Ohio micro-market
Healthcare practice financing in Shaker Heights, Ohio
Direct answer
233 healthcare providers hold a Shaker Heights practice address, 81.2 per 10,000 of its 28,689 residents, 22 percent of them in physical, occupational, and speech therapy. Cuyahoga County recorded 43 SBA healthcare approvals worth $7,768,200, and Cleveland, OH sits 7 miles out.
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- Population: 28,689 residents (25K-50K band)1
- Healthcare providers registered here: 233 across 22 fields2
- Median household income: $97,7213
- Largest provider field: Physical, occupational, and speech therapy: 51 registered providers2
- Medicare-certified providers in town: 2 across 2 categories4
- Nearest metro: Cleveland, OH, 7 miles1
Shaker Heights clinicians, by field
81.2 providers per 10,000 residents is what 233 enumerations across 22 fields works out to in a town of 28,689
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Physical, occupational, and speech therapy | 51 | 17.8 | NPPES [2] |
| Home health | 44 | 15.3 | NPPES [2] |
| Behavioral and mental health group practices | 37 | 12.9 | NPPES [2] |
| General dentistry | 13 | 4.5 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 12 | 4.2 | NPPES [2] |
| ABA and autism therapy | 11 | 3.8 | NPPES [2] |
| Non-medical home care | 10 | 3.5 | NPPES [2] |
| DME and HME suppliers | 9 | 3.1 | NPPES [2] |
| Chiropractic | 7 | 2.4 | NPPES [2] |
| Specialty physician groups | 7 | 2.4 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 7 | 2.4 | NPPES [2] |
| Podiatry | 5 | 1.7 | NPPES [2] |
| Dermatology | 4 | 1.4 | NPPES [2] |
| Primary care and family medicine | 3 | 1.0 | NPPES [2] |
| Dental specialties | 3 | 1.0 | NPPES [2] |
| SUD treatment and residential | 2 | 0.7 | NPPES [2] |
| Independent pharmacy | 2 | 0.7 | NPPES [2] |
| Optometry and ophthalmology | 2 | 0.7 | NPPES [2] |
| ASCs and OBLs | 1 | 0.3 | NPPES [2] |
| Hospice and palliative | 1 | 0.3 | NPPES [2] |
| Med spa and aesthetics | 1 | 0.3 | NPPES [2] |
| Dialysis and infusion centers | 1 | 0.3 | NPPES [2] |
| Medical equipment suppliers | 4 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] | |
| Home health agencies | 1 | CMS [4] |
Physical, occupational, and speech therapy carries 51 of the 233 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
What lenders have already approved in Cuyahoga County
The published file shows 43 healthcare approvals in Cuyahoga County, $7,768,200 in total, and that history is what an appraiser and a credit committee reach for
| What it measures | Value | How to read it |
|---|---|---|
| Healthcare files approved | 43 | Counted for the fiscal year the SBA publishes [5] |
| Dollars behind them | $7,768,200 | Everything approved to healthcare borrowers, added up [5] |
| Typical approval size | $180,656 | The dollar column over the approval column [5] |
| Credit offices operating locally | 715 | Places that write credit locally, NAICS 522 [6] |
What the two tables above change about a file
Underwriting starts with 81.2 providers per 10,000 residents, because that ratio caps how fast a chair or a room fills. Because Cuyahoga County already carries $7,768,200 across 43 healthcare approvals, a request near that average moves faster than one well above it. With $97,721 as the median household income, the payer mix in a projection has to match what Shaker Heights households actually spend.
Where a file from this town usually lands
- Practice acquisition
- Working capital term loan
- Startup and de novo
- Medical receivables factoring
- Healthcare AR line and payroll funding
Weighted by how often each of the 22 local fields reaches for a program, not by what is easiest to refer. Ohio rules and the partner decide availability.
The first pages of a Shaker Heights file
What a funder opens first depends on the field. In Shaker Heights that means physical, occupational, and speech therapy, home health, behavioral and mental health group practices.
| Practice type | The pages that decide it | Typical capital event |
|---|---|---|
| Physical, occupational, and speech therapy (51) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Home health (44) | Medicare certification first, Payer mix second, Days in accounts receivable third | Payroll between visit and remittance |
| Behavioral and mental health group practices (37) | Clinician retention and productivity, Payer mix and Medicaid concentration, Re-authorization and session limit exposure | Working capital through the credentialing lag |
Column one counts Shaker Heights clinicians from the federal file. Columns two and three describe how the field is usually underwritten, and a partner can read a Shaker Heights file differently.
How Shaker Heights prices against its neighbors
Density is the number that moves an appraisal: 81.2 per 10,000 here
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Shaker Heights (current) | 28,689 | 233 | 81.2 | |
| University Heights | 13,265 | 83 | 62.6 | 1 |
| Beachwood | 13,820 | 964 | 697.5 | 2 |
| Cleveland Heights | 44,064 | 256 | 58.1 | 2 |
| Warrensville Heights | 13,450 | 190 | 141.3 | 3 |
| East Cleveland | 13,402 | 83 | 61.9 | 4 |
| Lyndhurst | 13,700 | 222 | 162.0 | 4 |
Distance, income, and the wage floor around Shaker Heights
Cleveland, OH lies 7 miles from Shaker Heights, close enough that appraisers price the lease against Cleveland, OH rents while 28,689 residents set the revenue ceiling. Median household income runs $97,721, which is the number a funder converts into case acceptance on anything elective or cash-pay. Referral flow comes from outside Shaker Heights, which a projection needs to state plainly.
Nearby Ohio towns
- University Heights 13,265 residents
- Beachwood 13,820 residents
- Cleveland Heights 44,064 residents
- Warrensville Heights 13,450 residents
- East Cleveland 13,402 residents
- Lyndhurst 13,700 residents
Questions from Shaker Heights
01How many providers practice in Shaker Heights, and in what?
Across 22 fields, Shaker Heights carries 233 enumerated clinicians, 81.2 per 10,000 of the 28,689 people living here. The concentration is in physical, occupational, and speech therapy, 51 of the total, then home health at 44. Count practices from that only with care.
02What does SBA lending look like around Shaker Heights?
Healthcare borrowers in Cuyahoga County took 43 approvals worth $7,768,200 in the published fiscal year, averaging $180,656. That is the comparable set an appraiser near Shaker Heights reaches for first.
03Is Shaker Heights underwritten as part of Cleveland, OH?
Partly. Cleveland, OH is 7 miles out, so rent and equipment comparables travel in from there while patients still come from the 28,689 residents around Shaker Heights. Cost side metro, revenue side local.
04What does a $97,721 median income mean for case acceptance?
Median household income in Shaker Heights runs $97,721. 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.
05What does Cuyahoga County's shortage designation change?
Cuyahoga County holds a HRSA designation covering primary care, dental, mental health. A pro forma for Shaker Heights can cite it as the reason a vacancy is fillable, which is usually the weakest line in a ramp schedule.
06Is there local lending capacity in Cuyahoga County?
County Business Patterns records 715 credit intermediation establishments in Cuyahoga County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Shaker Heights 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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