Ohio micro-market
Healthcare practice financing in Vandalia, Ohio
Direct answer
116 healthcare providers hold a Vandalia practice address, 77.3 per 10,000 of its 15,013 residents, 30 percent of them in physical, occupational, and speech therapy. Montgomery County recorded 14 SBA healthcare approvals worth $6,556,500, and Dayton-Kettering-Beavercreek, OH sits 7 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: 15,013 residents (10K-25K band)1
- Healthcare providers registered here: 116 across 20 fields2
- Median household income: $76,2903
- Largest provider field: Physical, occupational, and speech therapy: 35 registered providers2
- Medicare-certified providers in town: 2 across 1 categories4
- Nearest metro: Dayton-Kettering-Beavercreek, OH, 7 miles1
The clinical base a lender can verify here
116 providers across 20 fields, 77.3 per 10,000 residents, counted at Vandalia addresses in the NPPES monthly file
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Physical, occupational, and speech therapy | 35 | 23.3 | NPPES [2] |
| Primary care and family medicine | 18 | 12.0 | NPPES [2] |
| Home health | 8 | 5.3 | NPPES [2] |
| General dentistry | 7 | 4.7 | NPPES [2] |
| Behavioral and mental health group practices | 7 | 4.7 | NPPES [2] |
| DME and HME suppliers | 5 | 3.3 | NPPES [2] |
| NEMT and ambulance | 5 | 3.3 | NPPES [2] |
| Non-medical home care | 5 | 3.3 | NPPES [2] |
| Optometry and ophthalmology | 5 | 3.3 | NPPES [2] |
| Specialty physician groups | 4 | 2.7 | NPPES [2] |
| Independent pharmacy | 3 | 2.0 | NPPES [2] |
| ABA and autism therapy | 3 | 2.0 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 3 | 2.0 | NPPES [2] |
| Chiropractic | 2 | 1.3 | NPPES [2] |
| Podiatry | 1 | 0.7 | NPPES [2] |
| Urgent care | 1 | 0.7 | NPPES [2] |
| Imaging centers | 1 | 0.7 | NPPES [2] |
| Dental specialties | 1 | 0.7 | NPPES [2] |
| Med spa and aesthetics | 1 | 0.7 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 1 | 0.7 | NPPES [2] |
| Medical equipment suppliers | 4 | CMS [4] | |
| Home health agencies | 2 | CMS [4] |
Several of the 35 physical, occupational, and speech therapy enumerations can belong to one practice, so the column counts clinicians rather than businesses or owners
Montgomery County approvals, dollars, and lending establishments
14 healthcare approvals averaging $468,321 set the deal shape lenders in Montgomery County have already underwritten
| What it measures | Value | How to read it |
|---|---|---|
| Approvals on record | 14 | Counted for the fiscal year the SBA publishes [5] |
| Total approved capital | $6,556,500 | Everything approved to healthcare borrowers, added up [5] |
| Mean deal size | $468,321 | The dollar column over the approval column [5] |
| Lenders sited in the county | 221 | Places that write credit locally, NAICS 522 [6] |
The consequence of these numbers
A file from here opens on 77.3 providers per 10,000 residents, and everything about volume follows from it. 14 approvals worth $6,556,500 in Montgomery County means the size you are asking for has a local precedent to point at. With $76,290 as the median household income, the payer mix in a projection has to match what Vandalia households actually spend.
The programs this provider mix points at
- Practice acquisition
- Working capital term loan
- Startup and de novo
- Expansion, relocation, and build-out
- Medical receivables factoring
Ranked from the 20 fields that actually practice in Vandalia, weighted toward physical, occupational, and speech therapy. Availability still depends on Ohio and on the funding partner.
Underwriting by field in Vandalia
What a funder opens first depends on the field. In Vandalia that means physical, occupational, and speech therapy, primary care and family medicine, home health.
| Field | What the file turns on | The capital event behind most requests |
|---|---|---|
| Physical, occupational, and speech therapy (35) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Primary care and family medicine (18) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| Home health (8) | Medicare certification first, Payer mix second, Days in accounts receivable third | Payroll between visit and remittance |
The first column is Vandalia's own NPPES count. The rest is how the field is generally underwritten, whether the address is Vandalia or anywhere else.
Density beside the neighboring Ohio towns
Set Vandalia's 77.3 per 10,000 against the towns an appraiser would reach for next
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Vandalia (current) | 15,013 | 116 | 77.3 | |
| Huber Heights | 43,590 | 222 | 50.9 | 4 |
| Englewood | 13,282 | 149 | 112.2 | 6 |
| Clayton | 13,296 | 13 | 9.8 | 7 |
| Riverside | 24,472 | 18 | 7.4 | 8 |
| Trotwood | 23,073 | 68 | 29.5 | 9 |
| Troy | 27,122 | 306 | 112.8 | 11 |
What the geography does to a Vandalia projection
7 miles separate Vandalia from Dayton-Kettering-Beavercreek, OH. Lease pricing follows Dayton-Kettering-Beavercreek, OH, while revenue stays capped by the 15,013 residents here. At $76,290 median household income, the elective and cash-pay share of a projection is the line that gets tested first. With no hospital in town, a projection has to name where referrals and coverage come from.
Nearby Ohio towns
What owners in Vandalia ask
01How many providers practice in Vandalia, and in what?
Across 20 fields, Vandalia carries 116 enumerated clinicians, 77.3 per 10,000 of the 15,013 people living here. The concentration is in physical, occupational, and speech therapy, 35 of the total, then primary care and family medicine at 18. Count practices from that only with care.
02What does Montgomery County's shortage designation change?
HRSA designates Montgomery County for primary care, dental, mental health. That opens loan repayment programs for clinicians recruited into Vandalia and evidences a staffing ramp in a 15,013 resident market.
03Which fields carry the volume in Vandalia?
Physical, occupational, and speech therapy at 35 providers and primary care and family medicine at 18 lead the 20 fields enumerated here. A funder reads that mix as the local competition set and the local hiring pool at once, before it reads a single line of your own numbers.
04Is Vandalia underwritten as part of Dayton-Kettering-Beavercreek, OH?
Dayton-Kettering-Beavercreek, OH sits 7 miles away, close enough that appraisers reach into that market for rent and resale comparables while your patient draw stays local. The comparables read Dayton-Kettering-Beavercreek, OH; the 15,013 residents set the ceiling a projection can defend.
05What does SBA lending look like around Vandalia?
Healthcare borrowers in Montgomery County took 14 approvals worth $6,556,500 in the published fiscal year, averaging $468,321. That is the comparable set an appraiser near Vandalia reaches for first.
06Is there local lending capacity in Montgomery County?
County Business Patterns records 221 credit intermediation establishments in Montgomery County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Vandalia 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
Our team reviews every request within 1 business day. If a funding partner thinks they can help, a specialist from that partner contacts you to discuss next steps.