Iowa micro-market
Healthcare practice financing in North Liberty, Iowa
Direct answer
Johnson County carries 0 SBA healthcare approvals worth $0, and inside North Liberty the census shows 158 enumerated clinicians against 21,904 residents, 72.1 per 10,000, 30 percent of them in physical, occupational, and speech therapy. Iowa City, IA lies 7 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 Iowa, and how many partners see it, is set out on the Iowa page.
- Population: 21,904 residents (10K-25K band)1
- Healthcare providers registered here: 158 across 22 fields2
- Median household income: $103,9333
- Largest provider field: Physical, occupational, and speech therapy: 48 registered providers2
- Medicare-certified providers in town: 1 across 1 categories4
- Nearest metro: Iowa City, IA, 7 miles1
What NPPES records at North Liberty addresses
The NPPES file puts 158 enumerated clinicians inside North Liberty, spread over 22 fields at 72.1 per 10,000 residents
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| Physical, occupational, and speech therapy | 48 | 21.9 | NPPES [2] |
| Chiropractic | 34 | 15.5 | NPPES [2] |
| Primary care and family medicine | 15 | 6.8 | NPPES [2] |
| Dental specialties | 10 | 4.6 | NPPES [2] |
| General dentistry | 9 | 4.1 | NPPES [2] |
| Behavioral and mental health group practices | 9 | 4.1 | NPPES [2] |
| DME and HME suppliers | 5 | 2.3 | NPPES [2] |
| Independent pharmacy | 4 | 1.8 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 4 | 1.8 | NPPES [2] |
| Audiology and hearing centers | 3 | 1.4 | NPPES [2] |
| Non-medical home care | 3 | 1.4 | NPPES [2] |
| ABA and autism therapy | 2 | 0.9 | NPPES [2] |
| Med spa and aesthetics | 2 | 0.9 | NPPES [2] |
| Specialty physician groups | 2 | 0.9 | NPPES [2] |
| Podiatry | 1 | 0.5 | NPPES [2] |
| Home health | 1 | 0.5 | NPPES [2] |
| ASCs and OBLs | 1 | 0.5 | NPPES [2] |
| Pain management and interventional | 1 | 0.5 | NPPES [2] |
| Optometry and ophthalmology | 1 | 0.5 | NPPES [2] |
| Dialysis and infusion centers | 1 | 0.5 | NPPES [2] |
| Telehealth and virtual clinics | 1 | 0.5 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 1 | 0.5 | NPPES [2] |
| Medical equipment suppliers | 5 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] |
Physical, occupational, and speech therapy carries 48 of the 158 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
Johnson County approvals, dollars, and lending establishments
The county file holds 0 healthcare approvals, which is a thin comparable set for anyone pricing collateral
| What it measures | Value | How to read it |
|---|---|---|
| Healthcare files approved | 0 | Fiscal year published in the SBA file [5] |
| Dollars behind them | $0 | Sum of approvals to healthcare borrowers [5] |
| Typical approval size | No approvals recorded | Dollars divided by approvals [5] |
| Credit offices operating locally | 61 | Credit intermediation establishments, NAICS 522 [6] |
Reading North Liberty the way a credit committee does
The ratio that matters up front is 72.1 per 10,000, which decides whether a ramp schedule reads as conservative. Johnson County has 0 approvals to compare against, so plan for extra appraisal time and a conservative valuation. A $103,933 median household income here sets the ceiling on what an elective or cash-pay line can be expected to carry.
Where a file from this town usually lands
- Practice acquisition
- Startup and de novo
- Working capital term loan
- Equipment financing and leasing
- Expansion, relocation, and build-out
Weighted by how often each of the 22 local fields reaches for a program, not by what is easiest to refer. Iowa rules and the partner decide availability.
What a funder reads first in North Liberty
physical, occupational, and speech therapy, chiropractic, primary care and family medicine account for most of what is enumerated in North Liberty, so those are the files funders see from this town
| Field | What the file turns on | The capital event behind most requests |
|---|---|---|
| Physical, occupational, and speech therapy (48) | 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 |
| Primary care and family medicine (15) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
Local counts come from NPPES. What a file turns on is drawn from how the field is generally reviewed, not from any decision about your practice.
Density beside the neighboring Iowa towns
Density is the number that moves an appraisal: 72.1 per 10,000 here
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| North Liberty (current) | 21,904 | 158 | 72.1 | |
| Coralville | 23,959 | 375 | 156.5 | 3 |
| Marion | 42,542 | 161 | 37.8 | 21 |
| Muscatine | 23,298 | 230 | 98.7 | 36 |
| Bettendorf | 40,281 | 482 | 119.7 | 60 |
| Oskaloosa | 11,575 | 129 | 111.4 | 61 |
| Waterloo | 67,477 | 572 | 84.8 | 64 |
Distance, income, and the wage floor around North Liberty
Iowa City, IA lies 7 miles from North Liberty, close enough that appraisers price the lease against Iowa City, IA rents while 21,904 residents set the revenue ceiling. At $103,933 median household income, the elective and cash-pay share of a projection is the line that gets tested first. Referral flow comes from outside North Liberty, which a projection needs to state plainly.
Other Iowa markets
- Coralville 23,959 residents
- Marion 42,542 residents
- Muscatine 23,298 residents
- Bettendorf 40,281 residents
- Oskaloosa 11,575 residents
- Waterloo 67,477 residents
Questions from North Liberty
01How many providers practice in North Liberty, and in what?
NPPES lists 158 providers at a North Liberty practice address, 72.1 per 10,000 residents across 22 tracked fields. Physical, occupational, and speech therapy accounts for 48 of them, 30 percent of the total, with chiropractic next at 34. Read that as clinicians: 158 enumerations, not 158 owners.
02What does Johnson County's shortage designation change?
Designated for primary care, dental, mental health, Johnson County qualifies its clinicians for federal repayment support. On a file that turns on adding staff, that is the difference between a hiring assumption and a hiring plan.
03Why does Johnson County show so little SBA activity?
Only 0 healthcare approvals appear for Johnson County in the published 7(a) and 504 file. Thin volume in Johnson County is a transaction count, not a verdict on borrowers here. The county still holds 61 credit intermediation establishments.
04Which fields carry the volume in North Liberty?
Physical, occupational, and speech therapy at 48 providers and chiropractic at 34 lead the 22 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.
05Is North Liberty underwritten as part of Iowa City, IA?
Comparables and demand split at 7 miles. An appraiser prices the lease and the equipment off Iowa City, IA; the revenue line has to hold up against 21,904 local residents.
06What does a $103,933 median income mean for case acceptance?
Median household income in North Liberty runs $103,933. On elective and cash-pay work that is the number a funder converts into case acceptance, and it sets how much of a treatment plan a projection can assume gets started rather than deferred.
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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