Florida micro-market
Healthcare practice financing in Oldsmar, Florida
Direct answer
186 healthcare providers hold a Oldsmar practice address, 125.4 per 10,000 of its 14,831 residents, 30 percent of them in physical, occupational, and speech therapy. Pinellas County recorded 29 SBA healthcare approvals worth $24,156,200, and Tampa-St. Petersburg-Clearwater, FL sits 13 miles out.
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- Population: 14,831 residents (10K-25K band)1
- Healthcare providers registered here: 186 across 23 fields2
- Median household income: $76,1003
- Largest provider field: Physical, occupational, and speech therapy: 55 registered providers2
- Medicare-certified providers in town: 5 across 1 categories4
- Nearest metro: Tampa-St. Petersburg-Clearwater, FL, 13 miles1
The provider census in Oldsmar
125.4 providers per 10,000 residents is what 186 enumerations across 23 fields works out to in a town of 14,831
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| Physical, occupational, and speech therapy | 55 | 37.1 | NPPES [2] |
| Home health | 17 | 11.5 | NPPES [2] |
| Chiropractic | 16 | 10.8 | NPPES [2] |
| Primary care and family medicine | 14 | 9.4 | NPPES [2] |
| General dentistry | 14 | 9.4 | NPPES [2] |
| ABA and autism therapy | 12 | 8.1 | NPPES [2] |
| Med spa and aesthetics | 12 | 8.1 | NPPES [2] |
| DME and HME suppliers | 9 | 6.1 | NPPES [2] |
| Specialty physician groups | 9 | 6.1 | NPPES [2] |
| Optometry and ophthalmology | 6 | 4.0 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 4 | 2.7 | NPPES [2] |
| Dental specialties | 2 | 1.3 | NPPES [2] |
| Non-medical home care | 2 | 1.3 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 2 | 1.3 | NPPES [2] |
| Clinical and toxicology labs | 2 | 1.3 | NPPES [2] |
| Telehealth and virtual clinics | 2 | 1.3 | NPPES [2] |
| Occupational health and drug testing | 2 | 1.3 | NPPES [2] |
| Urgent care | 1 | 0.7 | NPPES [2] |
| Pain management and interventional | 1 | 0.7 | NPPES [2] |
| Independent pharmacy | 1 | 0.7 | NPPES [2] |
| Hospice and palliative | 1 | 0.7 | NPPES [2] |
| Behavioral and mental health group practices | 1 | 0.7 | NPPES [2] |
| Plastic and cosmetic surgery | 1 | 0.7 | NPPES [2] |
| Home health agencies | 5 | CMS [4] | |
| Medical equipment suppliers | 4 | CMS [4] |
A single Oldsmar practice can hold more than one of these numbers. 30 percent sit in physical, occupational, and speech therapy, counted as clinicians rather than as owners.
Pinellas County approvals, dollars, and lending establishments
Lenders in Pinellas County have already closed 29 healthcare approvals, averaging $832,972, which is the size a new file gets read beside
| Line | Amount | Reading and source |
|---|---|---|
| SBA healthcare approvals | 29 | Fiscal year published in the SBA file [5] |
| Approved dollars | $24,156,200 | Sum of approvals to healthcare borrowers [5] |
| Average approval | $832,972 | Dollars divided by approvals [5] |
| Lending establishments in the county | 635 | Credit intermediation establishments, NAICS 522 [6] |
How this data lands in an underwriting decision
At 125.4 clinicians per 10,000 residents, the catchment radius in a projection has to be defended rather than assumed. A request measured against 29 prior Pinellas County approvals is priced on precedent, which shortens the questions about valuation. With $76,100 as the median household income, the payer mix in a projection has to match what Oldsmar households actually spend.
Programs the Oldsmar mix reaches for
- Practice acquisition
- Startup and de novo
- Working capital term loan
- Expansion, relocation, and build-out
- Medical receivables factoring
The 23 fields practicing locally set this order. A funding partner, not this list, decides what is available in Florida.
The first pages of a Oldsmar file
physical, occupational, and speech therapy, home health, chiropractic account for most of what is enumerated in Oldsmar, so those are the files funders see from this town
| Field | What the file turns on | The capital event behind most requests |
|---|---|---|
| Physical, occupational, and speech therapy (55) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Home health (17) | Medicare certification first, Payer mix second, Days in accounts receivable third | Payroll between visit and remittance |
| Chiropractic (16) | Cash plan revenue, Personal injury receivable age, Visit volume | Startup or acquisition |
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.
How Oldsmar prices against its neighbors
125.4 per 10,000 is the figure a neighboring town gets compared against when an appraiser prices Oldsmar
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Oldsmar (current) | 14,831 | 186 | 125.4 | |
| Safety Harbor | 16,972 | 171 | 100.8 | 3 |
| Dunedin | 35,932 | 334 | 93.0 | 8 |
| Tarpon Springs | 26,168 | 290 | 110.8 | 10 |
| New Port Richey | 18,130 | 1,037 | 572.0 | 14 |
| Seminole | 19,395 | 407 | 209.8 | 16 |
| Temple Terrace | 27,588 | 456 | 165.3 | 18 |
Distance, income, and the wage floor around Oldsmar
Distance to Tampa-St. Petersburg-Clearwater, FL is 13 miles. Appraisers borrow Tampa-St. Petersburg-Clearwater, FL rents, and the 14,831 residents set the ceiling on collections. Median household income runs $76,100, which is the number a funder converts into case acceptance on anything elective or cash-pay. Referral flow comes from outside Oldsmar, which a projection needs to state plainly.
Nearby Florida towns
- Safety Harbor 16,972 residents
- Dunedin 35,932 residents
- Tarpon Springs 26,168 residents
- New Port Richey 18,130 residents
- Seminole 19,395 residents
- Temple Terrace 27,588 residents
Oldsmar owners, answered
01How many providers practice in Oldsmar, and in what?
Across 23 fields, Oldsmar carries 186 enumerated clinicians, 125.4 per 10,000 of the 14,831 people living here. The concentration is in physical, occupational, and speech therapy, 55 of the total, then home health at 17. Count practices from that only with care.
02What does Pinellas County's shortage designation change?
The primary care, dental, mental health designation HRSA carries on Pinellas County is a recruiting instrument: it puts repayment incentives in front of candidates, which is how a hiring plan for 14,831 residents gets past the question of who would take the job.
03Which fields carry the volume in Oldsmar?
Physical, occupational, and speech therapy at 55 providers and home health at 17 lead the 23 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.
04What does SBA lending look like around Oldsmar?
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 Oldsmar reaches for first.
05Is Oldsmar underwritten as part of Tampa-St. Petersburg-Clearwater, FL?
Tampa-St. Petersburg-Clearwater, 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 Tampa-St. Petersburg-Clearwater, FL; the 14,831 residents set the ceiling a projection can defend.
06Is 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 Oldsmar 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
Our team reviews every request within 1 business day. If a funding partner thinks they can help, a specialist from that partner contacts you to discuss next steps.