Ohio micro-market
Healthcare practice financing in Bowling Green, Ohio
Direct answer
Wood County carries 3 SBA healthcare approvals worth $1,882,000, and inside Bowling Green the census shows 236 enumerated clinicians against 30,463 residents, 77.5 per 10,000, 25 percent of them in physical, occupational, and speech therapy. Toledo, OH lies 20 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 Ohio, and how many partners see it, is set out on the Ohio page.
- Population: 30,463 residents (25K-50K band)1
- Healthcare providers registered here: 236 across 24 fields2
- Median household income: $46,7193
- Largest provider field: Physical, occupational, and speech therapy: 58 registered providers2
- Medicare-certified providers in town: 2 across 2 categories4
- Nearest metro: Toledo, OH, 20 miles1
Fields practicing inside Bowling Green
Counted at the town's own addresses: 236 providers, 24 fields, 77.5 clinicians per 10,000 of the 30,463 residents here
| Practice type | Count | Rate per 10,000 residents | Published by |
|---|---|---|---|
| Physical, occupational, and speech therapy | 58 | 19.0 | NPPES [2] |
| Primary care and family medicine | 36 | 11.8 | NPPES [2] |
| Behavioral and mental health group practices | 31 | 10.2 | NPPES [2] |
| Chiropractic | 13 | 4.3 | NPPES [2] |
| General dentistry | 13 | 4.3 | NPPES [2] |
| Optometry and ophthalmology | 12 | 3.9 | NPPES [2] |
| DME and HME suppliers | 9 | 3.0 | NPPES [2] |
| Non-medical home care | 9 | 3.0 | NPPES [2] |
| Dental specialties | 8 | 2.6 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 8 | 2.6 | NPPES [2] |
| Home health | 6 | 2.0 | NPPES [2] |
| Independent pharmacy | 6 | 2.0 | NPPES [2] |
| Specialty physician groups | 6 | 2.0 | NPPES [2] |
| Audiology and hearing centers | 4 | 1.3 | NPPES [2] |
| Med spa and aesthetics | 3 | 1.0 | NPPES [2] |
| Podiatry | 2 | 0.7 | NPPES [2] |
| Dermatology | 2 | 0.7 | NPPES [2] |
| SUD treatment and residential | 2 | 0.7 | NPPES [2] |
| NEMT and ambulance | 2 | 0.7 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 2 | 0.7 | NPPES [2] |
| Pain management and interventional | 1 | 0.3 | NPPES [2] |
| ABA and autism therapy | 1 | 0.3 | NPPES [2] |
| Clinical and toxicology labs | 1 | 0.3 | NPPES [2] |
| Dialysis and infusion centers | 1 | 0.3 | NPPES [2] |
| Medical equipment suppliers | 8 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] | |
| Home health agencies | 1 | CMS [4] |
A single Bowling Green practice can hold more than one of these numbers. 25 percent sit in physical, occupational, and speech therapy, counted as clinicians rather than as owners.
Wood County approvals, dollars, and lending establishments
With 3 healthcare approvals recorded, Wood County gives a valuation almost nothing local to lean on
| Line | Amount | Reading and source |
|---|---|---|
| Healthcare files approved | 3 | Counted for the fiscal year the SBA publishes [5] |
| Dollars behind them | $1,882,000 | Everything approved to healthcare borrowers, added up [5] |
| Typical approval size | $627,333 | The dollar column over the approval column [5] |
| Credit offices operating locally | 71 | Places that write credit locally, NAICS 522 [6] |
What the two tables above change about a file
The ratio that matters up front is 77.5 per 10,000, which decides whether a ramp schedule reads as conservative. With 3 approvals on record in Wood County, expect a longer appraisal and a wider collateral discount. With $46,719 as the median household income, the payer mix in a projection has to match what Bowling Green households actually spend.
Where a file from this town usually lands
- Practice acquisition
- Startup and de novo
- Working capital term loan
- Expansion, relocation, and build-out
- Equipment financing and leasing
The 24 fields practicing locally set this order. A funding partner, not this list, decides what is available in Ohio.
What a funder reads first in Bowling Green
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 (58) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Primary care and family medicine (36) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| Behavioral and mental health group practices (31) | Clinician retention and productivity, Payer mix and Medicaid concentration, Re-authorization and session limit exposure | Working capital through the credentialing lag |
Counts in the first column are Bowling Green providers from NPPES. The other two columns describe how funders read that field across markets like Bowling Green, not what any funder will do with your file.
How Bowling Green prices against its neighbors
Set Bowling Green's 77.5 per 10,000 against the towns an appraiser would reach for next
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Bowling Green (current) | 30,463 | 236 | 77.5 | |
| Perrysburg | 25,313 | 388 | 153.3 | 11 |
| Maumee | 13,625 | 397 | 291.4 | 13 |
| Fostoria | 13,063 | 95 | 72.7 | 19 |
| Oregon | 19,726 | 215 | 109.0 | 22 |
| Findlay | 40,343 | 586 | 145.3 | 23 |
| Sylvania | 19,102 | 419 | 219.3 | 23 |
Distance, income, and the wage floor around Bowling Green
Toledo, OH lies 20 miles from Bowling Green, close enough that appraisers price the lease against Toledo, OH rents while 30,463 residents set the revenue ceiling. Median household income runs $46,719, which is the number a funder converts into case acceptance on anything elective or cash-pay. Wages here are anchored by the Medicare-certified hospital in town, which is what a staffing line gets measured against. A college in Bowling Green puts a term-shaped curve into monthly collections. Bowling Green is the Wood County seat, so county employment steadies the payer mix.
More of Ohio
Bowling Green owners, answered
01How many providers practice in Bowling Green, and in what?
Across 24 fields, Bowling Green carries 236 enumerated clinicians, 77.5 per 10,000 of the 30,463 people living here. The concentration is in physical, occupational, and speech therapy, 58 of the total, then primary care and family medicine at 36. Count practices from that only with care.
02Why does Wood County show so little SBA activity?
Wood County shows 3 approvals in the SBA healthcare file, which means an appraiser reaches outside the county for comparables. Few sales, not weak credit, is the usual reason. 71 lending establishments operate locally.
03What does Wood County's shortage designation change?
Wood County holds a HRSA designation covering primary care, dental, mental health. A pro forma for Bowling Green can cite it as the reason a vacancy is fillable, which is usually the weakest line in a ramp schedule.
04How does the hospital in Bowling Green affect a practice file?
A Medicare-certified hospital operates in the town, which gives referral flow, a call schedule, and a clinical labor pool a funder can verify. 2 Medicare-certified providers are located here in total. It also sets the wage floor behind every hire in a 77.5 per 10,000 market.
05What does a $46,719 median income mean for case acceptance?
Median household income in Bowling Green runs $46,719. 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 Bowling Green?
The 24 enumerated fields are led by physical, occupational, and speech therapy at 58, with primary care and family medicine at 36 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.