Florida micro-market
Healthcare practice financing in Zephyrhills, Florida
Direct answer
Pasco County carries 3 SBA healthcare approvals worth $2,313,900, and inside Zephyrhills the census shows 444 enumerated clinicians against 22,304 residents, 199.1 per 10,000, 17 percent of them in physical, occupational, and speech therapy. Lakeland-Winter Haven, FL lies 19 miles away.
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: 22,304 residents (10K-25K band)1
- Healthcare providers registered here: 444 across 28 fields2
- Median household income: $49,2953
- Largest provider field: Physical, occupational, and speech therapy: 76 registered providers2
- Medicare-certified providers in town: 4 across 3 categories4
- Nearest metro: Lakeland-Winter Haven, FL, 19 miles1
Zephyrhills clinicians, by field
199.1 providers per 10,000 residents is what 444 enumerations across 28 fields works out to in a town of 22,304
| Practice type | Count | Rate per 10,000 residents | Published by |
|---|---|---|---|
| Physical, occupational, and speech therapy | 76 | 34.1 | NPPES [2] |
| Specialty physician groups | 68 | 30.5 | NPPES [2] |
| Primary care and family medicine | 53 | 23.8 | NPPES [2] |
| Optometry and ophthalmology | 29 | 13.0 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 25 | 11.2 | NPPES [2] |
| DME and HME suppliers | 22 | 9.9 | NPPES [2] |
| Chiropractic | 22 | 9.9 | NPPES [2] |
| Med spa and aesthetics | 19 | 8.5 | NPPES [2] |
| Independent pharmacy | 18 | 8.1 | NPPES [2] |
| Occupational health and drug testing | 18 | 8.1 | NPPES [2] |
| General dentistry | 17 | 7.6 | NPPES [2] |
| Home health | 12 | 5.4 | NPPES [2] |
| ABA and autism therapy | 11 | 4.9 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 8 | 3.6 | NPPES [2] |
| Podiatry | 7 | 3.1 | NPPES [2] |
| Behavioral and mental health group practices | 5 | 2.2 | NPPES [2] |
| Dermatology | 4 | 1.8 | NPPES [2] |
| Urgent care | 4 | 1.8 | NPPES [2] |
| Dental specialties | 4 | 1.8 | NPPES [2] |
| Audiology and hearing centers | 4 | 1.8 | NPPES [2] |
| Hormone, TRT, and men's health clinics | 4 | 1.8 | NPPES [2] |
| ASCs and OBLs | 3 | 1.3 | NPPES [2] |
| Non-medical home care | 3 | 1.3 | NPPES [2] |
| Telehealth and virtual clinics | 3 | 1.3 | NPPES [2] |
| Dialysis and infusion centers | 2 | 0.9 | NPPES [2] |
| Imaging centers | 1 | 0.4 | NPPES [2] |
| Clinical research sites | 1 | 0.4 | NPPES [2] |
| Clinical and toxicology labs | 1 | 0.4 | NPPES [2] |
| Medical equipment suppliers | 13 | CMS [4] | |
| Ambulatory surgical centers | 2 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] | |
| Home health agencies | 1 | CMS [4] |
Several of the 76 physical, occupational, and speech therapy enumerations can belong to one practice, so the column counts clinicians rather than businesses or owners
Loan activity in Pasco County
3 healthcare approvals sit in the county file, so an appraiser here works from a short comparable set
| Measure | Published figure | What sits behind it |
|---|---|---|
| SBA healthcare approvals | 3 | Counted for the fiscal year the SBA publishes [5] |
| Approved dollars | $2,313,900 | Everything approved to healthcare borrowers, added up [5] |
| Average approval | $771,300 | The dollar column over the approval column [5] |
| Lending establishments in the county | 207 | Places that write credit locally, NAICS 522 [6] |
Reading Zephyrhills the way a credit committee does
199.1 per 10,000 is the first number a credit analyst converts into a realistic new-patient count. A short county record of 3 approvals usually means more documentation and a lower advance against the same collateral. Household income of $49,295 in Zephyrhills 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
- Expansion, relocation, and build-out
- Working capital term loan
- Equipment financing and leasing
- Startup and de novo
The 28 fields practicing locally set this order. A funding partner, not this list, decides what is available in Florida.
Underwriting by field in Zephyrhills
Drawn from the fields that actually practice here: physical, occupational, and speech therapy, specialty physician groups, primary care and family medicine
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| Physical, occupational, and speech therapy (76) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Specialty physician groups (68) | Ancillary revenue contribution, Provider productivity, Payer contracts | Ancillary build-out |
| Primary care and family medicine (53) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
The first column is Zephyrhills's own NPPES count. The rest is how the field is generally underwritten, whether the address is Zephyrhills or anywhere else.
How Zephyrhills prices against its neighbors
Comparables travel. These are the Florida towns whose density, at 199.1 per 10,000 here, gets weighed beside this one.
| Comparable | People | Enumerations | Per 10,000 residents | Miles |
|---|---|---|---|---|
| Zephyrhills (current) | 22,304 | 444 | 199.1 | |
| Temple Terrace | 27,588 | 456 | 165.3 | 18 |
| Auburndale | 20,659 | 88 | 42.6 | 25 |
| Bartow | 22,084 | 187 | 84.7 | 33 |
| New Port Richey | 18,130 | 1,037 | 572.0 | 33 |
| Oldsmar | 14,831 | 186 | 125.4 | 33 |
| Clermont | 50,851 | 1,044 | 205.3 | 34 |
How Zephyrhills sits against the nearest metro
Distance to Lakeland-Winter Haven, FL is 19 miles. Appraisers borrow Lakeland-Winter Haven, FL rents, and the 22,304 residents set the ceiling on collections. Households here carry $49,295 in median income, and that ceiling decides how much of a treatment plan gets started rather than deferred. Wages here are anchored by the Medicare-certified hospital in town, which is what a staffing line gets measured against.
Nearby Florida towns
- Temple Terrace 27,588 residents
- Auburndale 20,659 residents
- Bartow 22,084 residents
- New Port Richey 18,130 residents
- Oldsmar 14,831 residents
- Clermont 50,851 residents
What owners in Zephyrhills ask
01How many providers practice in Zephyrhills, and in what?
444 enumerations sit at Zephyrhills addresses in the monthly NPPES file, working out to 199.1 for every 10,000 residents. 17 percent of them are physical, occupational, and speech therapy, and specialty physician groups follows with 68. An enumeration is a clinician, so the 444 here cover fewer than 444 practices.
02Why does Pasco County show so little SBA activity?
Only 3 healthcare approvals appear for Pasco County in the published 7(a) and 504 file. Thin volume in Pasco County is a transaction count, not a verdict on borrowers here. The county still holds 207 credit intermediation establishments.
03Is Zephyrhills underwritten as part of Lakeland-Winter Haven, FL?
Partly. Lakeland-Winter Haven, FL is 19 miles out, so rent and equipment comparables travel in from there while patients still come from the 22,304 residents around Zephyrhills. Cost side metro, revenue side local.
04What does Pasco County's shortage designation change?
HRSA designates Pasco County for primary care, dental, mental health. That opens loan repayment programs for clinicians recruited into Zephyrhills and evidences a staffing ramp in a 22,304 resident market.
05Which fields carry the volume in Zephyrhills?
The 28 enumerated fields are led by physical, occupational, and speech therapy at 76, with specialty physician groups at 68 behind it. Those two counts double as the competition you are entering and the bench you would hire from.
06Is there local lending capacity in Pasco County?
County Business Patterns records 207 credit intermediation establishments in Pasco County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Zephyrhills 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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