Ohio micro-market
Healthcare practice financing in Lima, Ohio
Direct answer
Density decides a lot here. Lima runs 197.8 providers per 10,000 residents, 686 clinicians against 34,690 people, 21 percent of them in physical, occupational, and speech therapy, while Allen County lenders have approved 1 healthcare files worth $100,000 and the nearest metro is 0 miles out.
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: 34,690 residents (25K-50K band)1
- Healthcare providers registered here: 686 across 32 fields2
- Median household income: $43,3703
- Largest provider field: Physical, occupational, and speech therapy: 144 registered providers2
- Medicare-certified providers in town: 16 across 4 categories4
- Nearest metro: Lima, OH, 0 miles1
Fields practicing inside Lima
Counted at the town's own addresses: 686 providers, 32 fields, 197.8 clinicians per 10,000 of the 34,690 residents here
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Physical, occupational, and speech therapy | 144 | 41.5 | NPPES [2] |
| Specialty physician groups | 78 | 22.5 | NPPES [2] |
| Primary care and family medicine | 77 | 22.2 | NPPES [2] |
| Optometry and ophthalmology | 42 | 12.1 | NPPES [2] |
| Home health | 38 | 11.0 | NPPES [2] |
| Chiropractic | 37 | 10.7 | NPPES [2] |
| General dentistry | 36 | 10.4 | NPPES [2] |
| Behavioral and mental health group practices | 32 | 9.2 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 28 | 8.1 | NPPES [2] |
| DME and HME suppliers | 22 | 6.3 | NPPES [2] |
| Independent pharmacy | 19 | 5.5 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 18 | 5.2 | NPPES [2] |
| Telehealth and virtual clinics | 14 | 4.0 | NPPES [2] |
| Dental specialties | 13 | 3.7 | NPPES [2] |
| Non-medical home care | 12 | 3.5 | NPPES [2] |
| Audiology and hearing centers | 10 | 2.9 | NPPES [2] |
| Dermatology | 9 | 2.6 | NPPES [2] |
| Clinical and toxicology labs | 8 | 2.3 | NPPES [2] |
| SUD treatment and residential | 6 | 1.7 | NPPES [2] |
| NEMT and ambulance | 6 | 1.7 | NPPES [2] |
| Hospice and palliative | 6 | 1.7 | NPPES [2] |
| Med spa and aesthetics | 6 | 1.7 | NPPES [2] |
| ASCs and OBLs | 5 | 1.4 | NPPES [2] |
| Dialysis and infusion centers | 5 | 1.4 | NPPES [2] |
| Podiatry | 4 | 1.2 | NPPES [2] |
| Hormone, TRT, and men's health clinics | 3 | 0.9 | NPPES [2] |
| ABA and autism therapy | 2 | 0.6 | NPPES [2] |
| Occupational health and drug testing | 2 | 0.6 | NPPES [2] |
| Urgent care | 1 | 0.3 | NPPES [2] |
| Pain management and interventional | 1 | 0.3 | NPPES [2] |
| Mobile diagnostics | 1 | 0.3 | NPPES [2] |
| Clinical research sites | 1 | 0.3 | NPPES [2] |
| Medical equipment suppliers | 18 | CMS [4] | |
| Home health agencies | 7 | CMS [4] | |
| Ambulatory surgical centers | 4 | CMS [4] | |
| Hospice providers | 3 | CMS [4] | |
| Dialysis facilities | 2 | CMS [4] |
Several of the 144 physical, occupational, and speech therapy enumerations can belong to one practice, so the column counts clinicians rather than businesses or owners
The lending record behind Lima
1 healthcare approvals sit in the county file, so an appraiser here works from a short comparable set
| Measure | Published figure | What sits behind it |
|---|---|---|
| Healthcare files approved | 1 | Fiscal year published in the SBA file [5] |
| Dollars behind them | $100,000 | Sum of approvals to healthcare borrowers [5] |
| Typical approval size | $100,000 | Dollars divided by approvals [5] |
| Credit offices operating locally | 48 | Credit intermediation establishments, NAICS 522 [6] |
How this data lands in an underwriting decision
The ratio that matters up front is 197.8 per 10,000, which decides whether a ramp schedule reads as conservative. A short county record of 1 approvals usually means more documentation and a lower advance against the same collateral. Household income of $43,370 in Lima is the number a lender uses to sanity check the self-pay share of a revenue projection.
The programs this provider mix points at
- Practice acquisition
- Startup and de novo
- Working capital term loan
- Expansion, relocation, and build-out
- Equipment financing and leasing
Built from what is enumerated here rather than from a national list, so a field with no presence in Lima does not appear. Availability is still a Ohio question.
The first pages of a Lima file
What a funder opens first depends on the field. In Lima that means physical, occupational, and speech therapy, specialty physician groups, primary care and family medicine.
| Practice type | The pages that decide it | Typical capital event |
|---|---|---|
| Physical, occupational, and speech therapy (144) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Specialty physician groups (78) | Ancillary revenue contribution, Provider productivity, Payer contracts | Ancillary build-out |
| Primary care and family medicine (77) | Panel size, Value-based contract exposure, Provider productivity | 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.
Lima against nearby Ohio markets
Density is the number that moves an appraisal: 197.8 per 10,000 here
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Lima (current) | 34,690 | 686 | 197.8 | |
| Van Wert | 11,123 | 125 | 112.4 | 26 |
| Celina | 10,945 | 135 | 123.3 | 27 |
| Sidney | 20,392 | 204 | 100.0 | 31 |
| Bellefontaine | 14,100 | 168 | 119.1 | 32 |
| Findlay | 40,343 | 586 | 145.3 | 33 |
| Defiance | 17,180 | 211 | 122.8 | 40 |
Distance, income, and the wage floor around Lima
Lima, OH lies 0 miles from Lima, close enough that appraisers price the lease against Lima, OH rents while 34,690 residents set the revenue ceiling. Households here carry $43,370 in median income, and that ceiling decides how much of a treatment plan gets started rather than deferred. The hospital fixes two inputs a lender would otherwise estimate in a 34,690 resident town: where referrals originate, and what staff cost. A degree-granting institution here moves volume on the academic calendar. Lima is the Allen County seat, so county employment steadies the payer mix.
Nearby Ohio towns
Lima owners, answered
01How many providers practice in Lima, and in what?
Across 32 fields, Lima carries 686 enumerated clinicians, 197.8 per 10,000 of the 34,690 people living here. The concentration is in physical, occupational, and speech therapy, 144 of the total, then specialty physician groups at 78. Count practices from that only with care.
02Why does Allen County show so little SBA activity?
Only 1 healthcare approvals appear for Allen County in the published 7(a) and 504 file. Thin volume in Allen County is a transaction count, not a verdict on borrowers here. The county still holds 48 credit intermediation establishments.
03Which fields carry the volume in Lima?
Volume concentrates in physical, occupational, and speech therapy, 144 of them, ahead of specialty physician groups at 78, across 32 fields. A thin second field usually means a longer search for staff than a pro forma allows for.
04How many Medicare-certified providers are based in Lima?
16 Medicare-certified providers hold an address in the town across the Care Compare categories. Certified volume this close matters on a working-capital file, because it shows the payer-mix and the reimbursement lag a funder will price into a 34,690 resident market.
05What does Allen County's shortage designation change?
The primary care, dental, mental health designation HRSA carries on Allen County is a recruiting instrument: it puts repayment incentives in front of candidates, which is how a hiring plan for 34,690 residents gets past the question of who would take the job.
06How does the hospital in Lima affect a practice file?
Referral flow, coverage, and the local pay scale all trace back to it. The town carries 16 Medicare-certified providers in total. A Lima projection that names the call arrangement reads better than one that assumes it.
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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