Ohio micro-market
Healthcare practice financing in Centerville, Ohio
Direct answer
Montgomery County carries 14 SBA healthcare approvals worth $6,556,500, and inside Centerville the census shows 398 enumerated clinicians against 26,311 residents, 151.3 per 10,000, 18 percent of them in physical, occupational, and speech therapy. Dayton-Kettering-Beavercreek, OH lies 11 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: 26,311 residents (25K-50K band)1
- Healthcare providers registered here: 398 across 27 fields2
- Median household income: $81,5003
- Largest provider field: Physical, occupational, and speech therapy: 73 registered providers2
- Medicare-certified providers in town: 2 across 2 categories4
- Nearest metro: Dayton-Kettering-Beavercreek, OH, 11 miles1
The clinical base a lender can verify here
The NPPES file puts 398 enumerated clinicians inside Centerville, spread over 27 fields at 151.3 per 10,000 residents
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Physical, occupational, and speech therapy | 73 | 27.7 | NPPES [2] |
| Primary care and family medicine | 61 | 23.2 | NPPES [2] |
| Specialty physician groups | 33 | 12.5 | NPPES [2] |
| Behavioral and mental health group practices | 22 | 8.4 | NPPES [2] |
| General dentistry | 21 | 8.0 | NPPES [2] |
| Chiropractic | 20 | 7.6 | NPPES [2] |
| DME and HME suppliers | 18 | 6.8 | NPPES [2] |
| Dental specialties | 16 | 6.1 | NPPES [2] |
| Home health | 14 | 5.3 | NPPES [2] |
| Audiology and hearing centers | 14 | 5.3 | NPPES [2] |
| Non-medical home care | 13 | 4.9 | NPPES [2] |
| Independent pharmacy | 12 | 4.6 | NPPES [2] |
| ABA and autism therapy | 12 | 4.6 | NPPES [2] |
| Dermatology | 11 | 4.2 | NPPES [2] |
| Optometry and ophthalmology | 11 | 4.2 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 10 | 3.8 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 8 | 3.0 | NPPES [2] |
| Podiatry | 7 | 2.7 | NPPES [2] |
| Med spa and aesthetics | 6 | 2.3 | NPPES [2] |
| Plastic and cosmetic surgery | 5 | 1.9 | NPPES [2] |
| Clinical and toxicology labs | 3 | 1.1 | NPPES [2] |
| Urgent care | 2 | 0.8 | NPPES [2] |
| Fertility and IVF | 2 | 0.8 | NPPES [2] |
| ASCs and OBLs | 1 | 0.4 | NPPES [2] |
| Pain management and interventional | 1 | 0.4 | NPPES [2] |
| IV hydration and infusion | 1 | 0.4 | NPPES [2] |
| Dialysis and infusion centers | 1 | 0.4 | NPPES [2] |
| Medical equipment suppliers | 9 | CMS [4] | |
| Ambulatory surgical centers | 1 | CMS [4] | |
| Home health agencies | 1 | CMS [4] |
A single Centerville practice can hold more than one of these numbers. 18 percent sit in physical, occupational, and speech therapy, counted as clinicians rather than as owners.
The lending record behind Centerville
Lenders in Montgomery County have already closed 14 healthcare approvals, averaging $468,321, which is the size a new file gets read beside
| Line | Amount | Reading and source |
|---|---|---|
| Healthcare files approved | 14 | Counted for the fiscal year the SBA publishes [5] |
| Dollars behind them | $6,556,500 | Everything approved to healthcare borrowers, added up [5] |
| Typical approval size | $468,321 | The dollar column over the approval column [5] |
| Credit offices operating locally | 221 | Places that write credit locally, NAICS 522 [6] |
Reading Centerville the way a credit committee does
The ratio that matters up front is 151.3 per 10,000, which decides whether a ramp schedule reads as conservative. A request measured against 14 prior Montgomery County approvals is priced on precedent, which shortens the questions about valuation. A $81,500 median household income here sets the ceiling on what an elective or cash-pay line can be expected to carry.
Programs the Centerville mix reaches for
- Practice acquisition
- Startup and de novo
- Expansion, relocation, and build-out
- Working capital term loan
- Equipment financing and leasing
Ranked from the 27 fields that actually practice in Centerville, weighted toward physical, occupational, and speech therapy. Availability still depends on Ohio and on the funding partner.
What a funder reads first in Centerville
What a funder opens first depends on the field. In Centerville that means physical, occupational, and speech therapy, primary care and family medicine, specialty physician groups.
| Practice type | The pages that decide it | Typical capital event |
|---|---|---|
| Physical, occupational, and speech therapy (73) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Primary care and family medicine (61) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| Specialty physician groups (33) | Ancillary revenue contribution, Provider productivity, Payer contracts | Ancillary build-out |
NPPES supplies the Centerville counts. The reading columns describe the field in general, and no partner reviewing a Centerville file is bound by them.
Density beside the neighboring Ohio towns
Density is the number that moves an appraisal: 151.3 per 10,000 here
| Comparable | People | Enumerations | Per 10,000 residents | Miles |
|---|---|---|---|---|
| Centerville (current) | 26,311 | 398 | 151.3 | |
| West Carrollton | 12,911 | 43 | 33.3 | 6 |
| Miamisburg | 20,253 | 297 | 146.6 | 7 |
| Springboro | 19,646 | 186 | 94.7 | 7 |
| Franklin | 11,758 | 95 | 80.8 | 10 |
| Riverside | 24,472 | 18 | 7.4 | 10 |
| Xenia | 26,067 | 215 | 82.5 | 11 |
Distance, income, and the wage floor around Centerville
Dayton-Kettering-Beavercreek, OH lies 11 miles from Centerville, close enough that appraisers price the lease against Dayton-Kettering-Beavercreek, OH rents while 26,311 residents set the revenue ceiling. Median household income runs $81,500, which is the number a funder converts into case acceptance on anything elective or cash-pay. No hospital operates here, so the referral sources and the call arrangement have to be named rather than assumed. Campus terms, not calendar quarters, set the busy months in Centerville.
More of Ohio
- West Carrollton 12,911 residents
- Miamisburg 20,253 residents
- Springboro 19,646 residents
- Franklin 11,758 residents
- Riverside 24,472 residents
- Xenia 26,067 residents
Centerville owners, answered
01How many providers practice in Centerville, and in what?
398 enumerations sit at Centerville addresses in the monthly NPPES file, working out to 151.3 for every 10,000 residents. 18 percent of them are physical, occupational, and speech therapy, and primary care and family medicine follows with 61. An enumeration is a clinician, so the 398 here cover fewer than 398 practices.
02What does Montgomery County's shortage designation change?
Montgomery County holds a HRSA designation covering primary care, dental, mental health. A pro forma for Centerville can cite it as the reason a vacancy is fillable, which is usually the weakest line in a ramp schedule.
03Is Centerville underwritten as part of Dayton-Kettering-Beavercreek, OH?
Partly. Dayton-Kettering-Beavercreek, OH is 11 miles out, so rent and equipment comparables travel in from there while patients still come from the 26,311 residents around Centerville. Cost side metro, revenue side local.
04Is there local lending capacity in Montgomery County?
County Business Patterns records 221 credit intermediation establishments in Montgomery County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Centerville rents and resale before or by somebody working from a screen.
05What does SBA lending look like around Centerville?
$6,556,500 went to healthcare borrowers in Montgomery County across 14 approvals, $468,321 on average. Deals near Centerville get sized against that record before anything else.
06Which fields carry the volume in Centerville?
The 27 enumerated fields are led by physical, occupational, and speech therapy at 73, with primary care and family medicine at 61 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.