current) | 18,130 | 1,037 | 572.0 | |
| Tarpon Springs | 26,168 | 290 | 110.8 | 8 |
| Oldsmar | 14,831 | 186 | 125.4 | 14 |
| Dunedin | 35,932 | 334 | 93.0 | 15 |
| Safety Harbor | 16,972 | 171 | 100.8 | 17 |
| Temple Terrace | 27,588 | 456 | 165.3 | 25 |
| Seminole | 19,395 | 407 | 209.8 | 28 |
Distance, income, and the wage floor around New Port Richey
Tampa-St. Petersburg-Clearwater, FL lies 24 miles from New Port Richey, close enough that appraisers price the lease against Tampa-St. Petersburg-Clearwater, FL rents while 18,130 residents set the revenue ceiling. Median household income runs $46,160, which is the number a funder converts into case acceptance on anything elective or cash-pay. Because a certified hospital sits inside the town, both the referral path and the pay a clinical hire expects are already observable. Campus terms, not calendar quarters, set the busy months in New Port Richey.
More of Florida
- Tarpon Springs 26,168 residents
- Oldsmar 14,831 residents
- Dunedin 35,932 residents
- Safety Harbor 16,972 residents
- Temple Terrace 27,588 residents
- Seminole 19,395 residents
Questions from New Port Richey
01How many providers practice in New Port Richey, and in what?
Across 31 fields, New Port Richey carries 1,037 enumerated clinicians, 572.0 per 10,000 of the 18,130 people living here. The concentration is in physical, occupational, and speech therapy, 188 of the total, then primary care and family medicine at 116. Count practices from that only with care.
02What does Pasco County's shortage designation change?
Pasco County holds a HRSA designation covering primary care, dental, mental health. A pro forma for New Port Richey can cite it as the reason a vacancy is fillable, which is usually the weakest line in a ramp schedule.
03Why does Pasco County show so little SBA activity?
Pasco County shows 3 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. 207 lending establishments operate locally.
04Which fields carry the volume in New Port Richey?
Physical, occupational, and speech therapy at 188 providers and primary care and family medicine at 116 lead the 31 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.
05Is New Port Richey underwritten as part of Tampa-St. Petersburg-Clearwater, FL?
Comparables and demand split at 24 miles. An appraiser prices the lease and the equipment off Tampa-St. Petersburg-Clearwater, FL; the revenue line has to hold up against 18,130 local residents.
06Is there local lending capacity in Pasco County?
County Business Patterns records 207 credit intermediation establishments in Pasco County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen New Port Richey rents and resale before or by somebody working from a screen.
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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