Ohio micro-market
Healthcare practice financing in Springboro, Ohio
Direct answer
Warren County carries 8 SBA healthcare approvals worth $8,413,300, and inside Springboro the census shows 186 enumerated clinicians against 19,646 residents, 94.7 per 10,000, 25 percent of them in primary care and family medicine. Dayton-Kettering-Beavercreek, OH lies 16 miles away.
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- Population: 19,646 residents (10K-25K band)1
- Healthcare providers registered here: 186 across 23 fields2
- Median household income: $112,8723
- Largest provider field: Primary care and family medicine: 47 registered providers2
- Medicare-certified providers in town: 1 across 1 categories4
- Nearest metro: Dayton-Kettering-Beavercreek, OH, 16 miles1
Who is enumerated in Springboro
94.7 providers per 10,000 residents is what 186 enumerations across 23 fields works out to in a town of 19,646
| Practice type | Count | Rate per 10,000 residents | Published by |
|---|---|---|---|
| Primary care and family medicine | 47 | 23.9 | NPPES [2] |
| Physical, occupational, and speech therapy | 27 | 13.7 | NPPES [2] |
| Chiropractic | 14 | 7.1 | NPPES [2] |
| Optometry and ophthalmology | 14 | 7.1 | NPPES [2] |
| General dentistry | 10 | 5.1 | NPPES [2] |
| Specialty physician groups | 10 | 5.1 | NPPES [2] |
| Dental specialties | 8 | 4.1 | NPPES [2] |
| DME and HME suppliers | 6 | 3.1 | NPPES [2] |
| Home health | 6 | 3.1 | NPPES [2] |
| Audiology and hearing centers | 6 | 3.1 | NPPES [2] |
| Non-medical home care | 6 | 3.1 | NPPES [2] |
| Podiatry | 5 | 2.5 | NPPES [2] |
| Independent pharmacy | 5 | 2.5 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 5 | 2.5 | NPPES [2] |
| ABA and autism therapy | 4 | 2.0 | NPPES [2] |
| Dialysis and infusion centers | 3 | 1.5 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 2 | 1.0 | NPPES [2] |
| Behavioral and mental health group practices | 2 | 1.0 | NPPES [2] |
| Telehealth and virtual clinics | 2 | 1.0 | NPPES [2] |
| ASCs and OBLs | 1 | 0.5 | NPPES [2] |
| Imaging centers | 1 | 0.5 | NPPES [2] |
| Pain management and interventional | 1 | 0.5 | NPPES [2] |
| Occupational health and drug testing | 1 | 0.5 | NPPES [2] |
| Medical equipment suppliers | 4 | CMS [4] | |
| Ambulatory surgical centers | 1 | CMS [4] |
Several of the 47 primary care and family medicine enumerations can belong to one practice, so the column counts clinicians rather than businesses or owners
Loan activity in Warren County
With 8 healthcare approvals recorded, Warren County gives a valuation almost nothing local to lean on
| What it measures | Value | How to read it |
|---|---|---|
| SBA healthcare approvals | 8 | One published fiscal year, healthcare borrowers only [5] |
| Approved dollars | $8,413,300 | Approved, not disbursed, and not net of withdrawals [5] |
| Average approval | $1,051,663 | A mean, so one large approval moves it [5] |
| Lending establishments in the county | 122 | Credit intermediation offices sited in the county [6] |
Reading Springboro the way a credit committee does
Underwriting starts with 94.7 providers per 10,000 residents, because that ratio caps how fast a chair or a room fills. Warren County has 8 approvals to compare against, so plan for extra appraisal time and a conservative valuation. With $112,872 as the median household income, the payer mix in a projection has to match what Springboro households actually spend.
The programs this provider mix points at
- Practice acquisition
- Expansion, relocation, and build-out
- Startup and de novo
- Working capital term loan
- Equipment financing and leasing
The 23 fields practicing locally set this order. A funding partner, not this list, decides what is available in Ohio.
The first pages of a Springboro file
Drawn from the fields that actually practice here: primary care and family medicine, physical, occupational, and speech therapy, chiropractic
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| Primary care and family medicine (47) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| Physical, occupational, and speech therapy (27) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Chiropractic (14) | Cash plan revenue, Personal injury receivable age, Visit volume | Startup or acquisition |
Column one counts Springboro clinicians from the federal file. Columns two and three describe how the field is usually underwritten, and a partner can read a Springboro file differently.
Density beside the neighboring Ohio towns
Comparables travel. These are the Ohio towns whose density, at 94.7 per 10,000 here, gets weighed beside this one.
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Springboro (current) | 19,646 | 186 | 94.7 | |
| Franklin | 11,758 | 95 | 80.8 | 3 |
| Miamisburg | 20,253 | 297 | 146.6 | 5 |
| Centerville | 26,311 | 398 | 151.3 | 7 |
| Middletown | 52,291 | 489 | 93.5 | 8 |
| West Carrollton | 12,911 | 43 | 33.3 | 8 |
| Lebanon | 21,995 | 312 | 141.9 | 9 |
How Springboro sits against the nearest metro
Distance to Dayton-Kettering-Beavercreek, OH is 16 miles. Appraisers borrow Dayton-Kettering-Beavercreek, OH rents, and the 19,646 residents set the ceiling on collections. At $112,872 median household income, the elective and cash-pay share of a projection is the line that gets tested first. Referral flow comes from outside Springboro, which a projection needs to state plainly.
More of Ohio
- Franklin 11,758 residents
- Miamisburg 20,253 residents
- Centerville 26,311 residents
- Middletown 52,291 residents
- West Carrollton 12,911 residents
- Lebanon 21,995 residents
Questions from Springboro
01How many providers practice in Springboro, and in what?
Across 23 fields, Springboro carries 186 enumerated clinicians, 94.7 per 10,000 of the 19,646 people living here. The concentration is in primary care and family medicine, 47 of the total, then physical, occupational, and speech therapy at 27. Count practices from that only with care.
02Why does Warren County show so little SBA activity?
The published file records 8 7(a) and 504 approvals to healthcare borrowers in Warren County. That tracks how few Warren County practices changed hands that year, not credit quality. 122 credit intermediation establishments operate in Warren County, so the lending capacity is local even where the healthcare history is not.
03What does a $112,872 median income mean for case acceptance?
Median household income in Springboro runs $112,872. 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.
04What does Warren County's shortage designation change?
The primary care, dental, mental health designation HRSA carries on Warren County is a recruiting instrument: it puts repayment incentives in front of candidates, which is how a hiring plan for 19,646 residents gets past the question of who would take the job.
05Which fields carry the volume in Springboro?
The 23 enumerated fields are led by primary care and family medicine at 47, with physical, occupational, and speech therapy at 27 behind it. Those two counts double as the competition you are entering and the bench you would hire from.
06Is Springboro underwritten as part of Dayton-Kettering-Beavercreek, OH?
Partly. Dayton-Kettering-Beavercreek, OH is 16 miles out, so rent and equipment comparables travel in from there while patients still come from the 19,646 residents around Springboro. Cost side metro, revenue side local.
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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