Iowa micro-market
Healthcare practice financing in Carroll, Iowa
Direct answer
Carroll County carries 0 SBA healthcare approvals worth $0, and inside Carroll the census shows 132 enumerated clinicians against 10,125 residents, 130.4 per 10,000, 23 percent of them in chiropractic. Ames, IA lies 64 miles away.
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The provider census in Carroll
132 providers across 22 fields, 130.4 per 10,000 residents, counted at Carroll addresses in the NPPES monthly file
| Practice type | Count | Rate per 10,000 residents | Published by |
|---|---|---|---|
| Chiropractic | 30 | 29.6 | NPPES [2] |
| Primary care and family medicine | 22 | 21.7 | NPPES [2] |
| Physical, occupational, and speech therapy | 16 | 15.8 | NPPES [2] |
| Optometry and ophthalmology | 10 | 9.9 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 10 | 9.9 | NPPES [2] |
| General dentistry | 9 | 8.9 | NPPES [2] |
| DME and HME suppliers | 5 | 4.9 | NPPES [2] |
| Home health | 5 | 4.9 | NPPES [2] |
| Independent pharmacy | 3 | 3.0 | NPPES [2] |
| Audiology and hearing centers | 3 | 3.0 | NPPES [2] |
| Specialty physician groups | 3 | 3.0 | NPPES [2] |
| Podiatry | 2 | 2.0 | NPPES [2] |
| Hospice and palliative | 2 | 2.0 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 2 | 2.0 | NPPES [2] |
| Behavioral and mental health group practices | 2 | 2.0 | NPPES [2] |
| Dialysis and infusion centers | 2 | 2.0 | NPPES [2] |
| Dermatology | 1 | 1.0 | NPPES [2] |
| SUD treatment and residential | 1 | 1.0 | NPPES [2] |
| Dental specialties | 1 | 1.0 | NPPES [2] |
| NEMT and ambulance | 1 | 1.0 | NPPES [2] |
| IV hydration and infusion | 1 | 1.0 | NPPES [2] |
| Occupational health and drug testing | 1 | 1.0 | NPPES [2] |
| Medical equipment suppliers | 7 | CMS [4] | |
| Hospice providers | 2 | CMS [4] | |
| Home health agencies | 2 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] |
Several of the 30 chiropractic enumerations can belong to one practice, so the column counts clinicians rather than businesses or owners
The lending record behind Carroll
0 healthcare approvals sit in the county file, so an appraiser here works from a short comparable set
| 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 | 20 | Credit intermediation offices sited in the county [6] |
The consequence of these numbers
Density of 130.4 per 10,000 sets the patient draw a projection can claim without an argument. Carroll County has 0 approvals to compare against, so plan for extra appraisal time and a conservative valuation. Household income of $59,323 in Carroll 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
Ranked from the 22 fields that actually practice in Carroll, weighted toward chiropractic. Availability still depends on Iowa and on the funding partner.
Underwriting by field in Carroll
Drawn from the fields that actually practice here: chiropractic, primary care and family medicine, physical, occupational, and speech therapy
| Field | What the file turns on | The capital event behind most requests |
|---|---|---|
| Chiropractic (30) | Cash plan revenue, Personal injury receivable age, Visit volume | Startup or acquisition |
| Primary care and family medicine (22) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| Physical, occupational, and speech therapy (16) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
The first column is Carroll's own NPPES count. The rest is how the field is generally underwritten, whether the address is Carroll or anywhere else.
How Carroll prices against its neighbors
Set Carroll's 130.4 per 10,000 against the towns an appraiser would reach for next
| Comparable | People | Enumerations | Per 10,000 residents | Miles |
|---|---|---|---|---|
| Carroll (current) | 10,125 | 132 | 130.4 | |
| Storm Lake | 11,627 | 111 | 95.5 | 43 |
| Fort Dodge | 24,886 | 228 | 91.6 | 47 |
| Boone | 12,461 | 77 | 61.8 | 51 |
| Waukee | 34,420 | 216 | 62.8 | 60 |
| Grimes | 17,266 | 91 | 52.7 | 61 |
| Clive | 19,508 | 315 | 161.5 | 63 |
What the geography does to a Carroll projection
64 miles separate Carroll from Ames, IA. Equipment sold at that distance has no local buyer, and the advance rate carries the discount. At $59,323 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 10,125 resident town: where referrals originate, and what staff cost. Carroll is the Carroll County seat, so county employment steadies the payer mix.
More of Iowa
- Storm Lake 11,627 residents
- Fort Dodge 24,886 residents
- Boone 12,461 residents
- Waukee 34,420 residents
- Grimes 17,266 residents
- Clive 19,508 residents
Questions from Carroll
01How many providers practice in Carroll, and in what?
Across 22 fields, Carroll carries 132 enumerated clinicians, 130.4 per 10,000 of the 10,125 people living here. The concentration is in chiropractic, 30 of the total, then primary care and family medicine at 22. Count practices from that only with care.
02Does being 64 miles out change the underwriting?
Distance does the work here. 64 miles out, Carroll County supplies the rent and resale comparables, which usually means a slower appraisal and a harder haircut on anything a funder would have to move to sell.
03Why does Carroll County show so little SBA activity?
The published file records 0 7(a) and 504 approvals to healthcare borrowers in Carroll County. That tracks how few Carroll County practices changed hands that year, not credit quality. 20 credit intermediation establishments operate in Carroll County, so the lending capacity is local even where the healthcare history is not.
04How does the hospital in Carroll affect a practice file?
It makes the staffing and referral lines checkable. 5 Medicare-certified providers hold Carroll addresses, and the hospital sets the wage a clinical hire is bid against in a 130.4 per 10,000 market.
05What does Carroll County's shortage designation change?
The primary care, mental health designation HRSA carries on Carroll County is a recruiting instrument: it puts repayment incentives in front of candidates, which is how a hiring plan for 10,125 residents gets past the question of who would take the job.
06Which fields carry the volume in Carroll?
Volume concentrates in chiropractic, 30 of them, ahead of primary care and family medicine at 22, across 22 fields. A thin second field usually means a longer search for staff than a pro forma allows for.
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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