Ohio micro-market
Healthcare practice financing in Middletown, Ohio
Direct answer
A Middletown file is read against 489 local clinicians, 93.5 for every 10,000 of its 52,291 residents, 19 percent of them in physical, occupational, and speech therapy, plus the 7 SBA healthcare approvals worth $1,351,900 already recorded in Butler County, 21 miles from 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: 52,291 residents (50K-100K band)1
- Healthcare providers registered here: 489 across 30 fields2
- Median household income: $54,9853
- Largest provider field: Physical, occupational, and speech therapy: 93 registered providers2
- Medicare-certified providers in town: 6 across 4 categories4
- Nearest metro: Dayton-Kettering-Beavercreek, OH, 21 miles1
Who is enumerated in Middletown
489 providers across 30 fields, 93.5 per 10,000 residents, counted at Middletown addresses in the NPPES monthly file
| Practice type | Count | Rate per 10,000 residents | Published by |
|---|---|---|---|
| Physical, occupational, and speech therapy | 93 | 17.8 | NPPES [2] |
| Behavioral and mental health group practices | 76 | 14.5 | NPPES [2] |
| Specialty physician groups | 39 | 7.5 | NPPES [2] |
| Primary care and family medicine | 36 | 6.9 | NPPES [2] |
| General dentistry | 32 | 6.1 | NPPES [2] |
| Home health | 27 | 5.2 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 27 | 5.2 | NPPES [2] |
| Optometry and ophthalmology | 25 | 4.8 | NPPES [2] |
| Chiropractic | 18 | 3.4 | NPPES [2] |
| Non-medical home care | 18 | 3.4 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 13 | 2.5 | NPPES [2] |
| Dental specialties | 11 | 2.1 | NPPES [2] |
| Independent pharmacy | 11 | 2.1 | NPPES [2] |
| DME and HME suppliers | 10 | 1.9 | NPPES [2] |
| Audiology and hearing centers | 10 | 1.9 | NPPES [2] |
| SUD treatment and residential | 9 | 1.7 | NPPES [2] |
| Podiatry | 7 | 1.3 | NPPES [2] |
| ABA and autism therapy | 7 | 1.3 | NPPES [2] |
| Clinical and toxicology labs | 4 | 0.8 | NPPES [2] |
| ASCs and OBLs | 3 | 0.6 | NPPES [2] |
| NEMT and ambulance | 2 | 0.4 | NPPES [2] |
| Med spa and aesthetics | 2 | 0.4 | NPPES [2] |
| Telehealth and virtual clinics | 2 | 0.4 | NPPES [2] |
| Dermatology | 1 | 0.2 | NPPES [2] |
| Urgent care | 1 | 0.2 | NPPES [2] |
| Imaging centers | 1 | 0.2 | NPPES [2] |
| Pain management and interventional | 1 | 0.2 | NPPES [2] |
| Hospice and palliative | 1 | 0.2 | NPPES [2] |
| Dialysis and infusion centers | 1 | 0.2 | NPPES [2] |
| Occupational health and drug testing | 1 | 0.2 | NPPES [2] |
| Medical equipment suppliers | 9 | CMS [4] | |
| Dialysis facilities | 2 | CMS [4] | |
| Home health agencies | 2 | CMS [4] | |
| Ambulatory surgical centers | 1 | CMS [4] | |
| Hospice providers | 1 | CMS [4] |
Physical, occupational, and speech therapy carries 93 of the 489 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
The lending record behind Middletown
7 healthcare approvals sit in the county file, so an appraiser here works from a short comparable set
| What it measures | Value | How to read it |
|---|---|---|
| Healthcare files approved | 7 | Fiscal year published in the SBA file [5] |
| Dollars behind them | $1,351,900 | Sum of approvals to healthcare borrowers [5] |
| Typical approval size | $193,129 | Dollars divided by approvals [5] |
| Credit offices operating locally | 178 | Credit intermediation establishments, NAICS 522 [6] |
How this data lands in an underwriting decision
The ratio that matters up front is 93.5 per 10,000, which decides whether a ramp schedule reads as conservative. With 7 approvals on record in Butler County, expect a longer appraisal and a wider collateral discount. Household income of $54,985 in Middletown is the number a lender uses to sanity check the self-pay share of a revenue projection.
Where a file from this town usually lands
- Practice acquisition
- Working capital term loan
- Startup and de novo
- Expansion, relocation, and build-out
- Equipment financing and leasing
Weighted by how often each of the 30 local fields reaches for a program, not by what is easiest to refer. Ohio rules and the partner decide availability.
Underwriting by field in Middletown
Drawn from the fields that actually practice here: physical, occupational, and speech therapy, behavioral and mental health group practices, specialty physician groups
| Field | What the file turns on | The capital event behind most requests |
|---|---|---|
| Physical, occupational, and speech therapy (93) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Behavioral and mental health group practices (76) | Clinician retention and productivity, Payer mix and Medicaid concentration, Re-authorization and session limit exposure | Working capital through the credentialing lag |
| Specialty physician groups (39) | Ancillary revenue contribution, Provider productivity, Payer contracts | Ancillary build-out |
The first column is Middletown's own NPPES count. The rest is how the field is generally underwritten, whether the address is Middletown or anywhere else.
How Middletown prices against its neighbors
Comparables travel. These are the Ohio towns whose density, at 93.5 per 10,000 here, gets weighed beside this one.
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Middletown (current) | 52,291 | 489 | 93.5 | |
| Monroe | 15,950 | 52 | 32.6 | 4 |
| Franklin | 11,758 | 95 | 80.8 | 5 |
| Trenton | 14,131 | 38 | 26.9 | 6 |
| Springboro | 19,646 | 186 | 94.7 | 8 |
| Lebanon | 21,995 | 312 | 141.9 | 10 |
| Mason | 36,046 | 624 | 173.1 | 10 |
Distance, income, and the wage floor around Middletown
Dayton-Kettering-Beavercreek, OH lies 21 miles from Middletown, close enough that appraisers price the lease against Dayton-Kettering-Beavercreek, OH rents while 52,291 residents set the revenue ceiling. Median household income runs $54,985, which is the number a funder converts into case acceptance on anything elective or cash-pay. With no hospital in town, a projection has to name where referrals and coverage come from. A college in Middletown puts a term-shaped curve into monthly collections.
Other Ohio markets
Middletown owners, answered
01How many providers practice in Middletown, and in what?
Across 30 fields, Middletown carries 489 enumerated clinicians, 93.5 per 10,000 of the 52,291 people living here. The concentration is in physical, occupational, and speech therapy, 93 of the total, then behavioral and mental health group practices at 76. Count practices from that only with care.
02Which fields carry the volume in Middletown?
The 30 enumerated fields are led by physical, occupational, and speech therapy at 93, with behavioral and mental health group practices at 76 behind it. Those two counts double as the competition you are entering and the bench you would hire from.
03What does Butler County's shortage designation change?
Designated for primary care, dental, mental health, Butler County qualifies its clinicians for federal repayment support. On a file that turns on adding staff, that is the difference between a hiring assumption and a hiring plan.
04Why does Butler County show so little SBA activity?
Only 7 healthcare approvals appear for Butler County in the published 7(a) and 504 file. Thin volume in Butler County is a transaction count, not a verdict on borrowers here. The county still holds 178 credit intermediation establishments.
05Is Middletown underwritten as part of Dayton-Kettering-Beavercreek, OH?
Partly. Dayton-Kettering-Beavercreek, OH is 21 miles out, so rent and equipment comparables travel in from there while patients still come from the 52,291 residents around Middletown. Cost side metro, revenue side local.
06Is there local lending capacity in Butler County?
County Business Patterns records 178 credit intermediation establishments in Butler County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Middletown rents and resale before or by somebody working from a screen.
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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