Florida micro-market
Healthcare practice financing in Temple Terrace, Florida
Direct answer
Density decides a lot here. Temple Terrace runs 165.3 providers per 10,000 residents, 456 clinicians against 27,588 people, 29 percent of them in specialty physician groups, while Hillsborough County lenders have approved 51 healthcare files worth $32,046,600 and the nearest metro is 8 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: 27,588 residents (25K-50K band)1
- Healthcare providers registered here: 456 across 31 fields2
- Median household income: $65,7563
- Largest provider field: Specialty physician groups: 132 registered providers2
- Medicare-certified providers in town: 5 across 3 categories4
- Nearest metro: Tampa-St. Petersburg-Clearwater, FL, 8 miles1
Temple Terrace clinicians, by field
456 providers across 31 fields, 165.3 per 10,000 residents, counted at Temple Terrace addresses in the NPPES monthly file
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Specialty physician groups | 132 | 47.8 | NPPES [2] |
| Physical, occupational, and speech therapy | 96 | 34.8 | NPPES [2] |
| Primary care and family medicine | 42 | 15.2 | NPPES [2] |
| Home health | 26 | 9.4 | NPPES [2] |
| Chiropractic | 21 | 7.6 | NPPES [2] |
| ABA and autism therapy | 18 | 6.5 | NPPES [2] |
| Med spa and aesthetics | 18 | 6.5 | NPPES [2] |
| Independent pharmacy | 15 | 5.4 | NPPES [2] |
| DME and HME suppliers | 10 | 3.6 | NPPES [2] |
| Dental specialties | 9 | 3.3 | NPPES [2] |
| Non-medical home care | 9 | 3.3 | NPPES [2] |
| General dentistry | 8 | 2.9 | NPPES [2] |
| Telehealth and virtual clinics | 6 | 2.2 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 5 | 1.8 | NPPES [2] |
| Optometry and ophthalmology | 5 | 1.8 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 5 | 1.8 | NPPES [2] |
| Behavioral and mental health group practices | 4 | 1.4 | NPPES [2] |
| Clinical and toxicology labs | 4 | 1.4 | NPPES [2] |
| Audiology and hearing centers | 3 | 1.1 | NPPES [2] |
| Occupational health and drug testing | 3 | 1.1 | NPPES [2] |
| Urgent care | 2 | 0.7 | NPPES [2] |
| ASCs and OBLs | 2 | 0.7 | NPPES [2] |
| Imaging centers | 2 | 0.7 | NPPES [2] |
| Pain management and interventional | 2 | 0.7 | NPPES [2] |
| Hospice and palliative | 2 | 0.7 | NPPES [2] |
| Dialysis and infusion centers | 2 | 0.7 | NPPES [2] |
| Podiatry | 1 | 0.4 | NPPES [2] |
| Dermatology | 1 | 0.4 | NPPES [2] |
| Fertility and IVF | 1 | 0.4 | NPPES [2] |
| NEMT and ambulance | 1 | 0.4 | NPPES [2] |
| Plastic and cosmetic surgery | 1 | 0.4 | NPPES [2] |
| Medical equipment suppliers | 8 | CMS [4] | |
| Home health agencies | 3 | CMS [4] | |
| Ambulatory surgical centers | 1 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] |
Specialty physician groups carries 132 of the 456 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
The lending record behind Temple Terrace
The published file shows 51 healthcare approvals in Hillsborough County, $32,046,600 in total, and that history is what an appraiser and a credit committee reach for
| What it measures | Value | How to read it |
|---|---|---|
| SBA healthcare approvals | 51 | Counted for the fiscal year the SBA publishes [5] |
| Approved dollars | $32,046,600 | Everything approved to healthcare borrowers, added up [5] |
| Average approval | $628,365 | The dollar column over the approval column [5] |
| Lending establishments in the county | 937 | Places that write credit locally, NAICS 522 [6] |
The consequence of these numbers
165.3 per 10,000 is the first number a credit analyst converts into a realistic new-patient count. 51 approvals worth $32,046,600 in Hillsborough County means the size you are asking for has a local precedent to point at. With $65,756 as the median household income, the payer mix in a projection has to match what Temple Terrace households actually spend.
Where a file from this town usually lands
- Practice acquisition
- Expansion, relocation, and build-out
- Equipment financing and leasing
- Working capital term loan
- Startup and de novo
Weighted by how often each of the 31 local fields reaches for a program, not by what is easiest to refer. Florida rules and the partner decide availability.
What a funder reads first in Temple Terrace
What a funder opens first depends on the field. In Temple Terrace that means specialty physician groups, physical, occupational, and speech therapy, primary care and family medicine.
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| Specialty physician groups (132) | Ancillary revenue contribution, Provider productivity, Payer contracts | Ancillary build-out |
| Physical, occupational, and speech therapy (96) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Primary care and family medicine (42) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
Column one counts Temple Terrace clinicians from the federal file. Columns two and three describe how the field is usually underwritten, and a partner can read a Temple Terrace file differently.
How Temple Terrace prices against its neighbors
Density is the number that moves an appraisal: 165.3 per 10,000 here
| Comparable | People | Enumerations | Per 10,000 residents | Miles |
|---|---|---|---|---|
| Temple Terrace (current) | 27,588 | 456 | 165.3 | |
| Zephyrhills | 22,304 | 444 | 199.1 | 18 |
| Oldsmar | 14,831 | 186 | 125.4 | 18 |
| Safety Harbor | 16,972 | 171 | 100.8 | 20 |
| New Port Richey | 18,130 | 1,037 | 572.0 | 25 |
| Dunedin | 35,932 | 334 | 93.0 | 26 |
| Tarpon Springs | 26,168 | 290 | 110.8 | 26 |
How Temple Terrace sits against the nearest metro
Distance to Tampa-St. Petersburg-Clearwater, FL is 8 miles. Appraisers borrow Tampa-St. Petersburg-Clearwater, FL rents, and the 27,588 residents set the ceiling on collections. Median household income runs $65,756, which is the number a funder converts into case acceptance on anything elective or cash-pay. No hospital operates here, so the referral sources and the call arrangement have to be named rather than assumed. Higher education here explains why summer looks unlike the rest of the year.
Nearby Florida towns
- Zephyrhills 22,304 residents
- Oldsmar 14,831 residents
- Safety Harbor 16,972 residents
- New Port Richey 18,130 residents
- Dunedin 35,932 residents
- Tarpon Springs 26,168 residents
What owners in Temple Terrace ask
01How many providers practice in Temple Terrace, and in what?
456 enumerations sit at Temple Terrace addresses in the monthly NPPES file, working out to 165.3 for every 10,000 residents. 29 percent of them are specialty physician groups, and physical, occupational, and speech therapy follows with 96. An enumeration is a clinician, so the 456 here cover fewer than 456 practices.
02Which fields carry the volume in Temple Terrace?
The 31 enumerated fields are led by specialty physician groups at 132, with physical, occupational, and speech therapy at 96 behind it. Those two counts double as the competition you are entering and the bench you would hire from.
03What does Hillsborough County's shortage designation change?
HRSA designates Hillsborough County for primary care, dental, mental health. That opens loan repayment programs for clinicians recruited into Temple Terrace and evidences a staffing ramp in a 27,588 resident market.
04What does SBA lending look like around Temple Terrace?
$32,046,600 went to healthcare borrowers in Hillsborough County across 51 approvals, $628,365 on average. Deals near Temple Terrace get sized against that record before anything else.
05Is Temple Terrace underwritten as part of Tampa-St. Petersburg-Clearwater, FL?
Partly. Tampa-St. Petersburg-Clearwater, FL is 8 miles out, so rent and equipment comparables travel in from there while patients still come from the 27,588 residents around Temple Terrace. Cost side metro, revenue side local.
06Is there local lending capacity in Hillsborough County?
County Business Patterns records 937 credit intermediation establishments in Hillsborough County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Temple Terrace 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.