Ohio micro-market
Healthcare practice financing in Fremont, Ohio
Direct answer
Sandusky County carries 2 SBA healthcare approvals worth $92,900, and inside Fremont the census shows 204 enumerated clinicians against 15,814 residents, 129.0 per 10,000, 26 percent of them in physical, occupational, and speech therapy. Sandusky, OH lies 22 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: 15,814 residents (10K-25K band)1
- Healthcare providers registered here: 204 across 24 fields2
- Median household income: $50,9743
- Largest provider field: Physical, occupational, and speech therapy: 54 registered providers2
- Medicare-certified providers in town: 3 across 2 categories4
- Nearest metro: Sandusky, OH, 22 miles1
Fields practicing inside Fremont
129.0 providers per 10,000 residents is what 204 enumerations across 24 fields works out to in a town of 15,814
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Physical, occupational, and speech therapy | 54 | 34.1 | NPPES [2] |
| Primary care and family medicine | 24 | 15.2 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 17 | 10.7 | NPPES [2] |
| General dentistry | 15 | 9.5 | NPPES [2] |
| Chiropractic | 12 | 7.6 | NPPES [2] |
| Optometry and ophthalmology | 12 | 7.6 | NPPES [2] |
| DME and HME suppliers | 11 | 7.0 | NPPES [2] |
| Home health | 11 | 7.0 | NPPES [2] |
| Specialty physician groups | 10 | 6.3 | NPPES [2] |
| Non-medical home care | 7 | 4.4 | NPPES [2] |
| Independent pharmacy | 6 | 3.8 | NPPES [2] |
| SUD treatment and residential | 3 | 1.9 | NPPES [2] |
| Med spa and aesthetics | 3 | 1.9 | NPPES [2] |
| Behavioral and mental health group practices | 3 | 1.9 | NPPES [2] |
| Telehealth and virtual clinics | 3 | 1.9 | NPPES [2] |
| Podiatry | 2 | 1.3 | NPPES [2] |
| Hospice and palliative | 2 | 1.3 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 2 | 1.3 | NPPES [2] |
| Dialysis and infusion centers | 2 | 1.3 | NPPES [2] |
| Sleep centers | 1 | 0.6 | NPPES [2] |
| Imaging centers | 1 | 0.6 | NPPES [2] |
| Dental specialties | 1 | 0.6 | NPPES [2] |
| Mobile diagnostics | 1 | 0.6 | NPPES [2] |
| Audiology and hearing centers | 1 | 0.6 | NPPES [2] |
| Medical equipment suppliers | 7 | CMS [4] | |
| Dialysis facilities | 2 | CMS [4] | |
| Hospice providers | 1 | CMS [4] |
A single Fremont practice can hold more than one of these numbers. 26 percent sit in physical, occupational, and speech therapy, counted as clinicians rather than as owners.
Sandusky County approvals, dollars, and lending establishments
With 2 healthcare approvals recorded, Sandusky County gives a valuation almost nothing local to lean on
| Line | Amount | Reading and source |
|---|---|---|
| Healthcare files approved | 2 | One published fiscal year, healthcare borrowers only [5] |
| Dollars behind them | $92,900 | Approved, not disbursed, and not net of withdrawals [5] |
| Typical approval size | $46,450 | A mean, so one large approval moves it [5] |
| Credit offices operating locally | 32 | Credit intermediation offices sited in the county [6] |
How this data lands in an underwriting decision
At 129.0 clinicians per 10,000 residents, the catchment radius in a projection has to be defended rather than assumed. With 2 approvals on record in Sandusky County, expect a longer appraisal and a wider collateral discount. A $50,974 median household income here sets the ceiling on what an elective or cash-pay line can be expected to carry.
Programs the Fremont mix reaches for
- Practice acquisition
- Startup and de novo
- Working capital term loan
- Expansion, relocation, and build-out
- Equipment financing and leasing
Ranked from the 24 fields that actually practice in Fremont, weighted toward physical, occupational, and speech therapy. Availability still depends on Ohio and on the funding partner.
Underwriting by field in Fremont
What a funder opens first depends on the field. In Fremont that means physical, occupational, and speech therapy, primary care and family medicine, skilled nursing, assisted living, and memory care.
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| Physical, occupational, and speech therapy (54) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Primary care and family medicine (24) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| Skilled nursing, assisted living, and memory care (17) | Census and occupancy, Staffing reporting, Survey history | Working capital |
Column one counts Fremont clinicians from the federal file. Columns two and three describe how the field is usually underwritten, and a partner can read a Fremont file differently.
Density beside the neighboring Ohio towns
Set Fremont's 129.0 per 10,000 against the towns an appraiser would reach for next
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Fremont (current) | 15,814 | 204 | 129.0 | |
| Tiffin | 17,729 | 239 | 134.8 | 17 |
| Fostoria | 13,063 | 95 | 72.7 | 20 |
| Sandusky | 24,174 | 465 | 192.4 | 22 |
| Oregon | 19,726 | 215 | 109.0 | 27 |
| Norwalk | 17,172 | 164 | 95.5 | 27 |
| Bowling Green | 30,463 | 236 | 77.5 | 28 |
Distance, income, and the wage floor around Fremont
Sandusky, OH lies 22 miles from Fremont, close enough that appraisers price the lease against Sandusky, OH rents while 15,814 residents set the revenue ceiling. Households here carry $50,974 in median income, and that ceiling decides how much of a treatment plan gets started rather than deferred. Hospital coverage inside Fremont means a call schedule can be evidenced rather than described. A college in Fremont puts a term-shaped curve into monthly collections. Fremont is the Sandusky County seat, so county employment steadies the payer mix.
More of Ohio
Fremont owners, answered
01How many providers practice in Fremont, and in what?
NPPES lists 204 providers at a Fremont practice address, 129.0 per 10,000 residents across 24 tracked fields. Physical, occupational, and speech therapy accounts for 54 of them, 26 percent of the total, with primary care and family medicine next at 24. Read that as clinicians: 204 enumerations, not 204 owners.
02Why does Sandusky County show so little SBA activity?
The published file records 2 7(a) and 504 approvals to healthcare borrowers in Sandusky County. That tracks how few Sandusky County practices changed hands that year, not credit quality. 32 credit intermediation establishments operate in Sandusky County, so the lending capacity is local even where the healthcare history is not.
03Is Fremont underwritten as part of Sandusky, OH?
Sandusky, OH sits 22 miles away, close enough that appraisers reach into that market for rent and resale comparables while your patient draw stays local. The comparables read Sandusky, OH; the 15,814 residents set the ceiling a projection can defend.
04What does Sandusky County's shortage designation change?
The primary care, dental, mental health designation HRSA carries on Sandusky County is a recruiting instrument: it puts repayment incentives in front of candidates, which is how a hiring plan for 15,814 residents gets past the question of who would take the job.
05How does the hospital in Fremont affect a practice file?
It makes the staffing and referral lines checkable. 3 Medicare-certified providers hold Fremont addresses, and the hospital sets the wage a clinical hire is bid against in a 129.0 per 10,000 market.
06What does a $50,974 median income mean for case acceptance?
Median household income in Fremont runs $50,974. 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.
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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