Texas micro-market
Healthcare practice financing in Seguin, Texas
Direct answer
Density decides a lot here. Seguin runs 58.3 providers per 10,000 residents, 226 clinicians against 38,789 people, 19 percent of them in primary care and family medicine, while Guadalupe County lenders have approved 5 healthcare files worth $6,662,200 and the nearest metro is 35 miles out.
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: 38,789 residents (25K-50K band)1
- Healthcare providers registered here: 226 across 29 fields2
- Median household income: $61,8963
- Largest provider field: Primary care and family medicine: 44 registered providers2
- Medicare-certified providers in town: 6 across 3 categories4
- Nearest metro: San Antonio-New Braunfels, TX, 35 miles1
The clinical base a lender can verify here
226 providers across 29 fields, 58.3 per 10,000 residents, counted at Seguin addresses in the NPPES monthly file
| Practice type | Count | Rate per 10,000 residents | Published by |
|---|---|---|---|
| Primary care and family medicine | 44 | 11.3 | NPPES [2] |
| Physical, occupational, and speech therapy | 29 | 7.5 | NPPES [2] |
| General dentistry | 27 | 7.0 | NPPES [2] |
| Dental specialties | 15 | 3.9 | NPPES [2] |
| Optometry and ophthalmology | 15 | 3.9 | NPPES [2] |
| Chiropractic | 14 | 3.6 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 12 | 3.1 | NPPES [2] |
| DME and HME suppliers | 11 | 2.8 | NPPES [2] |
| Specialty physician groups | 8 | 2.1 | NPPES [2] |
| Behavioral and mental health group practices | 8 | 2.1 | NPPES [2] |
| Home health | 5 | 1.3 | NPPES [2] |
| Independent pharmacy | 5 | 1.3 | NPPES [2] |
| Dialysis and infusion centers | 5 | 1.3 | NPPES [2] |
| Telehealth and virtual clinics | 4 | 1.0 | NPPES [2] |
| Podiatry | 3 | 0.8 | NPPES [2] |
| Urgent care | 3 | 0.8 | NPPES [2] |
| NEMT and ambulance | 2 | 0.5 | NPPES [2] |
| Audiology and hearing centers | 2 | 0.5 | NPPES [2] |
| ABA and autism therapy | 2 | 0.5 | NPPES [2] |
| Hospice and palliative | 2 | 0.5 | NPPES [2] |
| Clinical and toxicology labs | 2 | 0.5 | NPPES [2] |
| ASCs and OBLs | 1 | 0.3 | NPPES [2] |
| Imaging centers | 1 | 0.3 | NPPES [2] |
| Non-medical home care | 1 | 0.3 | NPPES [2] |
| Med spa and aesthetics | 1 | 0.3 | NPPES [2] |
| Hormone, TRT, and men's health clinics | 1 | 0.3 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 1 | 0.3 | NPPES [2] |
| IV hydration and infusion | 1 | 0.3 | NPPES [2] |
| Occupational health and drug testing | 1 | 0.3 | NPPES [2] |
| Medical equipment suppliers | 7 | CMS [4] | |
| Dialysis facilities | 3 | CMS [4] | |
| Hospice providers | 2 | CMS [4] | |
| Home health agencies | 1 | CMS [4] |
Several of the 44 primary care and family medicine enumerations can belong to one practice, so the column counts clinicians rather than businesses or owners
The lending record behind Seguin
5 healthcare approvals sit in the county file, so an appraiser here works from a short comparable set
| Measure | Published figure | What sits behind it |
|---|---|---|
| Approvals on record | 5 | Fiscal year published in the SBA file [5] |
| Total approved capital | $6,662,200 | Sum of approvals to healthcare borrowers [5] |
| Mean deal size | $1,332,440 | Dollars divided by approvals [5] |
| Lenders sited in the county | 56 | Credit intermediation establishments, NAICS 522 [6] |
How this data lands in an underwriting decision
The ratio that matters up front is 58.3 per 10,000, which decides whether a ramp schedule reads as conservative. Guadalupe County has 5 approvals to compare against, so plan for extra appraisal time and a conservative valuation. With $61,896 as the median household income, the payer mix in a projection has to match what Seguin households actually spend.
The programs this provider mix points at
- Practice acquisition
- Startup and de novo
- Expansion, relocation, and build-out
- Equipment financing and leasing
- Working capital term loan
Ranked from the 29 fields that actually practice in Seguin, weighted toward primary care and family medicine. Availability still depends on Texas and on the funding partner.
The first pages of a Seguin file
Drawn from the fields that actually practice here: primary care and family medicine, physical, occupational, and speech therapy, general dentistry
| Practice type | The pages that decide it | Typical capital event |
|---|---|---|
| Primary care and family medicine (44) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| Physical, occupational, and speech therapy (29) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| General dentistry (27) | Three years of collections history, Hygiene as a share of collections, Overhead ratio and owner add-backs | Acquisition of an established practice |
Local counts come from NPPES. What a file turns on is drawn from how the field is generally reviewed, not from any decision about your practice.
How Seguin prices against its neighbors
Set Seguin's 58.3 per 10,000 against the towns an appraiser would reach for next
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Seguin (current) | 38,789 | 226 | 58.3 | |
| Cibolo | 37,816 | 85 | 22.5 | 15 |
| Schertz | 44,428 | 292 | 65.7 | 17 |
| Converse | 31,400 | 100 | 31.8 | 21 |
| Selma | 11,900 | 38 | 31.9 | 21 |
| Live Oak | 16,218 | 242 | 149.2 | 22 |
| Lockhart | 17,166 | 76 | 44.3 | 26 |
What the geography does to a Seguin projection
35 miles separate Seguin from San Antonio-New Braunfels, TX. Rent comparables cross that gap; patients mostly do not. At $61,896 median household income, the elective and cash-pay share of a projection is the line that gets tested first. Wages here are anchored by the Medicare-certified hospital in town, which is what a staffing line gets measured against. Higher education here explains why summer looks unlike the rest of the year. Seguin is the Guadalupe County seat, so county employment steadies the payer mix.
Nearby Texas towns
Seguin owners, answered
01How many providers practice in Seguin, and in what?
226 enumerations sit at Seguin addresses in the monthly NPPES file, working out to 58.3 for every 10,000 residents. 19 percent of them are primary care and family medicine, and physical, occupational, and speech therapy follows with 29. An enumeration is a clinician, so the 226 here cover fewer than 226 practices.
02Why does Guadalupe County show so little SBA activity?
Only 5 healthcare approvals appear for Guadalupe County in the published 7(a) and 504 file. Thin volume in Guadalupe County is a transaction count, not a verdict on borrowers here. The county still holds 56 credit intermediation establishments.
03How does the hospital in Seguin affect a practice file?
Referral flow, coverage, and the local pay scale all trace back to it. The town carries 6 Medicare-certified providers in total. A Seguin projection that names the call arrangement reads better than one that assumes it.
04What does Guadalupe County's shortage designation change?
The primary care, mental health designation HRSA carries on Guadalupe County is a recruiting instrument: it puts repayment incentives in front of candidates, which is how a hiring plan for 38,789 residents gets past the question of who would take the job.
05Is Seguin underwritten as part of San Antonio-New Braunfels, TX?
Partly. San Antonio-New Braunfels, TX is 35 miles out, so rent and equipment comparables travel in from there while patients still come from the 38,789 residents around Seguin. Cost side metro, revenue side local.
06What does a $61,896 median income mean for case acceptance?
Median household income in Seguin runs $61,896. 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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