Texas micro-market
Healthcare practice financing in Live Oak, Texas
Direct answer
16,218 residents, 242 enumerated clinicians, 149.2 per 10,000, 41 percent of them in physical, occupational, and speech therapy: that is the Live Oak market a funder prices. Bexar County adds 38 healthcare approvals worth $12,939,700 and 13 miles of distance to 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: 16,218 residents (10K-25K band)1
- Healthcare providers registered here: 242 across 26 fields2
- Median household income: $78,0923
- Largest provider field: Physical, occupational, and speech therapy: 99 registered providers2
- Medicare-certified providers in town: 5 across 2 categories4
- Nearest metro: San Antonio-New Braunfels, TX, 13 miles1
Fields practicing inside Live Oak
Counted at the town's own addresses: 242 providers, 26 fields, 149.2 clinicians per 10,000 of the 16,218 residents here
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Physical, occupational, and speech therapy | 99 | 61.0 | NPPES [2] |
| Specialty physician groups | 27 | 16.6 | NPPES [2] |
| ABA and autism therapy | 24 | 14.8 | NPPES [2] |
| Primary care and family medicine | 17 | 10.5 | NPPES [2] |
| Optometry and ophthalmology | 11 | 6.8 | NPPES [2] |
| DME and HME suppliers | 8 | 4.9 | NPPES [2] |
| Chiropractic | 7 | 4.3 | NPPES [2] |
| Behavioral and mental health group practices | 7 | 4.3 | NPPES [2] |
| General dentistry | 6 | 3.7 | NPPES [2] |
| Dermatology | 4 | 2.5 | NPPES [2] |
| Dental specialties | 4 | 2.5 | NPPES [2] |
| Dialysis and infusion centers | 4 | 2.5 | NPPES [2] |
| ASCs and OBLs | 3 | 1.8 | NPPES [2] |
| Pain management and interventional | 3 | 1.8 | NPPES [2] |
| Telehealth and virtual clinics | 3 | 1.8 | NPPES [2] |
| Podiatry | 2 | 1.2 | NPPES [2] |
| Home health | 2 | 1.2 | NPPES [2] |
| Independent pharmacy | 2 | 1.2 | NPPES [2] |
| Clinical and toxicology labs | 2 | 1.2 | NPPES [2] |
| Urgent care | 1 | 0.6 | NPPES [2] |
| Audiology and hearing centers | 1 | 0.6 | NPPES [2] |
| Non-medical home care | 1 | 0.6 | NPPES [2] |
| Med spa and aesthetics | 1 | 0.6 | NPPES [2] |
| Hormone, TRT, and men's health clinics | 1 | 0.6 | NPPES [2] |
| Occupational health and drug testing | 1 | 0.6 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 1 | 0.6 | NPPES [2] |
| Medical equipment suppliers | 3 | CMS [4] | |
| Dialysis facilities | 3 | CMS [4] | |
| Ambulatory surgical centers | 2 | CMS [4] |
Physical, occupational, and speech therapy carries 99 of the 242 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
What Bexar County credit files already show
Lenders in Bexar County have already closed 38 healthcare approvals, averaging $340,518, which is the size a new file gets read beside
| What it measures | Value | How to read it |
|---|---|---|
| Approvals on record | 38 | Fiscal year published in the SBA file [5] |
| Total approved capital | $12,939,700 | Sum of approvals to healthcare borrowers [5] |
| Mean deal size | $340,518 | Dollars divided by approvals [5] |
| Lenders sited in the county | 1,019 | Credit intermediation establishments, NAICS 522 [6] |
Reading Live Oak the way a credit committee does
A file from here opens on 149.2 providers per 10,000 residents, and everything about volume follows from it. 38 approvals worth $12,939,700 in Bexar County means the size you are asking for has a local precedent to point at. With $78,092 as the median household income, the payer mix in a projection has to match what Live Oak 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
- Equipment financing and leasing
Ranked from the 26 fields that actually practice in Live Oak, weighted toward physical, occupational, and speech therapy. Availability still depends on Texas and on the funding partner.
What a funder reads first in Live Oak
What a funder opens first depends on the field. In Live Oak that means physical, occupational, and speech therapy, specialty physician groups, aba and autism therapy.
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| Physical, occupational, and speech therapy (99) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Specialty physician groups (27) | Ancillary revenue contribution, Provider productivity, Payer contracts | Ancillary build-out |
| ABA and autism therapy (24) | Authorized hours against delivered hours, Payer mix stability, Billing compliance history | Working capital against authorization and billing lag |
Column one counts Live Oak clinicians from the federal file. Columns two and three describe how the field is usually underwritten, and a partner can read a Live Oak file differently.
Density beside the neighboring Texas towns
Comparables travel. These are the Texas towns whose density, at 149.2 per 10,000 here, gets weighed beside this one.
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Live Oak (current) | 16,218 | 242 | 149.2 | |
| Selma | 11,900 | 38 | 31.9 | 3 |
| Converse | 31,400 | 100 | 31.8 | 4 |
| Schertz | 44,428 | 292 | 65.7 | 5 |
| Cibolo | 37,816 | 85 | 22.5 | 7 |
| Leon Valley | 11,424 | 13 | 11.4 | 17 |
| Helotes | 10,223 | 173 | 169.2 | 20 |
What the geography does to a Live Oak projection
13 miles separate Live Oak from San Antonio-New Braunfels, TX. Lease pricing follows San Antonio-New Braunfels, TX, while revenue stays capped by the 16,218 residents here. At $78,092 median household income, the elective and cash-pay share of a projection is the line that gets tested first. Referral flow comes from outside Live Oak, which a projection needs to state plainly.
Other Texas markets
What owners in Live Oak ask
01How many providers practice in Live Oak, and in what?
Across 26 fields, Live Oak carries 242 enumerated clinicians, 149.2 per 10,000 of the 16,218 people living here. The concentration is in physical, occupational, and speech therapy, 99 of the total, then specialty physician groups at 27. Count practices from that only with care.
02What does Bexar County's shortage designation change?
The primary care, dental, mental health designation HRSA carries on Bexar County is a recruiting instrument: it puts repayment incentives in front of candidates, which is how a hiring plan for 16,218 residents gets past the question of who would take the job.
03What does SBA lending look like around Live Oak?
Healthcare borrowers in Bexar County took 38 approvals worth $12,939,700 in the published fiscal year, averaging $340,518. That is the comparable set an appraiser near Live Oak reaches for first.
04Is Live Oak underwritten as part of San Antonio-New Braunfels, TX?
San Antonio-New Braunfels, TX sits 13 miles away, close enough that appraisers reach into that market for rent and resale comparables while your patient draw stays local. The comparables read San Antonio-New Braunfels, TX; the 16,218 residents set the ceiling a projection can defend.
05Is there local lending capacity in Bexar County?
County Business Patterns records 1,019 credit intermediation establishments in Bexar County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Live Oak rents and resale before or by somebody working from a screen.
06What does the underserved designation in Bexar County support?
Bexar County carries a medically underserved designation. It evidences unmet demand behind a capacity build, and it opens recruitment programs that make a staffing line in a projection easier to defend than local wage data alone would.
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.