Ohio micro-market
Healthcare practice financing in Clayton, Ohio
Direct answer
13,296 residents, 13 enumerated clinicians, 9.8 per 10,000, 38 percent of them in home health: that is the Clayton market a funder prices. Montgomery County adds 14 healthcare approvals worth $6,556,500 and 9 miles of distance to Dayton-Kettering-Beavercreek, 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: 13,296 residents (10K-25K band)1
- Healthcare providers registered here: 13 across 6 fields2
- Median household income: $90,8863
- Largest provider field: Home health: 5 registered providers2
- Nearest metro: Dayton-Kettering-Beavercreek, OH, 9 miles1
- SBA healthcare approvals in the county: 14 approvals totaling $6,556,5004
Fields practicing inside Clayton
9.8 providers per 10,000 residents is what 13 enumerations across 6 fields works out to in a town of 13,296
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Home health | 5 | 3.8 | NPPES [2] |
| Non-medical home care | 2 | 1.5 | NPPES [2] |
| Behavioral and mental health group practices | 2 | 1.5 | NPPES [2] |
| Physical, occupational, and speech therapy | 2 | 1.5 | NPPES [2] |
| DME and HME suppliers | 1 | 0.8 | NPPES [2] |
| Optometry and ophthalmology | 1 | 0.8 | NPPES [2] |
Several of the 5 home health enumerations can belong to one practice, so the column counts clinicians rather than businesses or owners
The lending record behind Clayton
Lenders in Montgomery County have already closed 14 healthcare approvals, averaging $468,321, which is the size a new file gets read beside
| Measure | Published figure | What sits behind it |
|---|---|---|
| SBA healthcare approvals | 14 | Counted for the fiscal year the SBA publishes [4] |
| Approved dollars | $6,556,500 | Everything approved to healthcare borrowers, added up [4] |
| Average approval | $468,321 | The dollar column over the approval column [4] |
| Lending establishments in the county | 221 | Places that write credit locally, NAICS 522 [5] |
Reading Clayton the way a credit committee does
At 9.8 clinicians per 10,000 residents, the catchment radius in a projection has to be defended rather than assumed. A request measured against 14 prior Montgomery County approvals is priced on precedent, which shortens the questions about valuation. With $90,886 as the median household income, the payer mix in a projection has to match what Clayton households actually spend.
The programs this provider mix points at
- Medical receivables factoring
- Working capital term loan
- Healthcare AR line and payroll funding
- Practice acquisition
- Startup and de novo
Built from what is enumerated here rather than from a national list, so a field with no presence in Clayton does not appear. Availability is still a Ohio question.
The first pages of a Clayton file
What a funder opens first depends on the field. In Clayton that means home health, non-medical home care, behavioral and mental health group practices.
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| Home health (5) | Medicare certification first, Payer mix second, Days in accounts receivable third | Payroll between visit and remittance |
| Non-medical home care (2) | Payer mix between waiver and private pay, Caregiver retention, Electronic visit verification compliance | Payroll funding against waiver and managed care receivables |
| Behavioral and mental health group practices (2) | Clinician retention and productivity, Payer mix and Medicaid concentration, Re-authorization and session limit exposure | Working capital through the credentialing lag |
Column one counts Clayton clinicians from the federal file. Columns two and three describe how the field is usually underwritten, and a partner can read a Clayton file differently.
How Clayton prices against its neighbors
The neighboring markets below are the ones a valuation borrows from when Clayton has too few sales of its own
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Clayton (current) | 13,296 | 13 | 9.8 | |
| Englewood | 13,282 | 149 | 112.2 | 1 |
| Trotwood | 23,073 | 68 | 29.5 | 5 |
| Vandalia | 15,013 | 116 | 77.3 | 7 |
| Huber Heights | 43,590 | 222 | 50.9 | 11 |
| Riverside | 24,472 | 18 | 7.4 | 12 |
| Troy | 27,122 | 306 | 112.8 | 13 |
How Clayton sits against the nearest metro
Distance to Dayton-Kettering-Beavercreek, OH is 9 miles. Appraisers borrow Dayton-Kettering-Beavercreek, OH rents, and the 13,296 residents set the ceiling on collections. Households here carry $90,886 in median income, and that ceiling decides how much of a treatment plan gets started rather than deferred. Referral flow comes from outside Clayton, which a projection needs to state plainly.
Nearby Ohio towns
Questions from Clayton
01How many providers practice in Clayton, and in what?
Across 6 fields, Clayton carries 13 enumerated clinicians, 9.8 per 10,000 of the 13,296 people living here. The concentration is in home health, 5 of the total, then non-medical home care at 2. Count practices from that only with care.
02Is Clayton underwritten as part of Dayton-Kettering-Beavercreek, OH?
Partly. Dayton-Kettering-Beavercreek, OH is 9 miles out, so rent and equipment comparables travel in from there while patients still come from the 13,296 residents around Clayton. Cost side metro, revenue side local.
03What does SBA lending look like around Clayton?
Healthcare borrowers in Montgomery County took 14 approvals worth $6,556,500 in the published fiscal year, averaging $468,321. That is the comparable set an appraiser near Clayton reaches for first.
04What does Montgomery County's shortage designation change?
The primary care, dental, mental health designation HRSA carries on Montgomery County is a recruiting instrument: it puts repayment incentives in front of candidates, which is how a hiring plan for 13,296 residents gets past the question of who would take the job.
05Is 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 Clayton rents and resale before or by somebody working from a screen.
06What does the underserved designation in Montgomery County support?
Montgomery County carries a medically underserved designation. It evidences unmet demand behind a capacity build, and it opens recruitment programs that make a staffing line in a projection easier to defend than local wage data alone would.
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
- 4U.S. Small Business Administration, 7(a) and 504 approvals
- 5U.S. Census Bureau, County Business Patterns 2022
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