Texas micro-market
Healthcare practice financing in Robinson, Texas
Direct answer
A Robinson file is read against 49 local clinicians, 37.7 for every 10,000 of its 12,986 residents, 45 percent of them in aba and autism therapy, plus the 7 SBA healthcare approvals worth $4,997,000 already recorded in McLennan County, 8 miles from Waco, 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: 12,986 residents (10K-25K band)1
- Healthcare providers registered here: 49 across 13 fields2
- Median household income: $95,5793
- Largest provider field: ABA and autism therapy: 22 registered providers2
- Nearest metro: Waco, TX, 8 miles1
- SBA healthcare approvals in the county: 7 approvals totaling $4,997,0004
Who is enumerated in Robinson
37.7 providers per 10,000 residents is what 49 enumerations across 13 fields works out to in a town of 12,986
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| ABA and autism therapy | 22 | 16.9 | NPPES [2] |
| Physical, occupational, and speech therapy | 6 | 4.6 | NPPES [2] |
| General dentistry | 5 | 3.9 | NPPES [2] |
| Primary care and family medicine | 3 | 2.3 | NPPES [2] |
| Behavioral and mental health group practices | 3 | 2.3 | NPPES [2] |
| Independent pharmacy | 2 | 1.5 | NPPES [2] |
| Specialty physician groups | 2 | 1.5 | NPPES [2] |
| DME and HME suppliers | 1 | 0.8 | NPPES [2] |
| SUD treatment and residential | 1 | 0.8 | NPPES [2] |
| Hospice and palliative | 1 | 0.8 | NPPES [2] |
| Clinical research sites | 1 | 0.8 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 1 | 0.8 | NPPES [2] |
| Telehealth and virtual clinics | 1 | 0.8 | NPPES [2] |
| Medical equipment suppliers | 1 | CMS [5] |
Several of the 22 aba and autism therapy enumerations can belong to one practice, so the column counts clinicians rather than businesses or owners
What McLennan County credit files already show
7 healthcare approvals sit in the county file, so an appraiser here works from a short comparable set
| What it measures | Value | How to read it |
|---|---|---|
| Approvals on record | 7 | Fiscal year published in the SBA file [4] |
| Total approved capital | $4,997,000 | Sum of approvals to healthcare borrowers [4] |
| Mean deal size | $713,857 | Dollars divided by approvals [4] |
| Lenders sited in the county | 173 | Credit intermediation establishments, NAICS 522 [6] |
What the two tables above change about a file
A file from here opens on 37.7 providers per 10,000 residents, and everything about volume follows from it. McLennan County has 7 approvals to compare against, so plan for extra appraisal time and a conservative valuation. With $95,579 as the median household income, the payer mix in a projection has to match what Robinson households actually spend.
The programs this provider mix points at
- Practice acquisition
- Working capital term loan
- Expansion, relocation, and build-out
- Startup and de novo
- Equipment financing and leasing
Built from what is enumerated here rather than from a national list, so a field with no presence in Robinson does not appear. Availability is still a Texas question.
The first pages of a Robinson file
aba and autism therapy, physical, occupational, and speech therapy, general dentistry account for most of what is enumerated in Robinson, so those are the files funders see from this town
| Field | What the file turns on | The capital event behind most requests |
|---|---|---|
| ABA and autism therapy (22) | Authorized hours against delivered hours, Payer mix stability, Billing compliance history | Working capital against authorization and billing lag |
| Physical, occupational, and speech therapy (6) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| General dentistry (5) | Three years of collections history, Hygiene as a share of collections, Overhead ratio and owner add-backs | Acquisition of an established practice |
The first column is Robinson's own NPPES count. The rest is how the field is generally underwritten, whether the address is Robinson or anywhere else.
How Robinson prices against its neighbors
Set Robinson's 37.7 per 10,000 against the towns an appraiser would reach for next
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Robinson (current) | 12,986 | 49 | 37.7 | |
| Hewitt | 16,749 | 67 | 40.0 | 4 |
| Bellmead | 10,607 | 27 | 25.5 | 11 |
| Temple | 96,267 | 1,209 | 125.6 | 29 |
| Belton | 25,635 | 198 | 77.2 | 35 |
| Gatesville | 16,388 | 66 | 40.3 | 37 |
| Harker Heights | 35,263 | 267 | 75.7 | 41 |
What the geography does to a Robinson projection
8 miles separate Robinson from Waco, TX. Lease pricing follows Waco, TX, while revenue stays capped by the 12,986 residents here. At $95,579 median household income, the elective and cash-pay share of a projection is the line that gets tested first. Referral flow comes from outside Robinson, which a projection needs to state plainly.
Other Texas markets
- Hewitt 16,749 residents
- Bellmead 10,607 residents
- Temple 96,267 residents
- Belton 25,635 residents
- Gatesville 16,388 residents
- Harker Heights 35,263 residents
What owners in Robinson ask
01How many providers practice in Robinson, and in what?
Across 13 fields, Robinson carries 49 enumerated clinicians, 37.7 per 10,000 of the 12,986 people living here. The concentration is in aba and autism therapy, 22 of the total, then physical, occupational, and speech therapy at 6. Count practices from that only with care.
02What does McLennan County's shortage designation change?
McLennan County holds a HRSA designation covering primary care, dental, mental health. A pro forma for Robinson can cite it as the reason a vacancy is fillable, which is usually the weakest line in a ramp schedule.
03Why does McLennan County show so little SBA activity?
Only 7 healthcare approvals appear for McLennan County in the published 7(a) and 504 file. Thin volume in McLennan County is a transaction count, not a verdict on borrowers here. The county still holds 173 credit intermediation establishments.
04Is Robinson underwritten as part of Waco, TX?
Comparables and demand split at 8 miles. An appraiser prices the lease and the equipment off Waco, TX; the revenue line has to hold up against 12,986 local residents.
05What does a $95,579 median income mean for case acceptance?
Median household income in Robinson runs $95,579. 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.
06Which fields carry the volume in Robinson?
The 13 enumerated fields are led by aba and autism therapy at 22, with physical, occupational, and speech therapy at 6 behind it. Those two counts double as the competition you are entering and the bench you would hire from.
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
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.