Ohio micro-market
Healthcare practice financing in Ashland, Ohio
Direct answer
204 healthcare providers hold a Ashland practice address, 108.7 per 10,000 of its 18,770 residents, 13 percent of them in physical, occupational, and speech therapy. Ashland County recorded 1 SBA healthcare approvals worth $28,500, and Mansfield, OH sits 13 miles out.
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- Population: 18,770 residents (10K-25K band)1
- Healthcare providers registered here: 204 across 24 fields2
- Median household income: $57,3103
- Largest provider field: Physical, occupational, and speech therapy: 26 registered providers2
- Medicare-certified providers in town: 2 across 2 categories4
- Nearest metro: Mansfield, OH, 13 miles1
The provider census in Ashland
The NPPES file puts 204 enumerated clinicians inside Ashland, spread over 24 fields at 108.7 per 10,000 residents
| Practice type | Count | Rate per 10,000 residents | Published by |
|---|---|---|---|
| Physical, occupational, and speech therapy | 26 | 13.9 | NPPES [2] |
| Primary care and family medicine | 25 | 13.3 | NPPES [2] |
| Behavioral and mental health group practices | 25 | 13.3 | NPPES [2] |
| Home health | 21 | 11.2 | NPPES [2] |
| Specialty physician groups | 16 | 8.5 | NPPES [2] |
| General dentistry | 14 | 7.5 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 14 | 7.5 | NPPES [2] |
| Chiropractic | 12 | 6.4 | NPPES [2] |
| Non-medical home care | 9 | 4.8 | NPPES [2] |
| Optometry and ophthalmology | 7 | 3.7 | NPPES [2] |
| Audiology and hearing centers | 6 | 3.2 | NPPES [2] |
| DME and HME suppliers | 5 | 2.7 | NPPES [2] |
| Independent pharmacy | 5 | 2.7 | NPPES [2] |
| Dental specialties | 4 | 2.1 | NPPES [2] |
| Urgent care | 2 | 1.1 | NPPES [2] |
| Med spa and aesthetics | 2 | 1.1 | NPPES [2] |
| Hormone, TRT, and men's health clinics | 2 | 1.1 | NPPES [2] |
| Dialysis and infusion centers | 2 | 1.1 | NPPES [2] |
| Telehealth and virtual clinics | 2 | 1.1 | NPPES [2] |
| Podiatry | 1 | 0.5 | NPPES [2] |
| SUD treatment and residential | 1 | 0.5 | NPPES [2] |
| NEMT and ambulance | 1 | 0.5 | NPPES [2] |
| Hospice and palliative | 1 | 0.5 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 1 | 0.5 | NPPES [2] |
| Medical equipment suppliers | 5 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] | |
| Home health agencies | 1 | CMS [4] |
A single Ashland practice can hold more than one of these numbers. 13 percent sit in physical, occupational, and speech therapy, counted as clinicians rather than as owners.
What Ashland County credit files already show
With 1 healthcare approvals recorded, Ashland County gives a valuation almost nothing local to lean on
| Measure | Published figure | What sits behind it |
|---|---|---|
| Approvals on record | 1 | Fiscal year published in the SBA file [5] |
| Total approved capital | $28,500 | Sum of approvals to healthcare borrowers [5] |
| Mean deal size | $28,500 | Dollars divided by approvals [5] |
| Lenders sited in the county | 20 | Credit intermediation establishments, NAICS 522 [6] |
Reading Ashland the way a credit committee does
Density of 108.7 per 10,000 sets the patient draw a projection can claim without an argument. A short county record of 1 approvals usually means more documentation and a lower advance against the same collateral. With $57,310 as the median household income, the payer mix in a projection has to match what Ashland households actually spend.
Programs the Ashland mix reaches for
- Practice acquisition
- Working capital term loan
- Expansion, relocation, and build-out
- Startup and de novo
- Medical receivables factoring
The 24 fields practicing locally set this order. A funding partner, not this list, decides what is available in Ohio.
Underwriting by field in Ashland
Drawn from the fields that actually practice here: physical, occupational, and speech therapy, primary care and family medicine, behavioral and mental health group practices
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| Physical, occupational, and speech therapy (26) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Primary care and family medicine (25) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| Behavioral and mental health group practices (25) | Clinician retention and productivity, Payer mix and Medicaid concentration, Re-authorization and session limit exposure | Working capital through the credentialing lag |
The first column is Ashland's own NPPES count. The rest is how the field is generally underwritten, whether the address is Ashland or anywhere else.
How Ashland prices against its neighbors
The neighboring markets below are the ones a valuation borrows from when Ashland has too few sales of its own
| Comparable | People | Enumerations | Per 10,000 residents | Miles |
|---|---|---|---|---|
| Ashland (current) | 18,770 | 204 | 108.7 | |
| Mansfield | 47,593 | 645 | 135.5 | 13 |
| Wooster | 26,982 | 457 | 169.4 | 20 |
| Galion | 10,304 | 95 | 92.2 | 26 |
| Medina | 25,757 | 581 | 225.6 | 30 |
| Norwalk | 17,172 | 164 | 95.5 | 30 |
| Wadsworth | 24,753 | 231 | 93.3 | 32 |
What the geography does to a Ashland projection
13 miles separate Ashland from Mansfield, OH. Lease pricing follows Mansfield, OH, while revenue stays capped by the 18,770 residents here. Households here carry $57,310 in median income, and that ceiling decides how much of a treatment plan gets started rather than deferred. Because a certified hospital sits inside the town, both the referral path and the pay a clinical hire expects are already observable. Higher education here explains why summer looks unlike the rest of the year. Ashland is the Ashland County seat, so county employment steadies the payer mix.
Other Ohio markets
Questions from Ashland
01How many providers practice in Ashland, and in what?
204 enumerations sit at Ashland addresses in the monthly NPPES file, working out to 108.7 for every 10,000 residents. 13 percent of them are physical, occupational, and speech therapy, and primary care and family medicine follows with 25. An enumeration is a clinician, so the 204 here cover fewer than 204 practices.
02What does Ashland County's shortage designation change?
HRSA designates Ashland County for primary care, dental, mental health. That opens loan repayment programs for clinicians recruited into Ashland and evidences a staffing ramp in a 18,770 resident market.
03Why does Ashland County show so little SBA activity?
Only 1 healthcare approvals appear for Ashland County in the published 7(a) and 504 file. Thin volume in Ashland County is a transaction count, not a verdict on borrowers here. The county still holds 20 credit intermediation establishments.
04Is Ashland underwritten as part of Mansfield, OH?
Partly. Mansfield, OH is 13 miles out, so rent and equipment comparables travel in from there while patients still come from the 18,770 residents around Ashland. Cost side metro, revenue side local.
05How does the hospital in Ashland affect a practice file?
Referral flow, coverage, and the local pay scale all trace back to it. The town carries 2 Medicare-certified providers in total. A Ashland projection that names the call arrangement reads better than one that assumes it.
06What does a $57,310 median income mean for case acceptance?
Median household income in Ashland runs $57,310. 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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