Texas micro-market
Healthcare practice financing in Cibolo, Texas
Direct answer
A Cibolo file is read against 85 local clinicians, 22.5 for every 10,000 of its 37,816 residents, 19 percent of them in physical, occupational, and speech therapy, plus the 5 SBA healthcare approvals worth $6,662,200 already recorded in Guadalupe County, 20 miles from San Antonio-New Braunfels, TX.
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. Which programs can be referred from Texas, and which cannot, is set out on the Texas page.
- Population: 37,816 residents (25K-50K band)1
- Healthcare providers registered here: 85 across 17 fields2
- Median household income: $125,2303
- Largest provider field: Physical, occupational, and speech therapy: 16 registered providers2
- Nearest metro: San Antonio-New Braunfels, TX, 20 miles1
- SBA healthcare approvals in the county: 5 approvals totaling $6,662,2004
The provider census in Cibolo
Counted at the town's own addresses: 85 providers, 17 fields, 22.5 clinicians per 10,000 of the 37,816 residents here
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| Physical, occupational, and speech therapy | 16 | 4.2 | NPPES [2] |
| General dentistry | 13 | 3.4 | NPPES [2] |
| ABA and autism therapy | 11 | 2.9 | NPPES [2] |
| Chiropractic | 10 | 2.6 | NPPES [2] |
| Optometry and ophthalmology | 7 | 1.9 | NPPES [2] |
| Dental specialties | 5 | 1.3 | NPPES [2] |
| Home health | 4 | 1.1 | NPPES [2] |
| Behavioral and mental health group practices | 4 | 1.1 | NPPES [2] |
| DME and HME suppliers | 3 | 0.8 | NPPES [2] |
| Urgent care | 3 | 0.8 | NPPES [2] |
| Independent pharmacy | 2 | 0.5 | NPPES [2] |
| Clinical and toxicology labs | 2 | 0.5 | NPPES [2] |
| Primary care and family medicine | 1 | 0.3 | NPPES [2] |
| Non-medical home care | 1 | 0.3 | NPPES [2] |
| Hospice and palliative | 1 | 0.3 | NPPES [2] |
| Med spa and aesthetics | 1 | 0.3 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 1 | 0.3 | NPPES [2] |
| Medical equipment suppliers | 3 | CMS [5] |
Physical, occupational, and speech therapy carries 16 of the 85 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
Guadalupe County approvals, dollars, and lending establishments
With 5 healthcare approvals recorded, Guadalupe County gives a valuation almost nothing local to lean on
| What it measures | Value | How to read it |
|---|---|---|
| Approvals on record | 5 | Counted for the fiscal year the SBA publishes [4] |
| Total approved capital | $6,662,200 | Everything approved to healthcare borrowers, added up [4] |
| Mean deal size | $1,332,440 | The dollar column over the approval column [4] |
| Lenders sited in the county | 56 | Places that write credit locally, NAICS 522 [6] |
The consequence of these numbers
The ratio that matters up front is 22.5 per 10,000, which decides whether a ramp schedule reads as conservative. With 5 approvals on record in Guadalupe County, expect a longer appraisal and a wider collateral discount. A $125,230 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
- Startup and de novo
- Equipment financing and leasing
- Working capital term loan
- Expansion, relocation, and build-out
Ranked from the 17 fields that actually practice in Cibolo, weighted toward physical, occupational, and speech therapy. Availability still depends on Texas and on the funding partner.
What a funder reads first in Cibolo
physical, occupational, and speech therapy, general dentistry, aba and autism therapy account for most of what is enumerated in Cibolo, so those are the files funders see from this town
| Practice type | The pages that decide it | Typical capital event |
|---|---|---|
| Physical, occupational, and speech therapy (16) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| General dentistry (13) | Three years of collections history, Hygiene as a share of collections, Overhead ratio and owner add-backs | Acquisition of an established practice |
| ABA and autism therapy (11) | Authorized hours against delivered hours, Payer mix stability, Billing compliance history | Working capital against authorization and billing lag |
The first column is Cibolo's own NPPES count. The rest is how the field is generally underwritten, whether the address is Cibolo or anywhere else.
Density beside the neighboring Texas towns
Density is the number that moves an appraisal: 22.5 per 10,000 here
| Comparable | People | Enumerations | Per 10,000 residents | Miles |
|---|---|---|---|---|
| Cibolo (current) | 37,816 | 85 | 22.5 | |
| Schertz | 44,428 | 292 | 65.7 | 2 |
| Converse | 31,400 | 100 | 31.8 | 6 |
| Selma | 11,900 | 38 | 31.9 | 6 |
| Live Oak | 16,218 | 242 | 149.2 | 7 |
| Seguin | 38,789 | 226 | 58.3 | 15 |
| Leon Valley | 11,424 | 13 | 11.4 | 24 |
What the geography does to a Cibolo projection
20 miles separate Cibolo from San Antonio-New Braunfels, TX. Lease pricing follows San Antonio-New Braunfels, TX, while revenue stays capped by the 37,816 residents here. Median household income runs $125,230, which is the number a funder converts into case acceptance on anything elective or cash-pay. No hospital operates here, so the referral sources and the call arrangement have to be named rather than assumed.
Nearby Texas towns
Cibolo owners, answered
01How many providers practice in Cibolo, and in what?
Across 17 fields, Cibolo carries 85 enumerated clinicians, 22.5 per 10,000 of the 37,816 people living here. The concentration is in physical, occupational, and speech therapy, 16 of the total, then general dentistry at 13. Count practices from that only with care.
02What does a $125,230 median income mean for case acceptance?
Median household income in Cibolo runs $125,230. 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.
03Why does Guadalupe County show so little SBA activity?
Guadalupe County shows 5 approvals in the SBA healthcare file, which means an appraiser reaches outside the county for comparables. Few sales, not weak credit, is the usual reason. 56 lending establishments operate locally.
04What does Guadalupe County's shortage designation change?
Designated for primary care, mental health, Guadalupe County qualifies its clinicians for federal repayment support. On a file that turns on adding staff, that is the difference between a hiring assumption and a hiring plan.
05Which fields carry the volume in Cibolo?
Volume concentrates in physical, occupational, and speech therapy, 16 of them, ahead of general dentistry at 13, across 17 fields. A thin second field usually means a longer search for staff than a pro forma allows for.
06Is Cibolo underwritten as part of San Antonio-New Braunfels, TX?
Partly. San Antonio-New Braunfels, TX is 20 miles out, so rent and equipment comparables travel in from there while patients still come from the 37,816 residents around Cibolo. 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
- 4U.S. Small Business Administration, 7(a) and 504 approvals
- 5CMS Care Compare provider datasets
- 6U.S. Census Bureau, County Business Patterns 2022
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