Ohio micro-market
Healthcare practice financing in Celina, Ohio
Direct answer
10,945 residents, 135 enumerated clinicians, 123.3 per 10,000, 28 percent of them in physical, occupational, and speech therapy: that is the Celina market a funder prices. Mercer County adds 0 healthcare approvals worth $0 and 27 miles of distance to Lima, 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: 10,945 residents (10K-25K band)1
- Healthcare providers registered here: 135 across 19 fields2
- Median household income: $66,1423
- Largest provider field: Physical, occupational, and speech therapy: 38 registered providers2
- Medicare-certified providers in town: 2 across 2 categories4
- Nearest metro: Lima, OH, 27 miles1
Fields practicing inside Celina
Counted at the town's own addresses: 135 providers, 19 fields, 123.3 clinicians per 10,000 of the 10,945 residents here
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Physical, occupational, and speech therapy | 38 | 34.7 | NPPES [2] |
| Optometry and ophthalmology | 17 | 15.5 | NPPES [2] |
| Chiropractic | 13 | 11.9 | NPPES [2] |
| Primary care and family medicine | 9 | 8.2 | NPPES [2] |
| Behavioral and mental health group practices | 9 | 8.2 | NPPES [2] |
| Non-medical home care | 8 | 7.3 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 8 | 7.3 | NPPES [2] |
| Audiology and hearing centers | 7 | 6.4 | NPPES [2] |
| DME and HME suppliers | 4 | 3.7 | NPPES [2] |
| General dentistry | 4 | 3.7 | NPPES [2] |
| Home health | 3 | 2.7 | NPPES [2] |
| Independent pharmacy | 3 | 2.7 | NPPES [2] |
| Specialty physician groups | 3 | 2.7 | NPPES [2] |
| Dialysis and infusion centers | 3 | 2.7 | NPPES [2] |
| Podiatry | 2 | 1.8 | NPPES [2] |
| SUD treatment and residential | 1 | 0.9 | NPPES [2] |
| Hospice and palliative | 1 | 0.9 | NPPES [2] |
| Clinical and toxicology labs | 1 | 0.9 | NPPES [2] |
| Telehealth and virtual clinics | 1 | 0.9 | NPPES [2] |
| Medical equipment suppliers | 5 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] | |
| Home health agencies | 1 | CMS [4] |
A single Celina practice can hold more than one of these numbers. 28 percent sit in physical, occupational, and speech therapy, counted as clinicians rather than as owners.
What Mercer County credit files already show
The county file holds 0 healthcare approvals, which is a thin comparable set for anyone pricing collateral
| Measure | Published figure | What sits behind it |
|---|---|---|
| Healthcare files approved | 0 | One published fiscal year, healthcare borrowers only [5] |
| Dollars behind them | $0 | Approved, not disbursed, and not net of withdrawals [5] |
| Typical approval size | No approvals recorded | A mean, so one large approval moves it [5] |
| Credit offices operating locally | 26 | Credit intermediation offices sited in the county [6] |
Reading Celina the way a credit committee does
Underwriting starts with 123.3 providers per 10,000 residents, because that ratio caps how fast a chair or a room fills. A short county record of 0 approvals usually means more documentation and a lower advance against the same collateral. Household income of $66,142 in Celina is the number a lender uses to sanity check the self-pay share of a revenue projection.
Programs the Celina mix reaches for
- Practice acquisition
- Startup and de novo
- Working capital term loan
- Medical receivables factoring
- Equipment financing and leasing
Ranked from the 19 fields that actually practice in Celina, weighted toward physical, occupational, and speech therapy. Availability still depends on Ohio and on the funding partner.
Underwriting by field in Celina
What a funder opens first depends on the field. In Celina that means physical, occupational, and speech therapy, optometry and ophthalmology, chiropractic.
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| Physical, occupational, and speech therapy (38) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Optometry and ophthalmology (17) | Exam volume and optical capture, Vision plan mix, Inventory turns | Cold start or acquisition |
| Chiropractic (13) | Cash plan revenue, Personal injury receivable age, Visit volume | Startup or acquisition |
Local counts come from NPPES. What a file turns on is drawn from how the field is generally reviewed, not from any decision about your practice.
Celina against nearby Ohio markets
Density is the number that moves an appraisal: 123.3 per 10,000 here
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Celina (current) | 10,945 | 135 | 123.3 | |
| Van Wert | 11,123 | 125 | 112.4 | 21 |
| Lima | 34,690 | 686 | 197.8 | 27 |
| Sidney | 20,392 | 204 | 100.0 | 28 |
| Greenville | 12,701 | 220 | 173.2 | 31 |
| Piqua | 20,940 | 112 | 53.5 | 33 |
| Troy | 27,122 | 306 | 112.8 | 40 |
Distance, income, and the wage floor around Celina
Lima, OH lies 27 miles from Celina, close enough for rent comparables to travel and far enough that patient draw does not. Households here carry $66,142 in median income, and that ceiling decides how much of a treatment plan gets started rather than deferred. With no hospital in town, a projection has to name where referrals and coverage come from. A college in Celina puts a term-shaped curve into monthly collections. Celina is the Mercer County seat, so county employment steadies the payer mix.
Other Ohio markets
Questions from Celina
01How many providers practice in Celina, and in what?
NPPES lists 135 providers at a Celina practice address, 123.3 per 10,000 residents across 19 tracked fields. Physical, occupational, and speech therapy accounts for 38 of them, 28 percent of the total, with optometry and ophthalmology next at 17. Read that as clinicians: 135 enumerations, not 135 owners.
02Why does Mercer County show so little SBA activity?
The published file records 0 7(a) and 504 approvals to healthcare borrowers in Mercer County. That tracks how few Mercer County practices changed hands that year, not credit quality. 26 credit intermediation establishments operate in Mercer County, so the lending capacity is local even where the healthcare history is not.
03Is Celina underwritten as part of Lima, OH?
Lima, OH sits 27 miles away, close enough that appraisers reach into that market for rent and resale comparables while your patient draw stays local. The comparables read Lima, OH; the 10,945 residents set the ceiling a projection can defend.
04What does Mercer County's shortage designation change?
Designated for primary care, mental health, Mercer County qualifies its clinicians for federal repayment support. On a file that turns on adding staff, that is the difference between a hiring assumption and a hiring plan.
05Does being the Mercer County seat change anything?
Celina is the Mercer County seat, so county payroll steadies the payer mix and courthouse traffic keeps the daytime population above the 10,945 residents on the census. Both show up as a flatter seasonal curve in a collections history.
06Which fields carry the volume in Celina?
Volume concentrates in physical, occupational, and speech therapy, 38 of them, ahead of optometry and ophthalmology at 17, across 19 fields. A thin second field usually means a longer search for staff than a pro forma allows for.
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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