Ohio micro-market
Healthcare practice financing in Cambridge, Ohio
Direct answer
10,036 residents, 191 enumerated clinicians, 190.3 per 10,000, 17 percent of them in physical, occupational, and speech therapy: that is the Cambridge market a funder prices. Guernsey County adds 0 healthcare approvals worth $0 and 47 miles of distance to Wheeling, WV-OH.
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: 10,036 residents (10K-25K band)1
- Healthcare providers registered here: 191 across 28 fields2
- Median household income: $37,9003
- Largest provider field: Physical, occupational, and speech therapy: 33 registered providers2
- Medicare-certified providers in town: 5 across 4 categories4
- Nearest metro: Wheeling, WV-OH, 47 miles1
Who is enumerated in Cambridge
The NPPES file puts 191 enumerated clinicians inside Cambridge, spread over 28 fields at 190.3 per 10,000 residents
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Physical, occupational, and speech therapy | 33 | 32.9 | NPPES [2] |
| Specialty physician groups | 21 | 20.9 | NPPES [2] |
| General dentistry | 18 | 17.9 | NPPES [2] |
| Chiropractic | 16 | 15.9 | NPPES [2] |
| Primary care and family medicine | 16 | 15.9 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 14 | 13.9 | NPPES [2] |
| Behavioral and mental health group practices | 13 | 13.0 | NPPES [2] |
| Optometry and ophthalmology | 12 | 12.0 | NPPES [2] |
| Home health | 11 | 11.0 | NPPES [2] |
| Independent pharmacy | 7 | 7.0 | NPPES [2] |
| Podiatry | 4 | 4.0 | NPPES [2] |
| Non-medical home care | 3 | 3.0 | NPPES [2] |
| DME and HME suppliers | 2 | 2.0 | NPPES [2] |
| Dental specialties | 2 | 2.0 | NPPES [2] |
| Audiology and hearing centers | 2 | 2.0 | NPPES [2] |
| Hospice and palliative | 2 | 2.0 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 2 | 2.0 | NPPES [2] |
| Dialysis and infusion centers | 2 | 2.0 | NPPES [2] |
| Telehealth and virtual clinics | 2 | 2.0 | NPPES [2] |
| ASCs and OBLs | 1 | 1.0 | NPPES [2] |
| SUD treatment and residential | 1 | 1.0 | NPPES [2] |
| Pain management and interventional | 1 | 1.0 | NPPES [2] |
| Mobile diagnostics | 1 | 1.0 | NPPES [2] |
| NEMT and ambulance | 1 | 1.0 | NPPES [2] |
| ABA and autism therapy | 1 | 1.0 | NPPES [2] |
| Med spa and aesthetics | 1 | 1.0 | NPPES [2] |
| Clinical research sites | 1 | 1.0 | NPPES [2] |
| IV hydration and infusion | 1 | 1.0 | NPPES [2] |
| Medical equipment suppliers | 5 | CMS [4] | |
| Home health agencies | 2 | CMS [4] | |
| Ambulatory surgical centers | 1 | CMS [4] | |
| Hospice providers | 1 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] |
A single Cambridge practice can hold more than one of these numbers. 17 percent sit in physical, occupational, and speech therapy, counted as clinicians rather than as owners.
The lending record behind Cambridge
With 0 healthcare approvals recorded, Guernsey County gives a valuation almost nothing local to lean on
| Line | Amount | Reading and source |
|---|---|---|
| Healthcare files approved | 0 | Counted for the fiscal year the SBA publishes [5] |
| Dollars behind them | $0 | Everything approved to healthcare borrowers, added up [5] |
| Typical approval size | No approvals recorded | The dollar column over the approval column [5] |
| Credit offices operating locally | 21 | Places that write credit locally, NAICS 522 [6] |
How this data lands in an underwriting decision
A file from here opens on 190.3 providers per 10,000 residents, and everything about volume follows from it. With 0 approvals on record in Guernsey County, expect a longer appraisal and a wider collateral discount. With $37,900 as the median household income, the payer mix in a projection has to match what Cambridge households actually spend.
Programs the Cambridge mix reaches for
- Practice acquisition
- Startup and de novo
- Expansion, relocation, and build-out
- Equipment financing and leasing
- Working capital term loan
Ranked from the 28 fields that actually practice in Cambridge, weighted toward physical, occupational, and speech therapy. Availability still depends on Ohio and on the funding partner.
Underwriting by field in Cambridge
What a funder opens first depends on the field. In Cambridge that means physical, occupational, and speech therapy, specialty physician groups, general dentistry.
| Field | What the file turns on | The capital event behind most requests |
|---|---|---|
| Physical, occupational, and speech therapy (33) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Specialty physician groups (21) | Ancillary revenue contribution, Provider productivity, Payer contracts | Ancillary build-out |
| 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 |
Counts in the first column are Cambridge providers from NPPES. The other two columns describe how funders read that field across markets like Cambridge, not what any funder will do with your file.
How Cambridge prices against its neighbors
Comparables travel. These are the Ohio towns whose density, at 190.3 per 10,000 here, gets weighed beside this one.
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Cambridge (current) | 10,036 | 191 | 190.3 | |
| Coshocton | 11,114 | 156 | 140.4 | 22 |
| Zanesville | 24,916 | 477 | 191.4 | 23 |
| New Philadelphia | 17,378 | 150 | 86.3 | 33 |
| Dover | 12,946 | 177 | 136.7 | 36 |
| Marietta | 13,039 | 348 | 266.9 | 42 |
| Newark | 51,424 | 454 | 88.3 | 44 |
Distance, income, and the wage floor around Cambridge
Wheeling, WV-OH lies 47 miles from Cambridge, close enough for rent comparables to travel and far enough that patient draw does not. Median household income runs $37,900, which is the number a funder converts into case acceptance on anything elective or cash-pay. Because a certified hospital sits inside the town, both the referral path and the pay a clinical hire expects are already observable. Cambridge is the Guernsey County seat, so county employment steadies the payer mix.
More of Ohio
- Coshocton 11,114 residents
- Zanesville 24,916 residents
- New Philadelphia 17,378 residents
- Dover 12,946 residents
- Marietta 13,039 residents
- Newark 51,424 residents
What owners in Cambridge ask
01How many providers practice in Cambridge, and in what?
191 enumerations sit at Cambridge addresses in the monthly NPPES file, working out to 190.3 for every 10,000 residents. 17 percent of them are physical, occupational, and speech therapy, and specialty physician groups follows with 21. An enumeration is a clinician, so the 191 here cover fewer than 191 practices.
02What does Guernsey County's shortage designation change?
The primary care, dental, mental health designation HRSA carries on Guernsey County is a recruiting instrument: it puts repayment incentives in front of candidates, which is how a hiring plan for 10,036 residents gets past the question of who would take the job.
03Why does Guernsey County show so little SBA activity?
Guernsey County shows 0 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. 21 lending establishments operate locally.
04How does the hospital in Cambridge 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. 5 Medicare-certified providers are located here in total. It also sets the wage floor behind every hire in a 190.3 per 10,000 market.
05Which fields carry the volume in Cambridge?
Physical, occupational, and speech therapy at 33 providers and specialty physician groups at 21 lead the 28 fields enumerated here. A funder reads that mix as the local competition set and the local hiring pool at once, before it reads a single line of your own numbers.
06Is Cambridge underwritten as part of Wheeling, WV-OH?
Comparables and demand split at 47 miles. An appraiser prices the lease and the equipment off Wheeling, WV-OH; the revenue line has to hold up against 10,036 local residents.
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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