Minnesota micro-market
Healthcare practice financing in Dayton, Minnesota
Direct answer
Hennepin County carries 72 SBA healthcare approvals worth $39,696,100, and inside Dayton the census shows 18 enumerated clinicians against 10,744 residents, 16.8 per 10,000, 22 percent of them in physical, occupational, and speech therapy. Minneapolis-St. Paul-Bloomington, MN-WI lies 19 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 Minnesota, and how many partners see it, is set out on the Minnesota page.
- Population: 10,744 residents (10K-25K band)1
- Healthcare providers registered here: 18 across 10 fields2
- Median household income: $137,3833
- Largest provider field: Physical, occupational, and speech therapy: 4 registered providers2
- Medicare-certified providers in town: 1 across 1 categories4
- Nearest metro: Minneapolis-St. Paul-Bloomington, MN-WI, 19 miles1
What NPPES records at Dayton addresses
Counted at the town's own addresses: 18 providers, 10 fields, 16.8 clinicians per 10,000 of the 10,744 residents here
| Practice type | Count | Rate per 10,000 residents | Published by |
|---|---|---|---|
| Physical, occupational, and speech therapy | 4 | 3.7 | NPPES [2] |
| General dentistry | 3 | 2.8 | NPPES [2] |
| Chiropractic | 2 | 1.9 | NPPES [2] |
| Behavioral and mental health group practices | 2 | 1.9 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 2 | 1.9 | NPPES [2] |
| DME and HME suppliers | 1 | 0.9 | NPPES [2] |
| Home health | 1 | 0.9 | NPPES [2] |
| Hospice and palliative | 1 | 0.9 | NPPES [2] |
| Telehealth and virtual clinics | 1 | 0.9 | NPPES [2] |
| Occupational health and drug testing | 1 | 0.9 | NPPES [2] |
| Hospice providers | 1 | CMS [4] |
Several of the 4 physical, occupational, and speech therapy enumerations can belong to one practice, so the column counts clinicians rather than businesses or owners
Hennepin County approvals, dollars, and lending establishments
The published file shows 72 healthcare approvals in Hennepin County, $39,696,100 in total, and that history is what an appraiser and a credit committee reach for
| Measure | Published figure | What sits behind it |
|---|---|---|
| Healthcare files approved | 72 | Counted for the fiscal year the SBA publishes [5] |
| Dollars behind them | $39,696,100 | Everything approved to healthcare borrowers, added up [5] |
| Typical approval size | $551,335 | The dollar column over the approval column [5] |
| Credit offices operating locally | 836 | Places that write credit locally, NAICS 522 [6] |
How this data lands in an underwriting decision
16.8 per 10,000 is the first number a credit analyst converts into a realistic new-patient count. 72 approvals worth $39,696,100 in Hennepin County means the size you are asking for has a local precedent to point at. A $137,383 median household income here sets the ceiling on what an elective or cash-pay line can be expected to carry.
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
Weighted by how often each of the 10 local fields reaches for a program, not by what is easiest to refer. Minnesota rules and the partner decide availability.
Underwriting by field in Dayton
Drawn from the fields that actually practice here: physical, occupational, and speech therapy, general dentistry, chiropractic
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| Physical, occupational, and speech therapy (4) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| General dentistry (3) | Three years of collections history, Hygiene as a share of collections, Overhead ratio and owner add-backs | Acquisition of an established practice |
| Chiropractic (2) | Cash plan revenue, Personal injury receivable age, Visit volume | Startup or acquisition |
NPPES supplies the Dayton counts. The reading columns describe the field in general, and no partner reviewing a Dayton file is bound by them.
Density beside the neighboring Minnesota towns
16.8 per 10,000 is the figure a neighboring town gets compared against when an appraiser prices Dayton
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Dayton (current) | 10,744 | 18 | 16.8 | |
| Anoka | 18,068 | 257 | 142.2 | 4 |
| Champlin | 23,045 | 139 | 60.3 | 4 |
| Maple Grove | 72,739 | 726 | 99.8 | 5 |
| Ramsey | 28,999 | 83 | 28.6 | 5 |
| Rogers | 14,493 | 115 | 79.3 | 5 |
| Andover | 33,426 | 219 | 65.5 | 8 |
What the geography does to a Dayton projection
Minneapolis-St. Paul-Bloomington, MN-WI lies 19 miles from Dayton, close enough that appraisers price the lease against Minneapolis-St. Paul-Bloomington, MN-WI rents while 10,744 residents set the revenue ceiling. At $137,383 median household income, the elective and cash-pay share of a projection is the line that gets tested first. With no hospital in town, a projection has to name where referrals and coverage come from.
Nearby Minnesota towns
What owners in Dayton ask
01How many providers practice in Dayton, and in what?
Across 10 fields, Dayton carries 18 enumerated clinicians, 16.8 per 10,000 of the 10,744 people living here. The concentration is in physical, occupational, and speech therapy, 4 of the total, then general dentistry at 3. Count practices from that only with care.
02What does a $137,383 median income mean for case acceptance?
Median household income in Dayton runs $137,383. 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.
03What does Hennepin County's shortage designation change?
Hennepin County holds a HRSA designation covering primary care, dental, mental health. A pro forma for Dayton can cite it as the reason a vacancy is fillable, which is usually the weakest line in a ramp schedule.
04What does SBA lending look like around Dayton?
$39,696,100 went to healthcare borrowers in Hennepin County across 72 approvals, $551,335 on average. Deals near Dayton get sized against that record before anything else.
05Is Dayton underwritten as part of Minneapolis-St. Paul-Bloomington, MN-WI?
Comparables and demand split at 19 miles. An appraiser prices the lease and the equipment off Minneapolis-St. Paul-Bloomington, MN-WI; the revenue line has to hold up against 10,744 local residents.
06Which fields carry the volume in Dayton?
The 10 enumerated fields are led by physical, occupational, and speech therapy at 4, with general dentistry at 3 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
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