Texas micro-market
Healthcare practice financing in Rowlett, Texas
Direct answer
Dallas County carries 65 SBA healthcare approvals worth $42,591,800, and inside Rowlett the census shows 386 enumerated clinicians against 68,123 residents, 56.7 per 10,000, 23 percent of them in physical, occupational, and speech therapy. Dallas-Fort Worth-Arlington, TX lies 15 miles away.
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- Population: 68,123 residents (50K-100K band)1
- Healthcare providers registered here: 386 across 27 fields2
- Median household income: $113,6003
- Largest provider field: Physical, occupational, and speech therapy: 89 registered providers2
- Medicare-certified providers in town: 7 across 2 categories4
- Nearest metro: Dallas-Fort Worth-Arlington, TX, 15 miles1
Fields practicing inside Rowlett
56.7 providers per 10,000 residents is what 386 enumerations across 27 fields works out to in a town of 68,123
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Physical, occupational, and speech therapy | 89 | 13.1 | NPPES [2] |
| Home health | 65 | 9.5 | NPPES [2] |
| General dentistry | 35 | 5.1 | NPPES [2] |
| Chiropractic | 32 | 4.7 | NPPES [2] |
| Primary care and family medicine | 29 | 4.3 | NPPES [2] |
| DME and HME suppliers | 20 | 2.9 | NPPES [2] |
| ABA and autism therapy | 18 | 2.6 | NPPES [2] |
| Specialty physician groups | 14 | 2.1 | NPPES [2] |
| Non-medical home care | 12 | 1.8 | NPPES [2] |
| Independent pharmacy | 10 | 1.5 | NPPES [2] |
| Behavioral and mental health group practices | 9 | 1.3 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 9 | 1.3 | NPPES [2] |
| Dental specialties | 8 | 1.2 | NPPES [2] |
| Optometry and ophthalmology | 7 | 1.0 | NPPES [2] |
| Med spa and aesthetics | 4 | 0.6 | NPPES [2] |
| Dialysis and infusion centers | 4 | 0.6 | NPPES [2] |
| Audiology and hearing centers | 3 | 0.4 | NPPES [2] |
| Clinical and toxicology labs | 3 | 0.4 | NPPES [2] |
| Podiatry | 2 | 0.3 | NPPES [2] |
| Dermatology | 2 | 0.3 | NPPES [2] |
| Urgent care | 2 | 0.3 | NPPES [2] |
| Imaging centers | 2 | 0.3 | NPPES [2] |
| NEMT and ambulance | 2 | 0.3 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 2 | 0.3 | NPPES [2] |
| ASCs and OBLs | 1 | 0.1 | NPPES [2] |
| Mobile diagnostics | 1 | 0.1 | NPPES [2] |
| Telehealth and virtual clinics | 1 | 0.1 | NPPES [2] |
| Medical equipment suppliers | 11 | CMS [4] | |
| Home health agencies | 5 | CMS [4] | |
| Dialysis facilities | 2 | CMS [4] |
A single Rowlett practice can hold more than one of these numbers. 23 percent sit in physical, occupational, and speech therapy, counted as clinicians rather than as owners.
Dallas County approvals, dollars, and lending establishments
The published file shows 65 healthcare approvals in Dallas County, $42,591,800 in total, and that history is what an appraiser and a credit committee reach for
| Line | Amount | Reading and source |
|---|---|---|
| SBA healthcare approvals | 65 | Fiscal year published in the SBA file [5] |
| Approved dollars | $42,591,800 | Sum of approvals to healthcare borrowers [5] |
| Average approval | $655,258 | Dollars divided by approvals [5] |
| Lending establishments in the county | 1,755 | Credit intermediation establishments, NAICS 522 [6] |
What the two tables above change about a file
A file from here opens on 56.7 providers per 10,000 residents, and everything about volume follows from it. 65 approvals worth $42,591,800 in Dallas County means the size you are asking for has a local precedent to point at. A $113,600 median household income here sets the ceiling on what an elective or cash-pay line can be expected to carry.
Programs the Rowlett mix reaches for
- Practice acquisition
- Startup and de novo
- Working capital term loan
- Medical receivables factoring
- Equipment financing and leasing
The 27 fields practicing locally set this order. A funding partner, not this list, decides what is available in Texas.
Underwriting by field in Rowlett
What a funder opens first depends on the field. In Rowlett that means physical, occupational, and speech therapy, home health, general dentistry.
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| Physical, occupational, and speech therapy (89) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Home health (65) | Medicare certification first, Payer mix second, Days in accounts receivable third | Payroll between visit and remittance |
| General dentistry (35) | Three years of collections history, Hygiene as a share of collections, Overhead ratio and owner add-backs | Acquisition of an established practice |
Column one counts Rowlett clinicians from the federal file. Columns two and three describe how the field is usually underwritten, and a partner can read a Rowlett file differently.
Rowlett against nearby Texas markets
Set Rowlett's 56.7 per 10,000 against the towns an appraiser would reach for next
| Comparable | People | Enumerations | Per 10,000 residents | Miles |
|---|---|---|---|---|
| Rowlett (current) | 68,123 | 386 | 56.7 | |
| Sachse | 33,008 | 118 | 35.7 | 4 |
| Rockwall | 53,547 | 755 | 141.0 | 6 |
| Heath | 11,499 | 58 | 50.4 | 7 |
| Murphy | 21,109 | 175 | 82.9 | 8 |
| Wylie | 62,954 | 377 | 59.9 | 8 |
| Fate | 27,467 | 38 | 13.8 | 10 |
How Rowlett sits against the nearest metro
Distance to Dallas-Fort Worth-Arlington, TX is 15 miles. Appraisers borrow Dallas-Fort Worth-Arlington, TX rents, and the 68,123 residents set the ceiling on collections. Households here carry $113,600 in median income, and that ceiling decides how much of a treatment plan gets started rather than deferred. The Medicare-certified hospital in Rowlett sets the local wage floor before you hire against it.
Other Texas markets
Rowlett owners, answered
01How many providers practice in Rowlett, and in what?
Across 27 fields, Rowlett carries 386 enumerated clinicians, 56.7 per 10,000 of the 68,123 people living here. The concentration is in physical, occupational, and speech therapy, 89 of the total, then home health at 65. Count practices from that only with care.
02What does Dallas County's shortage designation change?
HRSA designates Dallas County for primary care, dental, mental health. That opens loan repayment programs for clinicians recruited into Rowlett and evidences a staffing ramp in a 68,123 resident market.
03How does the hospital in Rowlett affect a practice file?
Referral flow, coverage, and the local pay scale all trace back to it. The town carries 7 Medicare-certified providers in total. A Rowlett projection that names the call arrangement reads better than one that assumes it.
04What does SBA lending look like around Rowlett?
Healthcare borrowers in Dallas County took 65 approvals worth $42,591,800 in the published fiscal year, averaging $655,258. That is the comparable set an appraiser near Rowlett reaches for first.
05Is Rowlett underwritten as part of Dallas-Fort Worth-Arlington, TX?
Partly. Dallas-Fort Worth-Arlington, TX is 15 miles out, so rent and equipment comparables travel in from there while patients still come from the 68,123 residents around Rowlett. Cost side metro, revenue side local.
06What does a $113,600 median income mean for case acceptance?
Median household income in Rowlett runs $113,600. 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.
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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