Ohio micro-market
Healthcare practice financing in Youngstown, Ohio
Direct answer
A Youngstown file is read against 1,309 local clinicians, 221.4 for every 10,000 of its 59,123 residents, 17 percent of them in physical, occupational, and speech therapy, plus the 6 SBA healthcare approvals worth $1,300,600 already recorded in Mahoning County, 0 miles from Youngstown-Warren, 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: 59,123 residents (50K-100K band)1
- Healthcare providers registered here: 1,309 across 34 fields2
- Median household income: $34,7463
- Largest provider field: Physical, occupational, and speech therapy: 228 registered providers2
- Medicare-certified providers in town: 16 across 4 categories4
- Nearest metro: Youngstown-Warren, OH, 0 miles1
The clinical base a lender can verify here
The NPPES file puts 1,309 enumerated clinicians inside Youngstown, spread over 34 fields at 221.4 per 10,000 residents
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| Physical, occupational, and speech therapy | 228 | 38.6 | NPPES [2] |
| Home health | 204 | 34.5 | NPPES [2] |
| Specialty physician groups | 185 | 31.3 | NPPES [2] |
| Primary care and family medicine | 106 | 17.9 | NPPES [2] |
| Behavioral and mental health group practices | 92 | 15.6 | NPPES [2] |
| ABA and autism therapy | 59 | 10.0 | NPPES [2] |
| General dentistry | 58 | 9.8 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 46 | 7.8 | NPPES [2] |
| DME and HME suppliers | 41 | 6.9 | NPPES [2] |
| Non-medical home care | 37 | 6.3 | NPPES [2] |
| Optometry and ophthalmology | 32 | 5.4 | NPPES [2] |
| Med spa and aesthetics | 28 | 4.7 | NPPES [2] |
| Chiropractic | 24 | 4.1 | NPPES [2] |
| SUD treatment and residential | 24 | 4.1 | NPPES [2] |
| Independent pharmacy | 23 | 3.9 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 22 | 3.7 | NPPES [2] |
| Podiatry | 18 | 3.0 | NPPES [2] |
| Clinical and toxicology labs | 14 | 2.4 | NPPES [2] |
| Audiology and hearing centers | 10 | 1.7 | NPPES [2] |
| Dermatology | 8 | 1.4 | NPPES [2] |
| Hospice and palliative | 6 | 1.0 | NPPES [2] |
| ASCs and OBLs | 5 | 0.8 | NPPES [2] |
| Imaging centers | 5 | 0.8 | NPPES [2] |
| Dental specialties | 5 | 0.8 | NPPES [2] |
| Dialysis and infusion centers | 5 | 0.8 | NPPES [2] |
| Plastic and cosmetic surgery | 4 | 0.7 | NPPES [2] |
| Telehealth and virtual clinics | 4 | 0.7 | NPPES [2] |
| Occupational health and drug testing | 4 | 0.7 | NPPES [2] |
| Urgent care | 3 | 0.5 | NPPES [2] |
| NEMT and ambulance | 3 | 0.5 | NPPES [2] |
| Sleep centers | 2 | 0.3 | NPPES [2] |
| Clinical research sites | 2 | 0.3 | NPPES [2] |
| Fertility and IVF | 1 | 0.2 | NPPES [2] |
| Mobile diagnostics | 1 | 0.2 | NPPES [2] |
| Medical equipment suppliers | 17 | CMS [4] | |
| Home health agencies | 8 | CMS [4] | |
| Dialysis facilities | 4 | CMS [4] | |
| Ambulatory surgical centers | 2 | CMS [4] | |
| Hospice providers | 2 | CMS [4] |
Physical, occupational, and speech therapy carries 228 of the 1,309 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 Mahoning County
The county file holds 6 healthcare approvals, which is a thin comparable set for anyone pricing collateral
| Line | Amount | Reading and source |
|---|---|---|
| Healthcare files approved | 6 | One published fiscal year, healthcare borrowers only [5] |
| Dollars behind them | $1,300,600 | Approved, not disbursed, and not net of withdrawals [5] |
| Typical approval size | $216,767 | A mean, so one large approval moves it [5] |
| Credit offices operating locally | 107 | Credit intermediation offices sited in the county [6] |
What the two tables above change about a file
A file from here opens on 221.4 providers per 10,000 residents, and everything about volume follows from it. With 6 approvals on record in Mahoning County, expect a longer appraisal and a wider collateral discount. A $34,746 median household income here sets the ceiling on what an elective or cash-pay line can be expected to carry.
Where a file from this town usually lands
- Practice acquisition
- Working capital term loan
- Expansion, relocation, and build-out
- Medical receivables factoring
- Startup and de novo
The 34 fields practicing locally set this order. A funding partner, not this list, decides what is available in Ohio.
The first pages of a Youngstown file
Drawn from the fields that actually practice here: physical, occupational, and speech therapy, home health, specialty physician groups
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| Physical, occupational, and speech therapy (228) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Home health (204) | Medicare certification first, Payer mix second, Days in accounts receivable third | Payroll between visit and remittance |
| Specialty physician groups (185) | Ancillary revenue contribution, Provider productivity, Payer contracts | Ancillary build-out |
NPPES supplies the Youngstown counts. The reading columns describe the field in general, and no partner reviewing a Youngstown file is bound by them.
Youngstown against nearby Ohio markets
221.4 per 10,000 is the figure a neighboring town gets compared against when an appraiser prices Youngstown
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Youngstown (current) | 59,123 | 1,309 | 221.4 | |
| Niles | 18,238 | 181 | 99.2 | 8 |
| Warren | 38,683 | 782 | 202.2 | 13 |
| Salem | 11,685 | 185 | 158.3 | 17 |
| Alliance | 21,523 | 226 | 105.0 | 28 |
| Ravenna | 11,236 | 277 | 246.5 | 31 |
| Kent | 27,720 | 288 | 103.9 | 37 |
Distance, income, and the wage floor around Youngstown
Youngstown-Warren, OH lies 0 miles from Youngstown, close enough that appraisers price the lease against Youngstown-Warren, OH rents while 59,123 residents set the revenue ceiling. Median household income runs $34,746, which is the number a funder converts into case acceptance on anything elective or cash-pay. The Medicare-certified hospital in Youngstown sets the local wage floor before you hire against it. Higher education here explains why summer looks unlike the rest of the year. Youngstown is the Mahoning County seat, so county employment steadies the payer mix.
More of Ohio
What owners in Youngstown ask
01How many providers practice in Youngstown, and in what?
Across 34 fields, Youngstown carries 1,309 enumerated clinicians, 221.4 per 10,000 of the 59,123 people living here. The concentration is in physical, occupational, and speech therapy, 228 of the total, then home health at 204. Count practices from that only with care.
02What does Mahoning County's shortage designation change?
HRSA designates Mahoning County for primary care, dental, mental health. That opens loan repayment programs for clinicians recruited into Youngstown and evidences a staffing ramp in a 59,123 resident market.
03Why does Mahoning County show so little SBA activity?
The published file records 6 7(a) and 504 approvals to healthcare borrowers in Mahoning County. That tracks how few Mahoning County practices changed hands that year, not credit quality. 107 credit intermediation establishments operate in Mahoning County, so the lending capacity is local even where the healthcare history is not.
04Which fields carry the volume in Youngstown?
The 34 enumerated fields are led by physical, occupational, and speech therapy at 228, with home health at 204 behind it. Those two counts double as the competition you are entering and the bench you would hire from.
05Is Youngstown underwritten as part of Youngstown-Warren, OH?
Partly. Youngstown-Warren, OH is 0 miles out, so rent and equipment comparables travel in from there while patients still come from the 59,123 residents around Youngstown. Cost side metro, revenue side local.
06How many Medicare-certified providers are based in Youngstown?
The town carries 16 Medicare-certified providers. On a receivables request that number sets the expected collection lag, which is priced before anything about the practice itself is read.
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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