Michigan micro-market
Healthcare practice financing in Berkley, Michigan
Direct answer
Oakland County carries 53 SBA healthcare approvals worth $30,622,600, and inside Berkley the census shows 174 enumerated clinicians against 15,313 residents, 113.6 per 10,000, 19 percent of them in specialty physician groups. Detroit-Warren-Dearborn, MI lies 9 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 Michigan, and how many partners see it, is set out on the Michigan page.
- Population: 15,313 residents (10K-25K band)1
- Healthcare providers registered here: 174 across 25 fields2
- Median household income: $113,1033
- Largest provider field: Specialty physician groups: 33 registered providers2
- Medicare-certified providers in town: 5 across 3 categories4
- Nearest metro: Detroit-Warren-Dearborn, MI, 9 miles1
Berkley clinicians, by field
113.6 providers per 10,000 residents is what 174 enumerations across 25 fields works out to in a town of 15,313
| Practice type | Count | Rate per 10,000 residents | Published by |
|---|---|---|---|
| Specialty physician groups | 33 | 21.6 | NPPES [2] |
| Physical, occupational, and speech therapy | 26 | 17.0 | NPPES [2] |
| General dentistry | 16 | 10.4 | NPPES [2] |
| Chiropractic | 15 | 9.8 | NPPES [2] |
| Independent pharmacy | 12 | 7.8 | NPPES [2] |
| Primary care and family medicine | 11 | 7.2 | NPPES [2] |
| Behavioral and mental health group practices | 11 | 7.2 | NPPES [2] |
| Home health | 7 | 4.6 | NPPES [2] |
| Podiatry | 5 | 3.3 | NPPES [2] |
| Hormone, TRT, and men's health clinics | 5 | 3.3 | NPPES [2] |
| Dermatology | 4 | 2.6 | NPPES [2] |
| ABA and autism therapy | 4 | 2.6 | NPPES [2] |
| Med spa and aesthetics | 4 | 2.6 | NPPES [2] |
| Optometry and ophthalmology | 4 | 2.6 | NPPES [2] |
| Dialysis and infusion centers | 4 | 2.6 | NPPES [2] |
| DME and HME suppliers | 2 | 1.3 | NPPES [2] |
| Clinical and toxicology labs | 2 | 1.3 | NPPES [2] |
| Plastic and cosmetic surgery | 2 | 1.3 | NPPES [2] |
| Urgent care | 1 | 0.7 | NPPES [2] |
| ASCs and OBLs | 1 | 0.7 | NPPES [2] |
| SUD treatment and residential | 1 | 0.7 | NPPES [2] |
| Dental specialties | 1 | 0.7 | NPPES [2] |
| Audiology and hearing centers | 1 | 0.7 | NPPES [2] |
| Non-medical home care | 1 | 0.7 | NPPES [2] |
| Occupational health and drug testing | 1 | 0.7 | NPPES [2] |
| Dialysis facilities | 3 | CMS [4] | |
| Medical equipment suppliers | 2 | CMS [4] | |
| Ambulatory surgical centers | 1 | CMS [4] | |
| Home health agencies | 1 | CMS [4] |
Specialty physician groups carries 33 of the 174 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
The lending record behind Berkley
53 healthcare approvals averaging $577,785 set the deal shape lenders in Oakland County have already underwritten
| What it measures | Value | How to read it |
|---|---|---|
| SBA healthcare approvals | 53 | Counted for the fiscal year the SBA publishes [5] |
| Approved dollars | $30,622,600 | Everything approved to healthcare borrowers, added up [5] |
| Average approval | $577,785 | The dollar column over the approval column [5] |
| Lending establishments in the county | 814 | Places that write credit locally, NAICS 522 [6] |
The consequence of these numbers
At 113.6 clinicians per 10,000 residents, the catchment radius in a projection has to be defended rather than assumed. A request measured against 53 prior Oakland County approvals is priced on precedent, which shortens the questions about valuation. Household income of $113,103 in Berkley is the number a lender uses to sanity check the self-pay share of a revenue projection.
Where a file from this town usually lands
- Practice acquisition
- Expansion, relocation, and build-out
- Startup and de novo
- Equipment financing and leasing
- Commercial real estate, owner-occupied
Weighted by how often each of the 25 local fields reaches for a program, not by what is easiest to refer. Michigan rules and the partner decide availability.
The first pages of a Berkley file
Drawn from the fields that actually practice here: specialty physician groups, physical, occupational, and speech therapy, general dentistry
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| Specialty physician groups (33) | Ancillary revenue contribution, Provider productivity, Payer contracts | Ancillary build-out |
| Physical, occupational, and speech therapy (26) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| General dentistry (16) | Three years of collections history, Hygiene as a share of collections, Overhead ratio and owner add-backs | Acquisition of an established practice |
Counts in the first column are Berkley providers from NPPES. The other two columns describe how funders read that field across markets like Berkley, not what any funder will do with your file.
How Berkley prices against its neighbors
The neighboring markets below are the ones a valuation borrows from when Berkley has too few sales of its own
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Berkley (current) | 15,313 | 174 | 113.6 | |
| Oak Park | 29,402 | 321 | 109.2 | 2 |
| Royal Oak | 58,251 | 1,246 | 213.9 | 2 |
| Beverly Hills | 10,552 | 93 | 88.1 | 3 |
| Clawson | 11,440 | 119 | 104.0 | 3 |
| Birmingham | 22,198 | 269 | 121.2 | 4 |
| Ferndale | 19,431 | 204 | 105.0 | 4 |
Distance, income, and the wage floor around Berkley
Distance to Detroit-Warren-Dearborn, MI is 9 miles. Appraisers borrow Detroit-Warren-Dearborn, MI rents, and the 15,313 residents set the ceiling on collections. Median household income runs $113,103, which is the number a funder converts into case acceptance on anything elective or cash-pay. With no hospital in town, a projection has to name where referrals and coverage come from.
Nearby Michigan towns
- Oak Park 29,402 residents
- Royal Oak 58,251 residents
- Beverly Hills 10,552 residents
- Clawson 11,440 residents
- Birmingham 22,198 residents
- Ferndale 19,431 residents
Berkley owners, answered
01How many providers practice in Berkley, and in what?
174 enumerations sit at Berkley addresses in the monthly NPPES file, working out to 113.6 for every 10,000 residents. 19 percent of them are specialty physician groups, and physical, occupational, and speech therapy follows with 26. An enumeration is a clinician, so the 174 here cover fewer than 174 practices.
02What does SBA lending look like around Berkley?
$30,622,600 went to healthcare borrowers in Oakland County across 53 approvals, $577,785 on average. Deals near Berkley get sized against that record before anything else.
03What does a $113,103 median income mean for case acceptance?
Median household income in Berkley runs $113,103. 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.
04What does Oakland County's shortage designation change?
Oakland County holds a HRSA designation covering primary care, dental, mental health. A pro forma for Berkley can cite it as the reason a vacancy is fillable, which is usually the weakest line in a ramp schedule.
05How many Medicare-certified providers are based in Berkley?
The town carries 5 Medicare-certified providers. On a receivables request that number sets the expected collection lag, which is priced before anything about the practice itself is read.
06Which fields carry the volume in Berkley?
The 25 enumerated fields are led by specialty physician groups at 33, with physical, occupational, and speech therapy at 26 behind it. Those two counts double as the competition you are entering and the bench you would hire from.
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.