Florida micro-market
Healthcare practice financing in Pinecrest, Florida
Direct answer
150 healthcare providers hold a Pinecrest practice address, 79.0 per 10,000 of its 18,981 residents, 37 percent of them in physical, occupational, and speech therapy. Miami-Dade County recorded 170 SBA healthcare approvals worth $80,200,800, and Miami-Fort Lauderdale-West Palm Beach, FL sits 10 miles out.
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- Population: 18,981 residents (10K-25K band)1
- Healthcare providers registered here: 150 across 22 fields2
- Median household income: $192,4773
- Largest provider field: Physical, occupational, and speech therapy: 56 registered providers2
- Medicare-certified providers in town: 1 across 1 categories4
- Nearest metro: Miami-Fort Lauderdale-West Palm Beach, FL, 10 miles1
Fields practicing inside Pinecrest
150 providers across 22 fields, 79.0 per 10,000 residents, counted at Pinecrest addresses in the NPPES monthly file
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Physical, occupational, and speech therapy | 56 | 29.5 | NPPES [2] |
| ABA and autism therapy | 18 | 9.5 | NPPES [2] |
| Specialty physician groups | 18 | 9.5 | NPPES [2] |
| Primary care and family medicine | 10 | 5.3 | NPPES [2] |
| Home health | 6 | 3.2 | NPPES [2] |
| General dentistry | 6 | 3.2 | NPPES [2] |
| Optometry and ophthalmology | 6 | 3.2 | NPPES [2] |
| Dental specialties | 4 | 2.1 | NPPES [2] |
| Dermatology | 3 | 1.6 | NPPES [2] |
| DME and HME suppliers | 3 | 1.6 | NPPES [2] |
| Chiropractic | 3 | 1.6 | NPPES [2] |
| Independent pharmacy | 3 | 1.6 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 3 | 1.6 | NPPES [2] |
| Urgent care | 2 | 1.1 | NPPES [2] |
| Audiology and hearing centers | 2 | 1.1 | NPPES [2] |
| Imaging centers | 1 | 0.5 | NPPES [2] |
| Med spa and aesthetics | 1 | 0.5 | NPPES [2] |
| Hormone, TRT, and men's health clinics | 1 | 0.5 | NPPES [2] |
| Behavioral and mental health group practices | 1 | 0.5 | NPPES [2] |
| Clinical and toxicology labs | 1 | 0.5 | NPPES [2] |
| Telehealth and virtual clinics | 1 | 0.5 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 1 | 0.5 | NPPES [2] |
| Medical equipment suppliers | 5 | CMS [4] | |
| Home health agencies | 1 | CMS [4] |
A single Pinecrest practice can hold more than one of these numbers. 37 percent sit in physical, occupational, and speech therapy, counted as clinicians rather than as owners.
Loan activity in Miami-Dade County
The published file shows 170 healthcare approvals in Miami-Dade County, $80,200,800 in total, and that history is what an appraiser and a credit committee reach for
| Line | Amount | Reading and source |
|---|---|---|
| Healthcare files approved | 170 | Counted for the fiscal year the SBA publishes [5] |
| Dollars behind them | $80,200,800 | Everything approved to healthcare borrowers, added up [5] |
| Typical approval size | $471,769 | The dollar column over the approval column [5] |
| Credit offices operating locally | 1,755 | Places that write credit locally, NAICS 522 [6] |
What the two tables above change about a file
A file from here opens on 79.0 providers per 10,000 residents, and everything about volume follows from it. 170 approvals worth $80,200,800 in Miami-Dade County means the size you are asking for has a local precedent to point at. Household income of $192,477 in Pinecrest is the number a lender uses to sanity check the self-pay share of a revenue projection.
Programs the Pinecrest mix reaches for
- Practice acquisition
- Startup and de novo
- Working capital term loan
- Expansion, relocation, and build-out
- Medical receivables factoring
Built from what is enumerated here rather than from a national list, so a field with no presence in Pinecrest does not appear. Availability is still a Florida question.
What a funder reads first in Pinecrest
What a funder opens first depends on the field. In Pinecrest that means physical, occupational, and speech therapy, aba and autism therapy, specialty physician groups.
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| Physical, occupational, and speech therapy (56) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| ABA and autism therapy (18) | Authorized hours against delivered hours, Payer mix stability, Billing compliance history | Working capital against authorization and billing lag |
| Specialty physician groups (18) | Ancillary revenue contribution, Provider productivity, Payer contracts | Ancillary build-out |
Column one counts Pinecrest clinicians from the federal file. Columns two and three describe how the field is usually underwritten, and a partner can read a Pinecrest file differently.
Pinecrest against nearby Florida markets
79.0 per 10,000 is the figure a neighboring town gets compared against when an appraiser prices Pinecrest
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Pinecrest (current) | 18,981 | 150 | 79.0 | |
| South Miami | 13,207 | 681 | 515.6 | 3 |
| Palmetto Bay | 25,402 | 326 | 128.3 | 3 |
| Coral Gables | 50,379 | 1,604 | 318.4 | 3 |
| Cutler Bay | 45,833 | 597 | 130.3 | 6 |
| Key Biscayne | 15,111 | 47 | 31.1 | 9 |
| Sweetwater | 21,321 | 52 | 24.4 | 10 |
Distance, income, and the wage floor around Pinecrest
Miami-Fort Lauderdale-West Palm Beach, FL lies 10 miles from Pinecrest, close enough that appraisers price the lease against Miami-Fort Lauderdale-West Palm Beach, FL rents while 18,981 residents set the revenue ceiling. Households here carry $192,477 in median income, and that ceiling decides how much of a treatment plan gets started rather than deferred. Referral flow comes from outside Pinecrest, which a projection needs to state plainly.
Nearby Florida towns
- South Miami 13,207 residents
- Palmetto Bay 25,402 residents
- Coral Gables 50,379 residents
- Cutler Bay 45,833 residents
- Key Biscayne 15,111 residents
- Sweetwater 21,321 residents
Pinecrest owners, answered
01How many providers practice in Pinecrest, and in what?
150 enumerations sit at Pinecrest addresses in the monthly NPPES file, working out to 79.0 for every 10,000 residents. 37 percent of them are physical, occupational, and speech therapy, and aba and autism therapy follows with 18. An enumeration is a clinician, so the 150 here cover fewer than 150 practices.
02What does SBA lending look like around Pinecrest?
The county file behind Pinecrest holds 170 healthcare approvals totaling $80,200,800, an average of $471,769. Those are the loan sizes lenders in Miami-Dade County have already carried.
03Is Pinecrest underwritten as part of Miami-Fort Lauderdale-West Palm Beach, FL?
Partly. Miami-Fort Lauderdale-West Palm Beach, FL is 10 miles out, so rent and equipment comparables travel in from there while patients still come from the 18,981 residents around Pinecrest. Cost side metro, revenue side local.
04What does a $192,477 median income mean for case acceptance?
Median household income in Pinecrest runs $192,477. 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.
05What does Miami-Dade County's shortage designation change?
Miami-Dade County holds a HRSA designation covering primary care, dental, mental health. A pro forma for Pinecrest can cite it as the reason a vacancy is fillable, which is usually the weakest line in a ramp schedule.
06Which fields carry the volume in Pinecrest?
Volume concentrates in physical, occupational, and speech therapy, 56 of them, ahead of aba and autism therapy at 18, across 22 fields. A thin second field usually means a longer search for staff than a pro forma allows for.
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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