Florida micro-market
Healthcare practice financing in Tarpon Springs, Florida
Direct answer
290 healthcare providers hold a Tarpon Springs practice address, 110.8 per 10,000 of its 26,168 residents, 19 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 22 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: 26,168 residents (25K-50K band)1
- Healthcare providers registered here: 290 across 28 fields2
- Median household income: $68,8773
- Largest provider field: Physical, occupational, and speech therapy: 56 registered providers2
- Medicare-certified providers in town: 2 across 2 categories4
- Nearest metro: Tampa-St. Petersburg-Clearwater, FL, 22 miles1
Fields practicing inside Tarpon Springs
The NPPES file puts 290 enumerated clinicians inside Tarpon Springs, spread over 28 fields at 110.8 per 10,000 residents
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Physical, occupational, and speech therapy | 56 | 21.4 | NPPES [2] |
| Chiropractic | 34 | 13.0 | NPPES [2] |
| Optometry and ophthalmology | 33 | 12.6 | NPPES [2] |
| Primary care and family medicine | 30 | 11.5 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 21 | 8.0 | NPPES [2] |
| General dentistry | 14 | 5.4 | NPPES [2] |
| Specialty physician groups | 14 | 5.4 | NPPES [2] |
| Podiatry | 11 | 4.2 | NPPES [2] |
| Home health | 11 | 4.2 | NPPES [2] |
| ABA and autism therapy | 11 | 4.2 | NPPES [2] |
| Independent pharmacy | 10 | 3.8 | NPPES [2] |
| DME and HME suppliers | 8 | 3.1 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 6 | 2.3 | NPPES [2] |
| Behavioral and mental health group practices | 6 | 2.3 | NPPES [2] |
| Telehealth and virtual clinics | 5 | 1.9 | NPPES [2] |
| Non-medical home care | 4 | 1.5 | NPPES [2] |
| Clinical and toxicology labs | 3 | 1.1 | NPPES [2] |
| Dermatology | 2 | 0.8 | NPPES [2] |
| Audiology and hearing centers | 2 | 0.8 | NPPES [2] |
| Urgent care | 1 | 0.4 | NPPES [2] |
| ASCs and OBLs | 1 | 0.4 | NPPES [2] |
| Imaging centers | 1 | 0.4 | NPPES [2] |
| Pain management and interventional | 1 | 0.4 | NPPES [2] |
| NEMT and ambulance | 1 | 0.4 | NPPES [2] |
| Med spa and aesthetics | 1 | 0.4 | NPPES [2] |
| Plastic and cosmetic surgery | 1 | 0.4 | NPPES [2] |
| Dialysis and infusion centers | 1 | 0.4 | NPPES [2] |
| Occupational health and drug testing | 1 | 0.4 | NPPES [2] |
| Medical equipment suppliers | 3 | CMS [4] | |
| Ambulatory surgical centers | 1 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] |
Several of the 56 physical, occupational, and speech therapy enumerations can belong to one practice, so the column counts clinicians rather than businesses or owners
Loan activity in Pinellas County
Lenders in Pinellas County have already closed 29 healthcare approvals, averaging $832,972, which is the size a new file gets read beside
| Measure | Published figure | What sits behind it |
|---|---|---|
| Healthcare files approved | 29 | One published fiscal year, healthcare borrowers only [5] |
| Dollars behind them | $24,156,200 | Approved, not disbursed, and not net of withdrawals [5] |
| Typical approval size | $832,972 | A mean, so one large approval moves it [5] |
| Credit offices operating locally | 635 | Credit intermediation offices sited in the county [6] |
Reading Tarpon Springs the way a credit committee does
A file from here opens on 110.8 providers per 10,000 residents, and everything about volume follows from it. 29 approvals worth $24,156,200 in Pinellas County means the size you are asking for has a local precedent to point at. Household income of $68,877 in Tarpon Springs 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
- Working capital term loan
- Equipment financing and leasing
- Expansion, relocation, and build-out
Built from what is enumerated here rather than from a national list, so a field with no presence in Tarpon Springs does not appear. Availability is still a Florida question.
The first pages of a Tarpon Springs file
What a funder opens first depends on the field. In Tarpon Springs that means physical, occupational, and speech therapy, chiropractic, optometry and ophthalmology.
| Field | What the file turns on | The capital event behind most requests |
|---|---|---|
| Physical, occupational, and speech therapy (56) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Chiropractic (34) | Cash plan revenue, Personal injury receivable age, Visit volume | Startup or acquisition |
| Optometry and ophthalmology (33) | Exam volume and optical capture, Vision plan mix, Inventory turns | Cold start or acquisition |
Column one counts Tarpon Springs clinicians from the federal file. Columns two and three describe how the field is usually underwritten, and a partner can read a Tarpon Springs file differently.
Tarpon Springs against nearby Florida markets
The neighboring markets below are the ones a valuation borrows from when Tarpon Springs has too few sales of its own
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Tarpon Springs (current) | 26,168 | 290 | 110.8 | |
| Dunedin | 35,932 | 334 | 93.0 | 8 |
| New Port Richey | 18,130 | 1,037 | 572.0 | 8 |
| Oldsmar | 14,831 | 186 | 125.4 | 10 |
| Safety Harbor | 16,972 | 171 | 100.8 | 11 |
| Seminole | 19,395 | 407 | 209.8 | 21 |
| Temple Terrace | 27,588 | 456 | 165.3 | 26 |
Distance, income, and the wage floor around Tarpon Springs
Tampa-St. Petersburg-Clearwater, FL lies 22 miles from Tarpon Springs, close enough that appraisers price the lease against Tampa-St. Petersburg-Clearwater, FL rents while 26,168 residents set the revenue ceiling. At $68,877 median household income, the elective and cash-pay share of a projection is the line that gets tested first. A Medicare-certified hospital operates here, so referral flow is verifiable and the clinical wage floor is already set.
More of Florida
- Dunedin 35,932 residents
- New Port Richey 18,130 residents
- Oldsmar 14,831 residents
- Safety Harbor 16,972 residents
- Seminole 19,395 residents
- Temple Terrace 27,588 residents
What owners in Tarpon Springs ask
01How many providers practice in Tarpon Springs, and in what?
290 enumerations sit at Tarpon Springs addresses in the monthly NPPES file, working out to 110.8 for every 10,000 residents. 19 percent of them are physical, occupational, and speech therapy, and chiropractic follows with 34. An enumeration is a clinician, so the 290 here cover fewer than 290 practices.
02What does SBA lending look like around Tarpon Springs?
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 Tarpon Springs reaches for first.
03Is Tarpon Springs underwritten as part of Tampa-St. Petersburg-Clearwater, FL?
Tampa-St. Petersburg-Clearwater, FL sits 22 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 26,168 residents set the ceiling a projection can defend.
04What does Pinellas County's shortage designation change?
Pinellas County holds a HRSA designation covering primary care, dental, mental health. A pro forma for Tarpon Springs can cite it as the reason a vacancy is fillable, which is usually the weakest line in a ramp schedule.
05How does the hospital in Tarpon Springs affect a practice file?
It makes the staffing and referral lines checkable. 2 Medicare-certified providers hold Tarpon Springs addresses, and the hospital sets the wage a clinical hire is bid against in a 110.8 per 10,000 market.
06Which fields carry the volume in Tarpon Springs?
Physical, occupational, and speech therapy at 56 providers and chiropractic at 34 lead the 28 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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