Kansas micro-market
Healthcare practice financing in Gardner, Kansas
Direct answer
94 healthcare providers hold a Gardner practice address, 36.4 per 10,000 of its 25,836 residents, 33 percent of them in physical, occupational, and speech therapy. Johnson County recorded 24 SBA healthcare approvals worth $22,260,400, and Lawrence, KS sits 21 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 Kansas, and how many partners see it, is set out on the Kansas page.
- Population: 25,836 residents (25K-50K band)1
- Healthcare providers registered here: 94 across 15 fields2
- Median household income: $92,5793
- Largest provider field: Physical, occupational, and speech therapy: 31 registered providers2
- Medicare-certified providers in town: 1 across 1 categories4
- Nearest metro: Lawrence, KS, 21 miles1
Who is enumerated in Gardner
Counted at the town's own addresses: 94 providers, 15 fields, 36.4 clinicians per 10,000 of the 25,836 residents here
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Physical, occupational, and speech therapy | 31 | 12.0 | NPPES [2] |
| Chiropractic | 12 | 4.6 | NPPES [2] |
| Primary care and family medicine | 10 | 3.9 | NPPES [2] |
| General dentistry | 8 | 3.1 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 8 | 3.1 | NPPES [2] |
| DME and HME suppliers | 4 | 1.5 | NPPES [2] |
| Dental specialties | 3 | 1.2 | NPPES [2] |
| Non-medical home care | 3 | 1.2 | NPPES [2] |
| ABA and autism therapy | 3 | 1.2 | NPPES [2] |
| Optometry and ophthalmology | 3 | 1.2 | NPPES [2] |
| Behavioral and mental health group practices | 3 | 1.2 | NPPES [2] |
| Urgent care | 2 | 0.8 | NPPES [2] |
| Independent pharmacy | 2 | 0.8 | NPPES [2] |
| Med spa and aesthetics | 1 | 0.4 | NPPES [2] |
| Dialysis and infusion centers | 1 | 0.4 | NPPES [2] |
| Medical equipment suppliers | 3 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] |
Physical, occupational, and speech therapy carries 31 of the 94 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
What lenders have already approved in Johnson County
24 healthcare approvals averaging $927,517 set the deal shape lenders in Johnson County have already underwritten
| What it measures | Value | How to read it |
|---|---|---|
| Approvals on record | 24 | Counted for the fiscal year the SBA publishes [5] |
| Total approved capital | $22,260,400 | Everything approved to healthcare borrowers, added up [5] |
| Mean deal size | $927,517 | The dollar column over the approval column [5] |
| Lenders sited in the county | 475 | Places that write credit locally, NAICS 522 [6] |
Reading Gardner the way a credit committee does
Underwriting starts with 36.4 providers per 10,000 residents, because that ratio caps how fast a chair or a room fills. Because Johnson County already carries $22,260,400 across 24 healthcare approvals, a request near that average moves faster than one well above it. With $92,579 as the median household income, the payer mix in a projection has to match what Gardner households actually spend.
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
Ranked from the 15 fields that actually practice in Gardner, weighted toward physical, occupational, and speech therapy. Availability still depends on Kansas and on the funding partner.
What a funder reads first in Gardner
physical, occupational, and speech therapy, chiropractic, primary care and family medicine account for most of what is enumerated in Gardner, 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 (31) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Chiropractic (12) | Cash plan revenue, Personal injury receivable age, Visit volume | Startup or acquisition |
| Primary care and family medicine (10) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
The first column is Gardner's own NPPES count. The rest is how the field is generally underwritten, whether the address is Gardner or anywhere else.
How Gardner prices against its neighbors
Comparables travel. These are the Kansas towns whose density, at 36.4 per 10,000 here, gets weighed beside this one.
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Gardner (current) | 25,836 | 94 | 36.4 | |
| Spring Hill | 10,070 | 49 | 48.7 | 6 |
| Shawnee | 69,724 | 447 | 64.1 | 16 |
| Leawood | 34,013 | 551 | 162.0 | 17 |
| Merriam | 11,560 | 261 | 225.8 | 19 |
| Lawrence | 97,271 | 873 | 89.7 | 21 |
| Mission | 10,013 | 130 | 129.8 | 21 |
What the geography does to a Gardner projection
21 miles separate Gardner from Lawrence, KS. Lease pricing follows Lawrence, KS, while revenue stays capped by the 25,836 residents here. At $92,579 median household income, the elective and cash-pay share of a projection is the line that gets tested first. Referral flow comes from outside Gardner, which a projection needs to state plainly.
More of Kansas
Questions from Gardner
01How many providers practice in Gardner, and in what?
Across 15 fields, Gardner carries 94 enumerated clinicians, 36.4 per 10,000 of the 25,836 people living here. The concentration is in physical, occupational, and speech therapy, 31 of the total, then chiropractic at 12. Count practices from that only with care.
02What does Johnson County's shortage designation change?
The primary care, dental, mental health designation HRSA carries on Johnson County is a recruiting instrument: it puts repayment incentives in front of candidates, which is how a hiring plan for 25,836 residents gets past the question of who would take the job.
03Is Gardner underwritten as part of Lawrence, KS?
Lawrence, KS sits 21 miles away, close enough that appraisers reach into that market for rent and resale comparables while your patient draw stays local. The comparables read Lawrence, KS; the 25,836 residents set the ceiling a projection can defend.
04Which fields carry the volume in Gardner?
Physical, occupational, and speech therapy at 31 providers and chiropractic at 12 lead the 15 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.
05What does SBA lending look like around Gardner?
Healthcare borrowers in Johnson County took 24 approvals worth $22,260,400 in the published fiscal year, averaging $927,517. That is the comparable set an appraiser near Gardner reaches for first.
06Is there local lending capacity in Johnson County?
County Business Patterns records 475 credit intermediation establishments in Johnson County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Gardner 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.