Texas micro-market
Healthcare practice financing in Kyle, Texas
Direct answer
65,833 residents, 356 enumerated clinicians, 54.1 per 10,000, 24 percent of them in physical, occupational, and speech therapy: that is the Kyle market a funder prices. Hays County adds 5 healthcare approvals worth $989,200 and 22 miles of distance to Austin-Round Rock-San Marcos, 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: 65,833 residents (50K-100K band)1
- Healthcare providers registered here: 356 across 29 fields2
- Median household income: $89,6453
- Largest provider field: Physical, occupational, and speech therapy: 87 registered providers2
- Medicare-certified providers in town: 8 across 4 categories4
- Nearest metro: Austin-Round Rock-San Marcos, TX, 22 miles1
Fields practicing inside Kyle
356 providers across 29 fields, 54.1 per 10,000 residents, counted at Kyle addresses in the NPPES monthly file
| Practice type | Count | Rate per 10,000 residents | Published by |
|---|---|---|---|
| Physical, occupational, and speech therapy | 87 | 13.2 | NPPES [2] |
| Primary care and family medicine | 37 | 5.6 | NPPES [2] |
| ABA and autism therapy | 35 | 5.3 | NPPES [2] |
| General dentistry | 29 | 4.4 | NPPES [2] |
| Chiropractic | 27 | 4.1 | NPPES [2] |
| Specialty physician groups | 27 | 4.1 | NPPES [2] |
| Optometry and ophthalmology | 21 | 3.2 | NPPES [2] |
| Dental specialties | 15 | 2.3 | NPPES [2] |
| Behavioral and mental health group practices | 14 | 2.1 | NPPES [2] |
| Home health | 11 | 1.7 | NPPES [2] |
| Independent pharmacy | 9 | 1.4 | NPPES [2] |
| DME and HME suppliers | 6 | 0.9 | NPPES [2] |
| Non-medical home care | 4 | 0.6 | NPPES [2] |
| Med spa and aesthetics | 4 | 0.6 | NPPES [2] |
| Dialysis and infusion centers | 4 | 0.6 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 4 | 0.6 | NPPES [2] |
| Podiatry | 3 | 0.5 | NPPES [2] |
| ASCs and OBLs | 3 | 0.5 | NPPES [2] |
| Clinical and toxicology labs | 3 | 0.5 | NPPES [2] |
| Audiology and hearing centers | 2 | 0.3 | NPPES [2] |
| Hospice and palliative | 2 | 0.3 | NPPES [2] |
| Occupational health and drug testing | 2 | 0.3 | NPPES [2] |
| Dermatology | 1 | 0.2 | NPPES [2] |
| Urgent care | 1 | 0.2 | NPPES [2] |
| SUD treatment and residential | 1 | 0.2 | NPPES [2] |
| Imaging centers | 1 | 0.2 | NPPES [2] |
| Pain management and interventional | 1 | 0.2 | NPPES [2] |
| Hormone, TRT, and men's health clinics | 1 | 0.2 | NPPES [2] |
| Plastic and cosmetic surgery | 1 | 0.2 | NPPES [2] |
| Medical equipment suppliers | 8 | CMS [4] | |
| Dialysis facilities | 3 | CMS [4] | |
| Ambulatory surgical centers | 2 | CMS [4] | |
| Home health agencies | 2 | CMS [4] | |
| Hospice providers | 1 | CMS [4] |
Several of the 87 physical, occupational, and speech therapy enumerations can belong to one practice, so the column counts clinicians rather than businesses or owners
Hays County approvals, dollars, and lending establishments
With 5 healthcare approvals recorded, Hays County gives a valuation almost nothing local to lean on
| Measure | Published figure | What sits behind it |
|---|---|---|
| Healthcare files approved | 5 | One published fiscal year, healthcare borrowers only [5] |
| Dollars behind them | $989,200 | Approved, not disbursed, and not net of withdrawals [5] |
| Typical approval size | $197,840 | A mean, so one large approval moves it [5] |
| Credit offices operating locally | 107 | Credit intermediation offices sited in the county [6] |
Reading Kyle the way a credit committee does
Underwriting starts with 54.1 providers per 10,000 residents, because that ratio caps how fast a chair or a room fills. Hays County has 5 approvals to compare against, so plan for extra appraisal time and a conservative valuation. A $89,645 median household income here sets the ceiling on what an elective or cash-pay line can be expected to carry.
The programs this provider mix points at
- Practice acquisition
- Startup and de novo
- Working capital term loan
- Expansion, relocation, and build-out
- Equipment financing and leasing
The 29 fields practicing locally set this order. A funding partner, not this list, decides what is available in Texas.
What a funder reads first in Kyle
Drawn from the fields that actually practice here: physical, occupational, and speech therapy, primary care and family medicine, aba and autism therapy
| Field | What the file turns on | The capital event behind most requests |
|---|---|---|
| Physical, occupational, and speech therapy (87) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Primary care and family medicine (37) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| ABA and autism therapy (35) | Authorized hours against delivered hours, Payer mix stability, Billing compliance history | Working capital against authorization and billing lag |
The first column is Kyle's own NPPES count. The rest is how the field is generally underwritten, whether the address is Kyle or anywhere else.
Density beside the neighboring Texas towns
Set Kyle's 54.1 per 10,000 against the towns an appraiser would reach for next
| Comparable | People | Enumerations | Per 10,000 residents | Miles |
|---|---|---|---|---|
| Kyle (current) | 65,833 | 356 | 54.1 | |
| Buda | 16,090 | 146 | 90.7 | 6 |
| Lockhart | 17,166 | 76 | 44.3 | 14 |
| Dripping Springs | 10,165 | 182 | 179.0 | 19 |
| Lakeway | 19,056 | 312 | 163.7 | 26 |
| Seguin | 38,789 | 226 | 58.3 | 28 |
| Manor | 21,500 | 96 | 44.7 | 32 |
Distance, income, and the wage floor around Kyle
Austin-Round Rock-San Marcos, TX lies 22 miles from Kyle, close enough that appraisers price the lease against Austin-Round Rock-San Marcos, TX rents while 65,833 residents set the revenue ceiling. At $89,645 median household income, the elective and cash-pay share of a projection is the line that gets tested first. Hospital coverage inside Kyle means a call schedule can be evidenced rather than described.
Other Texas markets
Questions from Kyle
01How many providers practice in Kyle, and in what?
NPPES lists 356 providers at a Kyle practice address, 54.1 per 10,000 residents across 29 tracked fields. Physical, occupational, and speech therapy accounts for 87 of them, 24 percent of the total, with primary care and family medicine next at 37. Read that as clinicians: 356 enumerations, not 356 owners.
02What does Hays County's shortage designation change?
The primary care, dental, mental health designation HRSA carries on Hays County is a recruiting instrument: it puts repayment incentives in front of candidates, which is how a hiring plan for 65,833 residents gets past the question of who would take the job.
03Why does Hays County show so little SBA activity?
The published file records 5 7(a) and 504 approvals to healthcare borrowers in Hays County. That tracks how few Hays County practices changed hands that year, not credit quality. 107 credit intermediation establishments operate in Hays County, so the lending capacity is local even where the healthcare history is not.
04How does the hospital in Kyle affect a practice file?
It makes the staffing and referral lines checkable. 8 Medicare-certified providers hold Kyle addresses, and the hospital sets the wage a clinical hire is bid against in a 54.1 per 10,000 market.
05Which fields carry the volume in Kyle?
Physical, occupational, and speech therapy at 87 providers and primary care and family medicine at 37 lead the 29 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.
06Is Kyle underwritten as part of Austin-Round Rock-San Marcos, TX?
Austin-Round Rock-San Marcos, TX sits 22 miles away, close enough that appraisers reach into that market for rent and resale comparables while your patient draw stays local. The comparables read Austin-Round Rock-San Marcos, TX; the 65,833 residents set the ceiling a projection can defend.
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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