Ohio micro-market
Healthcare practice financing in Huber Heights, Ohio
Direct answer
Montgomery County carries 14 SBA healthcare approvals worth $6,556,500, and inside Huber Heights the census shows 222 enumerated clinicians against 43,590 residents, 50.9 per 10,000, 13 percent of them in physical, occupational, and speech therapy. Dayton-Kettering-Beavercreek, OH lies 7 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: 43,590 residents (25K-50K band)1
- Healthcare providers registered here: 222 across 27 fields2
- Median household income: $76,5513
- Largest provider field: Physical, occupational, and speech therapy: 29 registered providers2
- Medicare-certified providers in town: 5 across 4 categories4
- Nearest metro: Dayton-Kettering-Beavercreek, OH, 7 miles1
The clinical base a lender can verify here
The NPPES file puts 222 enumerated clinicians inside Huber Heights, spread over 27 fields at 50.9 per 10,000 residents
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Physical, occupational, and speech therapy | 29 | 6.7 | NPPES [2] |
| Home health | 28 | 6.4 | NPPES [2] |
| Primary care and family medicine | 23 | 5.3 | NPPES [2] |
| General dentistry | 20 | 4.6 | NPPES [2] |
| Chiropractic | 14 | 3.2 | NPPES [2] |
| Non-medical home care | 13 | 3.0 | NPPES [2] |
| Optometry and ophthalmology | 12 | 2.8 | NPPES [2] |
| Behavioral and mental health group practices | 11 | 2.5 | NPPES [2] |
| DME and HME suppliers | 10 | 2.3 | NPPES [2] |
| Independent pharmacy | 9 | 2.1 | NPPES [2] |
| Specialty physician groups | 8 | 1.8 | NPPES [2] |
| Urgent care | 6 | 1.4 | NPPES [2] |
| SUD treatment and residential | 6 | 1.4 | NPPES [2] |
| ABA and autism therapy | 6 | 1.4 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 5 | 1.1 | NPPES [2] |
| Dialysis and infusion centers | 4 | 0.9 | NPPES [2] |
| Med spa and aesthetics | 3 | 0.7 | NPPES [2] |
| Clinical and toxicology labs | 3 | 0.7 | NPPES [2] |
| Podiatry | 2 | 0.5 | NPPES [2] |
| Dermatology | 2 | 0.5 | NPPES [2] |
| Imaging centers | 2 | 0.5 | NPPES [2] |
| IDD services | 1 | 0.2 | NPPES [2] |
| ASCs and OBLs | 1 | 0.2 | NPPES [2] |
| Dental specialties | 1 | 0.2 | NPPES [2] |
| Hospice and palliative | 1 | 0.2 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 1 | 0.2 | NPPES [2] |
| Telehealth and virtual clinics | 1 | 0.2 | NPPES [2] |
| Medical equipment suppliers | 8 | CMS [4] | |
| Home health agencies | 2 | CMS [4] | |
| Ambulatory surgical centers | 1 | CMS [4] | |
| Hospice providers | 1 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] |
Several of the 29 physical, occupational, and speech therapy enumerations can belong to one practice, so the column counts clinicians rather than businesses or owners
What lenders have already approved in Montgomery County
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 |
|---|---|---|
| Approvals on record | 14 | Fiscal year published in the SBA file [5] |
| Total approved capital | $6,556,500 | Sum of approvals to healthcare borrowers [5] |
| Mean deal size | $468,321 | Dollars divided by approvals [5] |
| Lenders sited in the county | 221 | Credit intermediation establishments, NAICS 522 [6] |
What the two tables above change about a file
Density of 50.9 per 10,000 sets the patient draw a projection can claim without an argument. Because Montgomery County already carries $6,556,500 across 14 healthcare approvals, a request near that average moves faster than one well above it. With $76,551 as the median household income, the payer mix in a projection has to match what Huber Heights households actually spend.
Programs the Huber Heights mix reaches for
- Practice acquisition
- Startup and de novo
- Working capital term loan
- Medical receivables factoring
- Expansion, relocation, and build-out
Ranked from the 27 fields that actually practice in Huber Heights, weighted toward physical, occupational, and speech therapy. Availability still depends on Ohio and on the funding partner.
Underwriting by field in Huber Heights
What a funder opens first depends on the field. In Huber Heights that means physical, occupational, and speech therapy, home health, primary care and family medicine.
| Practice type | The pages that decide it | Typical capital event |
|---|---|---|
| Physical, occupational, and speech therapy (29) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Home health (28) | Medicare certification first, Payer mix second, Days in accounts receivable third | Payroll between visit and remittance |
| Primary care and family medicine (23) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
Column one counts Huber Heights clinicians from the federal file. Columns two and three describe how the field is usually underwritten, and a partner can read a Huber Heights file differently.
How Huber Heights prices against its neighbors
The neighboring markets below are the ones a valuation borrows from when Huber Heights has too few sales of its own
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Huber Heights (current) | 43,590 | 222 | 50.9 | |
| Vandalia | 15,013 | 116 | 77.3 | 4 |
| Riverside | 24,472 | 18 | 7.4 | 5 |
| Fairborn | 35,105 | 186 | 53.0 | 7 |
| Englewood | 13,282 | 149 | 112.2 | 10 |
| Clayton | 13,296 | 13 | 9.8 | 11 |
| Trotwood | 23,073 | 68 | 29.5 | 12 |
How Huber Heights sits against the nearest metro
7 miles separate Huber Heights from Dayton-Kettering-Beavercreek, OH. Lease pricing follows Dayton-Kettering-Beavercreek, OH, while revenue stays capped by the 43,590 residents here. Households here carry $76,551 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. Campus terms, not calendar quarters, set the busy months in Huber Heights.
Nearby Ohio towns
Questions from Huber Heights
01How many providers practice in Huber Heights, and in what?
Across 27 fields, Huber Heights carries 222 enumerated clinicians, 50.9 per 10,000 of the 43,590 people living here. The concentration is in physical, occupational, and speech therapy, 29 of the total, then home health at 28. Count practices from that only with care.
02What does Montgomery County's shortage designation change?
HRSA designates Montgomery County for primary care, dental, mental health. That opens loan repayment programs for clinicians recruited into Huber Heights and evidences a staffing ramp in a 43,590 resident market.
03Which fields carry the volume in Huber Heights?
The 27 enumerated fields are led by physical, occupational, and speech therapy at 29, with home health at 28 behind it. Those two counts double as the competition you are entering and the bench you would hire from.
04Is Huber Heights underwritten as part of Dayton-Kettering-Beavercreek, OH?
Partly. Dayton-Kettering-Beavercreek, OH is 7 miles out, so rent and equipment comparables travel in from there while patients still come from the 43,590 residents around Huber Heights. Cost side metro, revenue side local.
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 Huber Heights rents and resale before or by somebody working from a screen.
06What does SBA lending look like around Huber Heights?
$6,556,500 went to healthcare borrowers in Montgomery County across 14 approvals, $468,321 on average. Deals near Huber Heights get sized against that record before anything else.
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.