Ohio micro-market
Healthcare practice financing in Bedford, Ohio
Direct answer
178 healthcare providers hold a Bedford practice address, 138.7 per 10,000 of its 12,834 residents, 25 percent of them in home health. Cuyahoga County recorded 43 SBA healthcare approvals worth $7,768,200, and Cleveland, OH sits 10 miles out.
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The provider census in Bedford
The NPPES file puts 178 enumerated clinicians inside Bedford, spread over 26 fields at 138.7 per 10,000 residents
| Practice type | Count | Rate per 10,000 residents | Published by |
|---|---|---|---|
| Home health | 45 | 35.1 | NPPES [2] |
| Specialty physician groups | 23 | 17.9 | NPPES [2] |
| Physical, occupational, and speech therapy | 20 | 15.6 | NPPES [2] |
| Non-medical home care | 16 | 12.5 | NPPES [2] |
| Behavioral and mental health group practices | 8 | 6.2 | NPPES [2] |
| Primary care and family medicine | 7 | 5.5 | NPPES [2] |
| Chiropractic | 6 | 4.7 | NPPES [2] |
| Independent pharmacy | 6 | 4.7 | NPPES [2] |
| Podiatry | 5 | 3.9 | NPPES [2] |
| DME and HME suppliers | 5 | 3.9 | NPPES [2] |
| General dentistry | 5 | 3.9 | NPPES [2] |
| Dental specialties | 5 | 3.9 | NPPES [2] |
| Optometry and ophthalmology | 4 | 3.1 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 4 | 3.1 | NPPES [2] |
| Urgent care | 3 | 2.3 | NPPES [2] |
| IDD services | 2 | 1.6 | NPPES [2] |
| Audiology and hearing centers | 2 | 1.6 | NPPES [2] |
| Med spa and aesthetics | 2 | 1.6 | NPPES [2] |
| Hormone, TRT, and men's health clinics | 2 | 1.6 | NPPES [2] |
| Plastic and cosmetic surgery | 2 | 1.6 | NPPES [2] |
| ASCs and OBLs | 1 | 0.8 | NPPES [2] |
| Imaging centers | 1 | 0.8 | NPPES [2] |
| NEMT and ambulance | 1 | 0.8 | NPPES [2] |
| Clinical and toxicology labs | 1 | 0.8 | NPPES [2] |
| Dialysis and infusion centers | 1 | 0.8 | NPPES [2] |
| Telehealth and virtual clinics | 1 | 0.8 | NPPES [2] |
| Medical equipment suppliers | 4 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] | |
| Home health agencies | 1 | CMS [4] |
Home health carries 45 of the 178 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
The lending record behind Bedford
43 healthcare approvals averaging $180,656 set the deal shape lenders in Cuyahoga County have already underwritten
| What it measures | Value | How to read it |
|---|---|---|
| SBA healthcare approvals | 43 | One published fiscal year, healthcare borrowers only [5] |
| Approved dollars | $7,768,200 | Approved, not disbursed, and not net of withdrawals [5] |
| Average approval | $180,656 | A mean, so one large approval moves it [5] |
| Lending establishments in the county | 715 | Credit intermediation offices sited in the county [6] |
What the two tables above change about a file
Density of 138.7 per 10,000 sets the patient draw a projection can claim without an argument. Because Cuyahoga County already carries $7,768,200 across 43 healthcare approvals, a request near that average moves faster than one well above it. Household income of $56,563 in Bedford is the number a lender uses to sanity check the self-pay share of a revenue projection.
The programs this provider mix points at
- Medical receivables factoring
- Working capital term loan
- Practice acquisition
- Healthcare AR line and payroll funding
- Expansion, relocation, and build-out
The order comes from Bedford's own provider mix, which home health dominates at 25 percent. What a partner can actually place in Ohio is a separate question.
Underwriting by field in Bedford
Drawn from the fields that actually practice here: home health, specialty physician groups, physical, occupational, and speech therapy
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| Home health (45) | Medicare certification first, Payer mix second, Days in accounts receivable third | Payroll between visit and remittance |
| Specialty physician groups (23) | Ancillary revenue contribution, Provider productivity, Payer contracts | Ancillary build-out |
| Physical, occupational, and speech therapy (20) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
NPPES supplies the Bedford counts. The reading columns describe the field in general, and no partner reviewing a Bedford file is bound by them.
How Bedford prices against its neighbors
Density is the number that moves an appraisal: 138.7 per 10,000 here
| Comparable | People | Enumerations | Per 10,000 residents | Miles |
|---|---|---|---|---|
| Bedford (current) | 12,834 | 178 | 138.7 | |
| Bedford Heights | 10,791 | 55 | 51.0 | 2 |
| Maple Heights | 23,081 | 167 | 72.4 | 2 |
| Warrensville Heights | 13,450 | 190 | 141.3 | 3 |
| Garfield Heights | 29,014 | 207 | 71.3 | 4 |
| Solon | 23,875 | 323 | 135.3 | 5 |
| Beachwood | 13,820 | 964 | 697.5 | 6 |
How Bedford sits against the nearest metro
Distance to Cleveland, OH is 10 miles. Appraisers borrow Cleveland, OH rents, and the 12,834 residents set the ceiling on collections. At $56,563 median household income, the elective and cash-pay share of a projection is the line that gets tested first. No hospital operates here, so the referral sources and the call arrangement have to be named rather than assumed.
More of Ohio
- Bedford Heights 10,791 residents
- Maple Heights 23,081 residents
- Warrensville Heights 13,450 residents
- Garfield Heights 29,014 residents
- Solon 23,875 residents
- Beachwood 13,820 residents
Questions from Bedford
01How many providers practice in Bedford, and in what?
178 enumerations sit at Bedford addresses in the monthly NPPES file, working out to 138.7 for every 10,000 residents. 25 percent of them are home health, and specialty physician groups follows with 23. An enumeration is a clinician, so the 178 here cover fewer than 178 practices.
02What does SBA lending look like around Bedford?
$7,768,200 went to healthcare borrowers in Cuyahoga County across 43 approvals, $180,656 on average. Deals near Bedford get sized against that record before anything else.
03Is Bedford underwritten as part of Cleveland, OH?
Cleveland, OH sits 10 miles away, close enough that appraisers reach into that market for rent and resale comparables while your patient draw stays local. The comparables read Cleveland, OH; the 12,834 residents set the ceiling a projection can defend.
04What does Cuyahoga County's shortage designation change?
HRSA designates Cuyahoga County for primary care, dental, mental health. That opens loan repayment programs for clinicians recruited into Bedford and evidences a staffing ramp in a 12,834 resident market.
05What does a $56,563 median income mean for case acceptance?
Median household income in Bedford runs $56,563. 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.
06Which fields carry the volume in Bedford?
The 26 enumerated fields are led by home health at 45, with specialty physician groups at 23 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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