Michigan micro-market
Healthcare practice financing in Clawson, Michigan
Direct answer
A Clawson file is read against 119 local clinicians, 104.0 for every 10,000 of its 11,440 residents, 20 percent of them in physical, occupational, and speech therapy, plus the 53 SBA healthcare approvals worth $30,622,600 already recorded in Oakland County, 11 miles from Detroit-Warren-Dearborn, MI.
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: 11,440 residents (10K-25K band)1
- Healthcare providers registered here: 119 across 19 fields2
- Median household income: $86,6303
- Largest provider field: Physical, occupational, and speech therapy: 24 registered providers2
- Medicare-certified providers in town: 1 across 1 categories4
- Nearest metro: Detroit-Warren-Dearborn, MI, 11 miles1
Who is enumerated in Clawson
104.0 providers per 10,000 residents is what 119 enumerations across 19 fields works out to in a town of 11,440
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| Physical, occupational, and speech therapy | 24 | 21.0 | NPPES [2] |
| General dentistry | 18 | 15.7 | NPPES [2] |
| Specialty physician groups | 11 | 9.6 | NPPES [2] |
| DME and HME suppliers | 9 | 7.9 | NPPES [2] |
| Chiropractic | 9 | 7.9 | NPPES [2] |
| Primary care and family medicine | 9 | 7.9 | NPPES [2] |
| Optometry and ophthalmology | 8 | 7.0 | NPPES [2] |
| Dental specialties | 7 | 6.1 | NPPES [2] |
| Home health | 5 | 4.4 | NPPES [2] |
| Independent pharmacy | 5 | 4.4 | NPPES [2] |
| Audiology and hearing centers | 3 | 2.6 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 3 | 2.6 | NPPES [2] |
| Med spa and aesthetics | 2 | 1.7 | NPPES [2] |
| Podiatry | 1 | 0.9 | NPPES [2] |
| Urgent care | 1 | 0.9 | NPPES [2] |
| Pain management and interventional | 1 | 0.9 | NPPES [2] |
| Non-medical home care | 1 | 0.9 | NPPES [2] |
| Behavioral and mental health group practices | 1 | 0.9 | NPPES [2] |
| Occupational health and drug testing | 1 | 0.9 | NPPES [2] |
| Medical equipment suppliers | 5 | CMS [4] | |
| Home health agencies | 1 | CMS [4] |
Physical, occupational, and speech therapy carries 24 of the 119 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
The lending record behind Clawson
Lenders in Oakland County have already closed 53 healthcare approvals, averaging $577,785, which is the size a new file gets read beside
| What it measures | Value | How to read it |
|---|---|---|
| Approvals on record | 53 | Counted for the fiscal year the SBA publishes [5] |
| Total approved capital | $30,622,600 | Everything approved to healthcare borrowers, added up [5] |
| Mean deal size | $577,785 | The dollar column over the approval column [5] |
| Lenders sited in the county | 814 | Places that write credit locally, NAICS 522 [6] |
What the two tables above change about a file
104.0 per 10,000 is the first number a credit analyst converts into a realistic new-patient count. 53 approvals worth $30,622,600 in Oakland County means the size you are asking for has a local precedent to point at. With $86,630 as the median household income, the payer mix in a projection has to match what Clawson households actually spend.
Where a file from this town usually lands
- Practice acquisition
- Startup and de novo
- Equipment financing and leasing
- Expansion, relocation, and build-out
- Working capital term loan
Built from what is enumerated here rather than from a national list, so a field with no presence in Clawson does not appear. Availability is still a Michigan question.
What a funder reads first in Clawson
physical, occupational, and speech therapy, general dentistry, specialty physician groups account for most of what is enumerated in Clawson, 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 (24) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| General dentistry (18) | Three years of collections history, Hygiene as a share of collections, Overhead ratio and owner add-backs | Acquisition of an established practice |
| Specialty physician groups (11) | Ancillary revenue contribution, Provider productivity, Payer contracts | Ancillary build-out |
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 Michigan towns
Set Clawson's 104.0 per 10,000 against the towns an appraiser would reach for next
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Clawson (current) | 11,440 | 119 | 104.0 | |
| Royal Oak | 58,251 | 1,246 | 213.9 | 2 |
| Berkley | 15,313 | 174 | 113.6 | 3 |
| Birmingham | 22,198 | 269 | 121.2 | 3 |
| Madison Heights | 28,626 | 425 | 148.5 | 3 |
| Beverly Hills | 10,552 | 93 | 88.1 | 5 |
| Ferndale | 19,431 | 204 | 105.0 | 5 |
What the geography does to a Clawson projection
11 miles separate Clawson from Detroit-Warren-Dearborn, MI. Lease pricing follows Detroit-Warren-Dearborn, MI, while revenue stays capped by the 11,440 residents here. Median household income runs $86,630, which is the number a funder converts into case acceptance on anything elective or cash-pay. Referral flow comes from outside Clawson, which a projection needs to state plainly.
Nearby Michigan towns
- Royal Oak 58,251 residents
- Berkley 15,313 residents
- Birmingham 22,198 residents
- Madison Heights 28,626 residents
- Beverly Hills 10,552 residents
- Ferndale 19,431 residents
What owners in Clawson ask
01How many providers practice in Clawson, and in what?
119 enumerations sit at Clawson addresses in the monthly NPPES file, working out to 104.0 for every 10,000 residents. 20 percent of them are physical, occupational, and speech therapy, and general dentistry follows with 18. An enumeration is a clinician, so the 119 here cover fewer than 119 practices.
02What does Oakland County's shortage designation change?
Oakland County holds a HRSA designation covering primary care, dental, mental health. A pro forma for Clawson can cite it as the reason a vacancy is fillable, which is usually the weakest line in a ramp schedule.
03What does SBA lending look like around Clawson?
Healthcare borrowers in Oakland County took 53 approvals worth $30,622,600 in the published fiscal year, averaging $577,785. That is the comparable set an appraiser near Clawson reaches for first.
04Is Clawson underwritten as part of Detroit-Warren-Dearborn, MI?
Detroit-Warren-Dearborn, MI sits 11 miles away, close enough that appraisers reach into that market for rent and resale comparables while your patient draw stays local. The comparables read Detroit-Warren-Dearborn, MI; the 11,440 residents set the ceiling a projection can defend.
05Is there local lending capacity in Oakland County?
County Business Patterns records 814 credit intermediation establishments in Oakland County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Clawson rents and resale before or by somebody working from a screen.
06What does the underserved designation in Oakland County support?
Oakland County carries a medically underserved designation. It evidences unmet demand behind a capacity build, and it opens recruitment programs that make a staffing line in a projection easier to defend than local wage data alone would.
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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