Ohio micro-market
Healthcare practice financing in Troy, Ohio
Direct answer
27,122 residents, 306 enumerated clinicians, 112.8 per 10,000, 25 percent of them in physical, occupational, and speech therapy: that is the Troy market a funder prices. Miami County adds 1 healthcare approvals worth $96,000 and 18 miles of distance to 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: 27,122 residents (25K-50K band)1
- Healthcare providers registered here: 306 across 26 fields2
- Median household income: $70,4503
- Largest provider field: Physical, occupational, and speech therapy: 76 registered providers2
- Medicare-certified providers in town: 2 across 2 categories4
- Nearest metro: Dayton-Kettering-Beavercreek, OH, 18 miles1
What NPPES records at Troy addresses
Counted at the town's own addresses: 306 providers, 26 fields, 112.8 clinicians per 10,000 of the 27,122 residents here
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Physical, occupational, and speech therapy | 76 | 28.0 | NPPES [2] |
| Primary care and family medicine | 33 | 12.2 | NPPES [2] |
| Specialty physician groups | 28 | 10.3 | NPPES [2] |
| Chiropractic | 23 | 8.5 | NPPES [2] |
| Optometry and ophthalmology | 21 | 7.7 | NPPES [2] |
| General dentistry | 20 | 7.4 | NPPES [2] |
| Non-medical home care | 19 | 7.0 | NPPES [2] |
| Home health | 14 | 5.2 | NPPES [2] |
| Podiatry | 11 | 4.1 | NPPES [2] |
| DME and HME suppliers | 8 | 2.9 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 7 | 2.6 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 7 | 2.6 | NPPES [2] |
| Audiology and hearing centers | 6 | 2.2 | NPPES [2] |
| Independent pharmacy | 5 | 1.8 | NPPES [2] |
| Med spa and aesthetics | 5 | 1.8 | NPPES [2] |
| Behavioral and mental health group practices | 5 | 1.8 | NPPES [2] |
| Dental specialties | 4 | 1.5 | NPPES [2] |
| Clinical and toxicology labs | 4 | 1.5 | NPPES [2] |
| NEMT and ambulance | 2 | 0.7 | NPPES [2] |
| ABA and autism therapy | 2 | 0.7 | NPPES [2] |
| Dermatology | 1 | 0.4 | NPPES [2] |
| ASCs and OBLs | 1 | 0.4 | NPPES [2] |
| Pain management and interventional | 1 | 0.4 | NPPES [2] |
| Hospice and palliative | 1 | 0.4 | NPPES [2] |
| Dialysis and infusion centers | 1 | 0.4 | NPPES [2] |
| Telehealth and virtual clinics | 1 | 0.4 | NPPES [2] |
| Medical equipment suppliers | 7 | CMS [4] | |
| Hospice providers | 1 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] |
Several of the 76 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 Miami County
The county file holds 1 healthcare approvals, which is a thin comparable set for anyone pricing collateral
| Measure | Published figure | What sits behind it |
|---|---|---|
| Healthcare files approved | 1 | Fiscal year published in the SBA file [5] |
| Dollars behind them | $96,000 | Sum of approvals to healthcare borrowers [5] |
| Typical approval size | $96,000 | 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 112.8 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. A $70,450 median household income here sets the ceiling on what an elective or cash-pay line can be expected to carry.
Programs the Troy mix reaches for
- Practice acquisition
- Startup and de novo
- Expansion, relocation, and build-out
- Working capital term loan
- Equipment financing and leasing
The 26 fields practicing locally set this order. A funding partner, not this list, decides what is available in Ohio.
Underwriting by field in Troy
What a funder opens first depends on the field. In Troy that means physical, occupational, and speech therapy, primary care and family medicine, specialty physician groups.
| Field | What the file turns on | The capital event behind most requests |
|---|---|---|
| Physical, occupational, and speech therapy (76) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Primary care and family medicine (33) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| Specialty physician groups (28) | Ancillary revenue contribution, Provider productivity, Payer contracts | Ancillary build-out |
NPPES supplies the Troy counts. The reading columns describe the field in general, and no partner reviewing a Troy file is bound by them.
Troy against nearby Ohio markets
Set Troy's 112.8 per 10,000 against the towns an appraiser would reach for next
| Comparable | People | Enumerations | Per 10,000 residents | Miles |
|---|---|---|---|---|
| Troy (current) | 27,122 | 306 | 112.8 | |
| Piqua | 20,940 | 112 | 53.5 | 7 |
| Vandalia | 15,013 | 116 | 77.3 | 11 |
| Englewood | 13,282 | 149 | 112.2 | 13 |
| Clayton | 13,296 | 13 | 9.8 | 13 |
| Huber Heights | 43,590 | 222 | 50.9 | 14 |
| Sidney | 20,392 | 204 | 100.0 | 17 |
Distance, income, and the wage floor around Troy
Dayton-Kettering-Beavercreek, OH lies 18 miles from Troy, close enough that appraisers price the lease against Dayton-Kettering-Beavercreek, OH rents while 27,122 residents set the revenue ceiling. Households here carry $70,450 in median income, and that ceiling decides how much of a treatment plan gets started rather than deferred. The Medicare-certified hospital in Troy sets the local wage floor before you hire against it. A college in Troy puts a term-shaped curve into monthly collections. Troy is the Miami County seat, so county employment steadies the payer mix.
Nearby Ohio towns
Troy owners, answered
01How many providers practice in Troy, and in what?
NPPES lists 306 providers at a Troy practice address, 112.8 per 10,000 residents across 26 tracked fields. Physical, occupational, and speech therapy accounts for 76 of them, 25 percent of the total, with primary care and family medicine next at 33. Read that as clinicians: 306 enumerations, not 306 owners.
02Why does Miami County show so little SBA activity?
Only 1 healthcare approvals appear for Miami County in the published 7(a) and 504 file. Thin volume in Miami County is a transaction count, not a verdict on borrowers here. The county still holds 48 credit intermediation establishments.
03How does the hospital in Troy affect a practice file?
Referral flow, coverage, and the local pay scale all trace back to it. The town carries 2 Medicare-certified providers in total. A Troy projection that names the call arrangement reads better than one that assumes it.
04What does Miami County's shortage designation change?
The primary care, mental health designation HRSA carries on Miami County is a recruiting instrument: it puts repayment incentives in front of candidates, which is how a hiring plan for 27,122 residents gets past the question of who would take the job.
05Is Troy underwritten as part of Dayton-Kettering-Beavercreek, OH?
Comparables and demand split at 18 miles. An appraiser prices the lease and the equipment off Dayton-Kettering-Beavercreek, OH; the revenue line has to hold up against 27,122 local residents.
06Is there local lending capacity in Miami County?
County Business Patterns records 48 credit intermediation establishments in Miami County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Troy 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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