Texas micro-market
Healthcare practice financing in Watauga, Texas
Direct answer
A Watauga file is read against 90 local clinicians, 38.9 for every 10,000 of its 23,120 residents, 18 percent of them in general dentistry, plus the 73 SBA healthcare approvals worth $46,204,800 already recorded in Tarrant County, 29 miles from Dallas-Fort Worth-Arlington, 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: 23,120 residents (10K-25K band)1
- Healthcare providers registered here: 90 across 20 fields2
- Median household income: $91,6693
- Largest provider field: General dentistry: 16 registered providers2
- Medicare-certified providers in town: 1 across 1 categories4
- Nearest metro: Dallas-Fort Worth-Arlington, TX, 29 miles1
The provider census in Watauga
The NPPES file puts 90 enumerated clinicians inside Watauga, spread over 20 fields at 38.9 per 10,000 residents
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| General dentistry | 16 | 6.9 | NPPES [2] |
| Optometry and ophthalmology | 13 | 5.6 | NPPES [2] |
| Chiropractic | 10 | 4.3 | NPPES [2] |
| Physical, occupational, and speech therapy | 9 | 3.9 | NPPES [2] |
| ABA and autism therapy | 8 | 3.5 | NPPES [2] |
| Primary care and family medicine | 7 | 3.0 | NPPES [2] |
| Independent pharmacy | 4 | 1.7 | NPPES [2] |
| Home health | 3 | 1.3 | NPPES [2] |
| Dental specialties | 3 | 1.3 | NPPES [2] |
| Non-medical home care | 3 | 1.3 | NPPES [2] |
| Hospice and palliative | 3 | 1.3 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 3 | 1.3 | NPPES [2] |
| Podiatry | 1 | 0.4 | NPPES [2] |
| DME and HME suppliers | 1 | 0.4 | NPPES [2] |
| SUD treatment and residential | 1 | 0.4 | NPPES [2] |
| NEMT and ambulance | 1 | 0.4 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 1 | 0.4 | NPPES [2] |
| Behavioral and mental health group practices | 1 | 0.4 | NPPES [2] |
| Clinical and toxicology labs | 1 | 0.4 | NPPES [2] |
| Telehealth and virtual clinics | 1 | 0.4 | NPPES [2] |
| Medical equipment suppliers | 3 | CMS [4] | |
| Hospice providers | 1 | CMS [4] |
General dentistry carries 16 of the 90 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
What Tarrant County credit files already show
Lenders in Tarrant County have already closed 73 healthcare approvals, averaging $632,942, which is the size a new file gets read beside
| What it measures | Value | How to read it |
|---|---|---|
| SBA healthcare approvals | 73 | Fiscal year published in the SBA file [5] |
| Approved dollars | $46,204,800 | Sum of approvals to healthcare borrowers [5] |
| Average approval | $632,942 | Dollars divided by approvals [5] |
| Lending establishments in the county | 1,093 | Credit intermediation establishments, NAICS 522 [6] |
Reading Watauga the way a credit committee does
At 38.9 clinicians per 10,000 residents, the catchment radius in a projection has to be defended rather than assumed. A request measured against 73 prior Tarrant County approvals is priced on precedent, which shortens the questions about valuation. A $91,669 median household income here sets the ceiling on what an elective or cash-pay line can be expected to carry.
Where a file from this town usually lands
- Practice acquisition
- Startup and de novo
- Expansion, relocation, and build-out
- Equipment financing and leasing
- Working capital term loan
Weighted by how often each of the 20 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 Watauga file
What a funder opens first depends on the field. In Watauga that means general dentistry, optometry and ophthalmology, chiropractic.
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| General dentistry (16) | Three years of collections history, Hygiene as a share of collections, Overhead ratio and owner add-backs | Acquisition of an established practice |
| Optometry and ophthalmology (13) | Exam volume and optical capture, Vision plan mix, Inventory turns | Cold start or acquisition |
| Chiropractic (10) | Cash plan revenue, Personal injury receivable age, Visit volume | Startup or acquisition |
Counts in the first column are Watauga providers from NPPES. The other two columns describe how funders read that field across markets like Watauga, not what any funder will do with your file.
Watauga against nearby Texas markets
38.9 per 10,000 is the figure a neighboring town gets compared against when an appraiser prices Watauga
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Watauga (current) | 23,120 | 90 | 38.9 | |
| North Richland Hills | 71,436 | 456 | 63.8 | 2 |
| Keller | 46,643 | 538 | 115.3 | 4 |
| Hurst | 39,500 | 464 | 117.5 | 5 |
| Colleyville | 26,012 | 356 | 136.9 | 6 |
| Bedford | 48,728 | 571 | 117.2 | 7 |
| Saginaw | 26,116 | 123 | 47.1 | 7 |
How Watauga sits against the nearest metro
Distance to Dallas-Fort Worth-Arlington, TX is 29 miles. That is close enough for rent in Watauga to be compared against the metro and far enough that patient draw is not. Median household income runs $91,669, which is the number a funder converts into case acceptance on anything elective or cash-pay. Referral flow comes from outside Watauga, which a projection needs to state plainly.
Other Texas markets
- North Richland Hills 71,436 residents
- Keller 46,643 residents
- Hurst 39,500 residents
- Colleyville 26,012 residents
- Bedford 48,728 residents
- Saginaw 26,116 residents
Watauga owners, answered
01How many providers practice in Watauga, and in what?
Across 20 fields, Watauga carries 90 enumerated clinicians, 38.9 per 10,000 of the 23,120 people living here. The concentration is in general dentistry, 16 of the total, then optometry and ophthalmology at 13. Count practices from that only with care.
02What does Tarrant County's shortage designation change?
HRSA designates Tarrant County for primary care, dental, mental health. That opens loan repayment programs for clinicians recruited into Watauga and evidences a staffing ramp in a 23,120 resident market.
03What does SBA lending look like around Watauga?
$46,204,800 went to healthcare borrowers in Tarrant County across 73 approvals, $632,942 on average. Deals near Watauga get sized against that record before anything else.
04Is Watauga underwritten as part of Dallas-Fort Worth-Arlington, TX?
Dallas-Fort Worth-Arlington, TX sits 29 miles away, close enough that appraisers reach into that market for rent and resale comparables while your patient draw stays local. The comparables read Dallas-Fort Worth-Arlington, TX; the 23,120 residents set the ceiling a projection can defend.
05Is there local lending capacity in Tarrant County?
County Business Patterns records 1,093 credit intermediation establishments in Tarrant County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Watauga rents and resale before or by somebody working from a screen.
06What does the underserved designation in Tarrant County support?
Tarrant County carries a medically underserved designation. It evidences unmet demand behind a capacity build, and it opens recruitment programs that make a staffing line in a projection easier to defend than local wage data alone would.
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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