Texas micro-market
Healthcare practice financing in Selma, Texas
Direct answer
Bexar County carries 38 SBA healthcare approvals worth $12,939,700, and inside Selma the census shows 38 enumerated clinicians against 11,900 residents, 31.9 per 10,000, 37 percent of them in physical, occupational, and speech therapy. San Antonio-New Braunfels, TX lies 15 miles away.
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: 11,900 residents (10K-25K band)1
- Healthcare providers registered here: 38 across 11 fields2
- Median household income: $97,1533
- Largest provider field: Physical, occupational, and speech therapy: 14 registered providers2
- Nearest metro: San Antonio-New Braunfels, TX, 15 miles1
- SBA healthcare approvals in the county: 38 approvals totaling $12,939,7004
The provider census in Selma
The NPPES file puts 38 enumerated clinicians inside Selma, spread over 11 fields at 31.9 per 10,000 residents
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| Physical, occupational, and speech therapy | 14 | 11.8 | NPPES [2] |
| Optometry and ophthalmology | 8 | 6.7 | NPPES [2] |
| General dentistry | 4 | 3.4 | NPPES [2] |
| Specialty physician groups | 3 | 2.5 | NPPES [2] |
| DME and HME suppliers | 2 | 1.7 | NPPES [2] |
| Primary care and family medicine | 2 | 1.7 | NPPES [2] |
| Urgent care | 1 | 0.8 | NPPES [2] |
| Independent pharmacy | 1 | 0.8 | NPPES [2] |
| ABA and autism therapy | 1 | 0.8 | NPPES [2] |
| Med spa and aesthetics | 1 | 0.8 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 1 | 0.8 | NPPES [2] |
| Medical equipment suppliers | 2 | CMS [5] |
A single Selma practice can hold more than one of these numbers. 37 percent sit in physical, occupational, and speech therapy, counted as clinicians rather than as owners.
What Bexar County credit files already show
The published file shows 38 healthcare approvals in Bexar County, $12,939,700 in total, and that history is what an appraiser and a credit committee reach for
| Measure | Published figure | What sits behind it |
|---|---|---|
| Healthcare files approved | 38 | Fiscal year published in the SBA file [4] |
| Dollars behind them | $12,939,700 | Sum of approvals to healthcare borrowers [4] |
| Typical approval size | $340,518 | Dollars divided by approvals [4] |
| Credit offices operating locally | 1,019 | Credit intermediation establishments, NAICS 522 [6] |
The consequence of these numbers
A file from here opens on 31.9 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. Household income of $97,153 in Selma is the number a lender uses to sanity check the self-pay share of a revenue projection.
Programs the Selma mix reaches for
- Practice acquisition
- Startup and de novo
- Equipment financing and leasing
- Expansion, relocation, and build-out
- Working capital term loan
The 11 fields practicing locally set this order. A funding partner, not this list, decides what is available in Texas.
What a funder reads first in Selma
physical, occupational, and speech therapy, optometry and ophthalmology, general dentistry account for most of what is enumerated in Selma, so those are the files funders see from this town
| Field | What the file turns on | The capital event behind most requests |
|---|---|---|
| Physical, occupational, and speech therapy (14) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Optometry and ophthalmology (8) | Exam volume and optical capture, Vision plan mix, Inventory turns | Cold start or acquisition |
| General dentistry (4) | Three years of collections history, Hygiene as a share of collections, Overhead ratio and owner add-backs | Acquisition of an established practice |
Counts in the first column are Selma providers from NPPES. The other two columns describe how funders read that field across markets like Selma, not what any funder will do with your file.
How Selma prices against its neighbors
31.9 per 10,000 is the figure a neighboring town gets compared against when an appraiser prices Selma
| Comparable | People | Enumerations | Per 10,000 residents | Miles |
|---|---|---|---|---|
| Selma (current) | 11,900 | 38 | 31.9 | |
| Live Oak | 16,218 | 242 | 149.2 | 3 |
| Schertz | 44,428 | 292 | 65.7 | 4 |
| Converse | 31,400 | 100 | 31.8 | 5 |
| Cibolo | 37,816 | 85 | 22.5 | 6 |
| Leon Valley | 11,424 | 13 | 11.4 | 19 |
| Seguin | 38,789 | 226 | 58.3 | 21 |
Distance, income, and the wage floor around Selma
San Antonio-New Braunfels, TX lies 15 miles from Selma, close enough that appraisers price the lease against San Antonio-New Braunfels, TX rents while 11,900 residents set the revenue ceiling. Households here carry $97,153 in median income, and that ceiling decides how much of a treatment plan gets started rather than deferred. No hospital operates here, so the referral sources and the call arrangement have to be named rather than assumed.
Other Texas markets
What owners in Selma ask
01How many providers practice in Selma, and in what?
38 enumerations sit at Selma addresses in the monthly NPPES file, working out to 31.9 for every 10,000 residents. 37 percent of them are physical, occupational, and speech therapy, and optometry and ophthalmology follows with 8. An enumeration is a clinician, so the 38 here cover fewer than 38 practices.
02What does SBA lending look like around Selma?
$12,939,700 went to healthcare borrowers in Bexar County across 38 approvals, $340,518 on average. Deals near Selma get sized against that record before anything else.
03Is Selma underwritten as part of San Antonio-New Braunfels, TX?
San Antonio-New Braunfels, TX sits 15 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 11,900 residents set the ceiling a projection can defend.
04What does a $97,153 median income mean for case acceptance?
Median household income in Selma runs $97,153. 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.
05What does Bexar County's shortage designation change?
Bexar County holds a HRSA designation covering primary care, dental, mental health. A pro forma for Selma can cite it as the reason a vacancy is fillable, which is usually the weakest line in a ramp schedule.
06Is 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 Selma 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
- 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.