Florida micro-market
Healthcare practice financing in Seminole, Florida
Direct answer
407 healthcare providers hold a Seminole practice address, 209.8 per 10,000 of its 19,395 residents, 21 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 21 miles out.
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: 19,395 residents (10K-25K band)1
- Healthcare providers registered here: 407 across 27 fields2
- Median household income: $77,3353
- Largest provider field: Physical, occupational, and speech therapy: 86 registered providers2
- Medicare-certified providers in town: 2 across 2 categories4
- Nearest metro: Tampa-St. Petersburg-Clearwater, FL, 21 miles1
The provider census in Seminole
209.8 providers per 10,000 residents is what 407 enumerations across 27 fields works out to in a town of 19,395
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| Physical, occupational, and speech therapy | 86 | 44.3 | NPPES [2] |
| General dentistry | 50 | 25.8 | NPPES [2] |
| Chiropractic | 39 | 20.1 | NPPES [2] |
| Specialty physician groups | 32 | 16.5 | NPPES [2] |
| Primary care and family medicine | 28 | 14.4 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 26 | 13.4 | NPPES [2] |
| Optometry and ophthalmology | 23 | 11.9 | NPPES [2] |
| ABA and autism therapy | 20 | 10.3 | NPPES [2] |
| Behavioral and mental health group practices | 20 | 10.3 | NPPES [2] |
| Dental specialties | 17 | 8.8 | NPPES [2] |
| DME and HME suppliers | 15 | 7.7 | NPPES [2] |
| Independent pharmacy | 11 | 5.7 | NPPES [2] |
| Home health | 10 | 5.2 | NPPES [2] |
| Podiatry | 4 | 2.1 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 4 | 2.1 | NPPES [2] |
| Dermatology | 3 | 1.5 | NPPES [2] |
| Audiology and hearing centers | 3 | 1.5 | NPPES [2] |
| Dialysis and infusion centers | 3 | 1.5 | NPPES [2] |
| Urgent care | 2 | 1.0 | NPPES [2] |
| SUD treatment and residential | 2 | 1.0 | NPPES [2] |
| Med spa and aesthetics | 2 | 1.0 | NPPES [2] |
| Telehealth and virtual clinics | 2 | 1.0 | NPPES [2] |
| Imaging centers | 1 | 0.5 | NPPES [2] |
| Pain management and interventional | 1 | 0.5 | NPPES [2] |
| NEMT and ambulance | 1 | 0.5 | NPPES [2] |
| Non-medical home care | 1 | 0.5 | NPPES [2] |
| Plastic and cosmetic surgery | 1 | 0.5 | NPPES [2] |
| Medical equipment suppliers | 9 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] | |
| Home health agencies | 1 | CMS [4] |
Several of the 86 physical, occupational, and speech therapy enumerations can belong to one practice, so the column counts clinicians rather than businesses or owners
The lending record behind Seminole
The published file shows 29 healthcare approvals in Pinellas County, $24,156,200 in total, and that history is what an appraiser and a credit committee reach for
| Measure | Published figure | What sits behind it |
|---|---|---|
| Approvals on record | 29 | Counted for the fiscal year the SBA publishes [5] |
| Total approved capital | $24,156,200 | Everything approved to healthcare borrowers, added up [5] |
| Mean deal size | $832,972 | The dollar column over the approval column [5] |
| Lenders sited in the county | 635 | Places that write credit locally, NAICS 522 [6] |
How this data lands in an underwriting decision
Underwriting starts with 209.8 providers per 10,000 residents, because that ratio caps how fast a chair or a room fills. Because Pinellas County already carries $24,156,200 across 29 healthcare approvals, a request near that average moves faster than one well above it. Household income of $77,335 in Seminole is the number a lender uses to sanity check the self-pay share of a revenue projection.
The programs this provider mix points at
- Practice acquisition
- Startup and de novo
- Expansion, relocation, and build-out
- Equipment financing and leasing
- Working capital term loan
Built from what is enumerated here rather than from a national list, so a field with no presence in Seminole does not appear. Availability is still a Florida question.
What a funder reads first in Seminole
physical, occupational, and speech therapy, general dentistry, chiropractic account for most of what is enumerated in Seminole, 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 (86) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| General dentistry (50) | Three years of collections history, Hygiene as a share of collections, Overhead ratio and owner add-backs | Acquisition of an established practice |
| Chiropractic (39) | Cash plan revenue, Personal injury receivable age, Visit volume | Startup or acquisition |
Counts in the first column are Seminole providers from NPPES. The other two columns describe how funders read that field across markets like Seminole, not what any funder will do with your file.
Seminole against nearby Florida markets
209.8 per 10,000 is the figure a neighboring town gets compared against when an appraiser prices Seminole
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Seminole (current) | 19,395 | 407 | 209.8 | |
| Gulfport | 11,645 | 32 | 27.5 | 8 |
| Safety Harbor | 16,972 | 171 | 100.8 | 12 |
| Dunedin | 35,932 | 334 | 93.0 | 13 |
| Oldsmar | 14,831 | 186 | 125.4 | 16 |
| Tarpon Springs | 26,168 | 290 | 110.8 | 21 |
| Palmetto | 13,682 | 230 | 168.1 | 25 |
What the geography does to a Seminole projection
21 miles separate Seminole from Tampa-St. Petersburg-Clearwater, FL. Lease pricing follows Tampa-St. Petersburg-Clearwater, FL, while revenue stays capped by the 19,395 residents here. At $77,335 median household income, the elective and cash-pay share of a projection is the line that gets tested first. No hospital operates here, so the referral sources and the call arrangement have to be named rather than assumed.
Nearby Florida towns
- Gulfport 11,645 residents
- Safety Harbor 16,972 residents
- Dunedin 35,932 residents
- Oldsmar 14,831 residents
- Tarpon Springs 26,168 residents
- Palmetto 13,682 residents
Questions from Seminole
01How many providers practice in Seminole, and in what?
NPPES lists 407 providers at a Seminole practice address, 209.8 per 10,000 residents across 27 tracked fields. Physical, occupational, and speech therapy accounts for 86 of them, 21 percent of the total, with general dentistry next at 50. Read that as clinicians: 407 enumerations, not 407 owners.
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 19,395 residents gets past the question of who would take the job.
03Which fields carry the volume in Seminole?
The 27 enumerated fields are led by physical, occupational, and speech therapy at 86, with general dentistry at 50 behind it. Those two counts double as the competition you are entering and the bench you would hire from.
04What does SBA lending look like around Seminole?
$24,156,200 went to healthcare borrowers in Pinellas County across 29 approvals, $832,972 on average. Deals near Seminole get sized against that record before anything else.
05Is Seminole underwritten as part of Tampa-St. Petersburg-Clearwater, FL?
Tampa-St. Petersburg-Clearwater, FL sits 21 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 19,395 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 Seminole 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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