Texas micro-market
Healthcare practice financing in Schertz, Texas
Direct answer
A Schertz file is read against 292 local clinicians, 65.7 for every 10,000 of its 44,428 residents, 34 percent of them in physical, occupational, and speech therapy, plus the 5 SBA healthcare approvals worth $6,662,200 already recorded in Guadalupe County, 18 miles from 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: 44,428 residents (25K-50K band)1
- Healthcare providers registered here: 292 across 24 fields2
- Median household income: $96,6333
- Largest provider field: Physical, occupational, and speech therapy: 100 registered providers2
- Medicare-certified providers in town: 4 across 3 categories4
- Nearest metro: San Antonio-New Braunfels, TX, 18 miles1
Fields practicing inside Schertz
292 providers across 24 fields, 65.7 per 10,000 residents, counted at Schertz addresses in the NPPES monthly file
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Physical, occupational, and speech therapy | 100 | 22.5 | NPPES [2] |
| ABA and autism therapy | 40 | 9.0 | NPPES [2] |
| General dentistry | 24 | 5.4 | NPPES [2] |
| Chiropractic | 18 | 4.1 | NPPES [2] |
| Primary care and family medicine | 18 | 4.1 | NPPES [2] |
| Optometry and ophthalmology | 15 | 3.4 | NPPES [2] |
| Behavioral and mental health group practices | 13 | 2.9 | NPPES [2] |
| Home health | 9 | 2.0 | NPPES [2] |
| Dental specialties | 9 | 2.0 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 8 | 1.8 | NPPES [2] |
| Audiology and hearing centers | 6 | 1.4 | NPPES [2] |
| Independent pharmacy | 5 | 1.1 | NPPES [2] |
| Non-medical home care | 4 | 0.9 | NPPES [2] |
| Med spa and aesthetics | 4 | 0.9 | NPPES [2] |
| DME and HME suppliers | 3 | 0.7 | NPPES [2] |
| Urgent care | 3 | 0.7 | NPPES [2] |
| ASCs and OBLs | 3 | 0.7 | NPPES [2] |
| Hormone, TRT, and men's health clinics | 2 | 0.5 | NPPES [2] |
| Specialty physician groups | 2 | 0.5 | NPPES [2] |
| Dialysis and infusion centers | 2 | 0.5 | NPPES [2] |
| NEMT and ambulance | 1 | 0.2 | NPPES [2] |
| IV hydration and infusion | 1 | 0.2 | NPPES [2] |
| Clinical and toxicology labs | 1 | 0.2 | NPPES [2] |
| Telehealth and virtual clinics | 1 | 0.2 | NPPES [2] |
| Medical equipment suppliers | 5 | CMS [4] | |
| Dialysis facilities | 2 | CMS [4] | |
| Ambulatory surgical centers | 1 | CMS [4] | |
| Home health agencies | 1 | CMS [4] |
Physical, occupational, and speech therapy carries 100 of the 292 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
What Guadalupe County credit files already show
The county file holds 5 healthcare approvals, which is a thin comparable set for anyone pricing collateral
| What it measures | Value | How to read it |
|---|---|---|
| SBA healthcare approvals | 5 | Counted for the fiscal year the SBA publishes [5] |
| Approved dollars | $6,662,200 | Everything approved to healthcare borrowers, added up [5] |
| Average approval | $1,332,440 | The dollar column over the approval column [5] |
| Lending establishments in the county | 56 | Places that write credit locally, NAICS 522 [6] |
The consequence of these numbers
At 65.7 clinicians per 10,000 residents, the catchment radius in a projection has to be defended rather than assumed. With 5 approvals on record in Guadalupe County, expect a longer appraisal and a wider collateral discount. Household income of $96,633 in Schertz is the number a lender uses to sanity check the self-pay share of a revenue projection.
Where a file from this town usually lands
- Practice acquisition
- Startup and de novo
- Working capital term loan
- Expansion, relocation, and build-out
- Equipment financing and leasing
Weighted by how often each of the 24 local fields reaches for a program, not by what is easiest to refer. Texas rules and the partner decide availability.
The first pages of a Schertz file
What a funder opens first depends on the field. In Schertz that means physical, occupational, and speech therapy, aba and autism therapy, general dentistry.
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| Physical, occupational, and speech therapy (100) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| ABA and autism therapy (40) | Authorized hours against delivered hours, Payer mix stability, Billing compliance history | Working capital against authorization and billing lag |
| General dentistry (24) | 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 Schertz clinicians from the federal file. Columns two and three describe how the field is usually underwritten, and a partner can read a Schertz file differently.
Schertz against nearby Texas markets
Density is the number that moves an appraisal: 65.7 per 10,000 here
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Schertz (current) | 44,428 | 292 | 65.7 | |
| Cibolo | 37,816 | 85 | 22.5 | 2 |
| Selma | 11,900 | 38 | 31.9 | 4 |
| Converse | 31,400 | 100 | 31.8 | 5 |
| Live Oak | 16,218 | 242 | 149.2 | 5 |
| Seguin | 38,789 | 226 | 58.3 | 17 |
| Leon Valley | 11,424 | 13 | 11.4 | 22 |
Distance, income, and the wage floor around Schertz
Distance to San Antonio-New Braunfels, TX is 18 miles. Appraisers borrow San Antonio-New Braunfels, TX rents, and the 44,428 residents set the ceiling on collections. Median household income runs $96,633, which is the number a funder converts into case acceptance on anything elective or cash-pay. Referral flow comes from outside Schertz, which a projection needs to state plainly. A college in Schertz puts a term-shaped curve into monthly collections.
More of Texas
Schertz owners, answered
01How many providers practice in Schertz, and in what?
NPPES lists 292 providers at a Schertz practice address, 65.7 per 10,000 residents across 24 tracked fields. Physical, occupational, and speech therapy accounts for 100 of them, 34 percent of the total, with aba and autism therapy next at 40. Read that as clinicians: 292 enumerations, not 292 owners.
02Why does Guadalupe County show so little SBA activity?
Guadalupe County shows 5 approvals in the SBA healthcare file, which means an appraiser reaches outside the county for comparables. Few sales, not weak credit, is the usual reason. 56 lending establishments operate locally.
03What does Guadalupe County's shortage designation change?
Guadalupe County holds a HRSA designation covering primary care, mental health. A pro forma for Schertz can cite it as the reason a vacancy is fillable, which is usually the weakest line in a ramp schedule.
04Is Schertz underwritten as part of San Antonio-New Braunfels, TX?
Partly. San Antonio-New Braunfels, TX is 18 miles out, so rent and equipment comparables travel in from there while patients still come from the 44,428 residents around Schertz. Cost side metro, revenue side local.
05What does a $96,633 median income mean for case acceptance?
Median household income in Schertz runs $96,633. 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.
06Is there local lending capacity in Guadalupe County?
County Business Patterns records 56 credit intermediation establishments in Guadalupe County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Schertz rents and resale before or by somebody working from a screen.
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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