Texas micro-market
Healthcare practice financing in Cleburne, Texas
Direct answer
38,131 residents, 252 enumerated clinicians, 66.1 per 10,000, 18 percent of them in physical, occupational, and speech therapy: that is the Cleburne market a funder prices. Johnson County adds 4 healthcare approvals worth $3,745,000 and 48 miles of distance to Dallas-Fort Worth-Arlington, 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: 38,131 residents (25K-50K band)1
- Healthcare providers registered here: 252 across 28 fields2
- Median household income: $66,3243
- Largest provider field: Physical, occupational, and speech therapy: 46 registered providers2
- Medicare-certified providers in town: 7 across 4 categories4
- Nearest metro: Dallas-Fort Worth-Arlington, TX, 48 miles1
What NPPES records at Cleburne addresses
The NPPES file puts 252 enumerated clinicians inside Cleburne, spread over 28 fields at 66.1 per 10,000 residents
| Practice type | Count | Rate per 10,000 residents | Published by |
|---|---|---|---|
| Physical, occupational, and speech therapy | 46 | 12.1 | NPPES [2] |
| Primary care and family medicine | 29 | 7.6 | NPPES [2] |
| General dentistry | 25 | 6.6 | NPPES [2] |
| Optometry and ophthalmology | 22 | 5.8 | NPPES [2] |
| Specialty physician groups | 16 | 4.2 | NPPES [2] |
| Chiropractic | 14 | 3.7 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 12 | 3.1 | NPPES [2] |
| DME and HME suppliers | 10 | 2.6 | NPPES [2] |
| Dental specialties | 10 | 2.6 | NPPES [2] |
| Independent pharmacy | 8 | 2.1 | NPPES [2] |
| Behavioral and mental health group practices | 8 | 2.1 | NPPES [2] |
| Home health | 7 | 1.8 | NPPES [2] |
| Audiology and hearing centers | 6 | 1.6 | NPPES [2] |
| Clinical and toxicology labs | 6 | 1.6 | NPPES [2] |
| ASCs and OBLs | 4 | 1.0 | NPPES [2] |
| Non-medical home care | 4 | 1.0 | NPPES [2] |
| Hospice and palliative | 4 | 1.0 | NPPES [2] |
| Telehealth and virtual clinics | 4 | 1.0 | NPPES [2] |
| Urgent care | 3 | 0.8 | NPPES [2] |
| Med spa and aesthetics | 3 | 0.8 | NPPES [2] |
| Dialysis and infusion centers | 3 | 0.8 | NPPES [2] |
| SUD treatment and residential | 2 | 0.5 | NPPES [2] |
| Podiatry | 1 | 0.3 | NPPES [2] |
| Dermatology | 1 | 0.3 | NPPES [2] |
| Imaging centers | 1 | 0.3 | NPPES [2] |
| Pain management and interventional | 1 | 0.3 | NPPES [2] |
| NEMT and ambulance | 1 | 0.3 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 1 | 0.3 | NPPES [2] |
| Medical equipment suppliers | 7 | CMS [4] | |
| Ambulatory surgical centers | 2 | CMS [4] | |
| Hospice providers | 2 | CMS [4] | |
| Dialysis facilities | 2 | CMS [4] | |
| Home health agencies | 1 | CMS [4] |
A single Cleburne practice can hold more than one of these numbers. 18 percent sit in physical, occupational, and speech therapy, counted as clinicians rather than as owners.
What Johnson County credit files already show
4 healthcare approvals sit in the county file, so an appraiser here works from a short comparable set
| Line | Amount | Reading and source |
|---|---|---|
| Approvals on record | 4 | One published fiscal year, healthcare borrowers only [5] |
| Total approved capital | $3,745,000 | Approved, not disbursed, and not net of withdrawals [5] |
| Mean deal size | $936,250 | A mean, so one large approval moves it [5] |
| Lenders sited in the county | 90 | Credit intermediation offices sited in the county [6] |
The consequence of these numbers
Density of 66.1 per 10,000 sets the patient draw a projection can claim without an argument. With 4 approvals on record in Johnson County, expect a longer appraisal and a wider collateral discount. Household income of $66,324 in Cleburne is the number a lender uses to sanity check the self-pay share of a revenue projection.
Programs the Cleburne mix reaches for
- Practice acquisition
- Startup and de novo
- Expansion, relocation, and build-out
- Equipment financing and leasing
- Working capital term loan
Weighted by how often each of the 28 local fields reaches for a program, not by what is easiest to refer. Texas rules and the partner decide availability.
What a funder reads first in Cleburne
What a funder opens first depends on the field. In Cleburne that means physical, occupational, and speech therapy, primary care and family medicine, general dentistry.
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| Physical, occupational, and speech therapy (46) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Primary care and family medicine (29) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| General dentistry (25) | Three years of collections history, Hygiene as a share of collections, Overhead ratio and owner add-backs | Acquisition of an established practice |
Counts in the first column are Cleburne providers from NPPES. The other two columns describe how funders read that field across markets like Cleburne, not what any funder will do with your file.
How Cleburne prices against its neighbors
Comparables travel. These are the Texas towns whose density, at 66.1 per 10,000 here, gets weighed beside this one.
| Comparable | People | Enumerations | Per 10,000 residents | Miles |
|---|---|---|---|---|
| Cleburne (current) | 38,131 | 252 | 66.1 | |
| Burleson | 56,253 | 482 | 85.7 | 12 |
| Crowley | 20,483 | 94 | 45.9 | 16 |
| Mansfield | 80,803 | 823 | 101.9 | 22 |
| Granbury | 12,934 | 317 | 245.1 | 22 |
| Benbrook | 24,542 | 175 | 71.3 | 23 |
| Kennedale | 10,771 | 22 | 20.4 | 23 |
What the geography does to a Cleburne projection
48 miles separate Cleburne from Dallas-Fort Worth-Arlington, TX. Rent comparables cross that gap; patients mostly do not. Median household income runs $66,324, which is the number a funder converts into case acceptance on anything elective or cash-pay. Because a certified hospital sits inside the town, both the referral path and the pay a clinical hire expects are already observable. Cleburne is the Johnson County seat, so county employment steadies the payer mix.
More of Texas
Questions from Cleburne
01How many providers practice in Cleburne, and in what?
NPPES lists 252 providers at a Cleburne practice address, 66.1 per 10,000 residents across 28 tracked fields. Physical, occupational, and speech therapy accounts for 46 of them, 18 percent of the total, with primary care and family medicine next at 29. Read that as clinicians: 252 enumerations, not 252 owners.
02Why does Johnson County show so little SBA activity?
The published file records 4 7(a) and 504 approvals to healthcare borrowers in Johnson County. That tracks how few Johnson County practices changed hands that year, not credit quality. 90 credit intermediation establishments operate in Johnson County, so the lending capacity is local even where the healthcare history is not.
03What does Johnson County's shortage designation change?
The primary care, mental health designation HRSA carries on Johnson County is a recruiting instrument: it puts repayment incentives in front of candidates, which is how a hiring plan for 38,131 residents gets past the question of who would take the job.
04Is Cleburne underwritten as part of Dallas-Fort Worth-Arlington, TX?
Partly. Dallas-Fort Worth-Arlington, TX is 48 miles out, so rent and equipment comparables travel in from there while patients still come from the 38,131 residents around Cleburne. Cost side metro, revenue side local.
05Is there local lending capacity in Johnson County?
County Business Patterns records 90 credit intermediation establishments in Johnson County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Cleburne rents and resale before or by somebody working from a screen.
06How does the hospital in Cleburne affect a practice file?
It makes the staffing and referral lines checkable. 7 Medicare-certified providers hold Cleburne addresses, and the hospital sets the wage a clinical hire is bid against in a 66.1 per 10,000 market.
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.