Indiana micro-market
Healthcare practice financing in Kokomo, Indiana
Direct answer
697 healthcare providers hold a Kokomo practice address, 116.0 per 10,000 of its 60,093 residents, 25 percent of them in physical, occupational, and speech therapy. Howard County recorded 0 SBA healthcare approvals worth $0, and Kokomo, IN sits 0 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 Indiana, and how many partners see it, is set out on the Indiana page.
- Population: 60,093 residents (50K-100K band)1
- Healthcare providers registered here: 697 across 31 fields2
- Median household income: $54,1953
- Largest provider field: Physical, occupational, and speech therapy: 173 registered providers2
- Medicare-certified providers in town: 11 across 4 categories4
- Nearest metro: Kokomo, IN, 0 miles1
Kokomo clinicians, by field
Counted at the town's own addresses: 697 providers, 31 fields, 116.0 clinicians per 10,000 of the 60,093 residents here
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| Physical, occupational, and speech therapy | 173 | 28.8 | NPPES [2] |
| ABA and autism therapy | 67 | 11.1 | NPPES [2] |
| General dentistry | 64 | 10.7 | NPPES [2] |
| Primary care and family medicine | 59 | 9.8 | NPPES [2] |
| Optometry and ophthalmology | 44 | 7.3 | NPPES [2] |
| Specialty physician groups | 43 | 7.2 | NPPES [2] |
| Behavioral and mental health group practices | 37 | 6.2 | NPPES [2] |
| DME and HME suppliers | 29 | 4.8 | NPPES [2] |
| Chiropractic | 26 | 4.3 | NPPES [2] |
| Dental specialties | 26 | 4.3 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 17 | 2.8 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 11 | 1.8 | NPPES [2] |
| Home health | 10 | 1.7 | NPPES [2] |
| SUD treatment and residential | 9 | 1.5 | NPPES [2] |
| Independent pharmacy | 9 | 1.5 | NPPES [2] |
| Audiology and hearing centers | 8 | 1.3 | NPPES [2] |
| Non-medical home care | 7 | 1.2 | NPPES [2] |
| Podiatry | 6 | 1.0 | NPPES [2] |
| ASCs and OBLs | 6 | 1.0 | NPPES [2] |
| Med spa and aesthetics | 6 | 1.0 | NPPES [2] |
| Dermatology | 5 | 0.8 | NPPES [2] |
| Urgent care | 5 | 0.8 | NPPES [2] |
| NEMT and ambulance | 5 | 0.8 | NPPES [2] |
| Hospice and palliative | 5 | 0.8 | NPPES [2] |
| Hormone, TRT, and men's health clinics | 5 | 0.8 | NPPES [2] |
| Occupational health and drug testing | 4 | 0.7 | NPPES [2] |
| Clinical and toxicology labs | 3 | 0.5 | NPPES [2] |
| Dialysis and infusion centers | 3 | 0.5 | NPPES [2] |
| Telehealth and virtual clinics | 3 | 0.5 | NPPES [2] |
| Imaging centers | 1 | 0.2 | NPPES [2] |
| Pain management and interventional | 1 | 0.2 | NPPES [2] |
| Medical equipment suppliers | 20 | CMS [4] | |
| Ambulatory surgical centers | 4 | CMS [4] | |
| Hospice providers | 3 | CMS [4] | |
| Dialysis facilities | 3 | CMS [4] | |
| Home health agencies | 1 | CMS [4] |
Several of the 173 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 Kokomo
The county file holds 0 healthcare approvals, which is a thin comparable set for anyone pricing collateral
| Measure | Published figure | What sits behind it |
|---|---|---|
| Approvals on record | 0 | One published fiscal year, healthcare borrowers only [5] |
| Total approved capital | $0 | Approved, not disbursed, and not net of withdrawals [5] |
| Mean deal size | No approvals recorded | A mean, so one large approval moves it [5] |
| Lenders sited in the county | 53 | Credit intermediation offices sited in the county [6] |
Reading Kokomo the way a credit committee does
Underwriting starts with 116.0 providers per 10,000 residents, because that ratio caps how fast a chair or a room fills. Howard County has 0 approvals to compare against, so plan for extra appraisal time and a conservative valuation. Household income of $54,195 in Kokomo 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
- Working capital term loan
- Equipment financing and leasing
Weighted by how often each of the 31 local fields reaches for a program, not by what is easiest to refer. Indiana rules and the partner decide availability.
The first pages of a Kokomo file
physical, occupational, and speech therapy, aba and autism therapy, general dentistry account for most of what is enumerated in Kokomo, so those are the files funders see from this town
| Practice type | The pages that decide it | Typical capital event |
|---|---|---|
| Physical, occupational, and speech therapy (173) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| ABA and autism therapy (67) | Authorized hours against delivered hours, Payer mix stability, Billing compliance history | Working capital against authorization and billing lag |
| General dentistry (64) | Three years of collections history, Hygiene as a share of collections, Overhead ratio and owner add-backs | Acquisition of an established practice |
The first column is Kokomo's own NPPES count. The rest is how the field is generally underwritten, whether the address is Kokomo or anywhere else.
Kokomo against nearby Indiana markets
The neighboring markets below are the ones a valuation borrows from when Kokomo has too few sales of its own
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Kokomo (current) | 60,093 | 697 | 116.0 | |
| Peru | 11,003 | 115 | 104.5 | 20 |
| Logansport | 18,168 | 158 | 87.0 | 23 |
| Frankfort | 16,459 | 128 | 77.8 | 25 |
| Marion | 28,216 | 370 | 131.1 | 25 |
| Wabash | 10,275 | 118 | 114.8 | 28 |
| Noblesville | 75,239 | 521 | 69.2 | 30 |
What the geography does to a Kokomo projection
0 miles separate Kokomo from Kokomo, IN. Lease pricing follows Kokomo, IN, while revenue stays capped by the 60,093 residents here. At $54,195 median household income, the elective and cash-pay share of a projection is the line that gets tested first. The hospital fixes two inputs a lender would otherwise estimate in a 60,093 resident town: where referrals originate, and what staff cost. Higher education here explains why summer looks unlike the rest of the year. Kokomo is the Howard County seat, so county employment steadies the payer mix.
More of Indiana
- Peru 11,003 residents
- Logansport 18,168 residents
- Frankfort 16,459 residents
- Marion 28,216 residents
- Wabash 10,275 residents
- Noblesville 75,239 residents
Questions from Kokomo
01How many providers practice in Kokomo, and in what?
Across 31 fields, Kokomo carries 697 enumerated clinicians, 116.0 per 10,000 of the 60,093 people living here. The concentration is in physical, occupational, and speech therapy, 173 of the total, then aba and autism therapy at 67. Count practices from that only with care.
02What does Howard County's shortage designation change?
HRSA designates Howard County for primary care, dental, mental health. That opens loan repayment programs for clinicians recruited into Kokomo and evidences a staffing ramp in a 60,093 resident market.
03Why does Howard County show so little SBA activity?
The published file records 0 7(a) and 504 approvals to healthcare borrowers in Howard County. That tracks how few Howard County practices changed hands that year, not credit quality. 53 credit intermediation establishments operate in Howard County, so the lending capacity is local even where the healthcare history is not.
04How does the hospital in Kokomo affect a practice file?
It makes the staffing and referral lines checkable. 11 Medicare-certified providers hold Kokomo addresses, and the hospital sets the wage a clinical hire is bid against in a 116.0 per 10,000 market.
05Is there local lending capacity in Howard County?
County Business Patterns records 53 credit intermediation establishments in Howard County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Kokomo rents and resale before or by somebody working from a screen.
06Is Kokomo underwritten as part of Kokomo, IN?
Partly. Kokomo, IN is 0 miles out, so rent and equipment comparables travel in from there while patients still come from the 60,093 residents around Kokomo. Cost side metro, revenue side local.
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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