Alabama micro-market
Healthcare practice financing in Cullman, Alabama
Direct answer
20,239 residents, 446 enumerated clinicians, 220.4 per 10,000, 16 percent of them in primary care and family medicine: that is the Cullman market a funder prices. Cullman County adds 0 healthcare approvals worth $0 and 29 miles of distance to Decatur, AL.
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. How a referral works in Alabama, and how many partners see it, is set out on the Alabama page.
- Population: 20,239 residents (10K-25K band)1
- Healthcare providers registered here: 446 across 31 fields2
- Median household income: $63,7043
- Largest provider field: Primary care and family medicine: 70 registered providers2
- Medicare-certified providers in town: 8 across 4 categories4
- Nearest metro: Decatur, AL, 29 miles1
Cullman clinicians, by field
Counted at the town's own addresses: 446 providers, 31 fields, 220.4 clinicians per 10,000 of the 20,239 residents here
| Practice type | Count | Rate per 10,000 residents | Published by |
|---|---|---|---|
| Primary care and family medicine | 70 | 34.6 | NPPES [2] |
| Physical, occupational, and speech therapy | 68 | 33.6 | NPPES [2] |
| Chiropractic | 41 | 20.3 | NPPES [2] |
| Specialty physician groups | 33 | 16.3 | NPPES [2] |
| Optometry and ophthalmology | 31 | 15.3 | NPPES [2] |
| General dentistry | 28 | 13.8 | NPPES [2] |
| DME and HME suppliers | 27 | 13.3 | NPPES [2] |
| Behavioral and mental health group practices | 23 | 11.4 | NPPES [2] |
| Independent pharmacy | 17 | 8.4 | NPPES [2] |
| Home health | 13 | 6.4 | NPPES [2] |
| Dental specialties | 13 | 6.4 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 13 | 6.4 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 10 | 4.9 | NPPES [2] |
| ABA and autism therapy | 6 | 3.0 | NPPES [2] |
| Hospice and palliative | 6 | 3.0 | NPPES [2] |
| Dermatology | 5 | 2.5 | NPPES [2] |
| Med spa and aesthetics | 5 | 2.5 | NPPES [2] |
| Podiatry | 4 | 2.0 | NPPES [2] |
| Clinical and toxicology labs | 4 | 2.0 | NPPES [2] |
| Dialysis and infusion centers | 4 | 2.0 | NPPES [2] |
| Urgent care | 3 | 1.5 | NPPES [2] |
| SUD treatment and residential | 3 | 1.5 | NPPES [2] |
| Audiology and hearing centers | 3 | 1.5 | NPPES [2] |
| Non-medical home care | 3 | 1.5 | NPPES [2] |
| Telehealth and virtual clinics | 3 | 1.5 | NPPES [2] |
| Occupational health and drug testing | 3 | 1.5 | NPPES [2] |
| Pain management and interventional | 2 | 1.0 | NPPES [2] |
| Plastic and cosmetic surgery | 2 | 1.0 | NPPES [2] |
| ASCs and OBLs | 1 | 0.5 | NPPES [2] |
| Imaging centers | 1 | 0.5 | NPPES [2] |
| Clinical research sites | 1 | 0.5 | NPPES [2] |
| Medical equipment suppliers | 18 | CMS [4] | |
| Home health agencies | 3 | CMS [4] | |
| Hospice providers | 2 | CMS [4] | |
| Dialysis facilities | 2 | CMS [4] | |
| Ambulatory surgical centers | 1 | CMS [4] |
Primary care and family medicine carries 70 of the 446 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
What Cullman County credit files already show
With 0 healthcare approvals recorded, Cullman County gives a valuation almost nothing local to lean on
| What it measures | Value | How to read it |
|---|---|---|
| SBA healthcare approvals | 0 | Counted for the fiscal year the SBA publishes [5] |
| Approved dollars | $0 | Everything approved to healthcare borrowers, added up [5] |
| Average approval | No approvals recorded | The dollar column over the approval column [5] |
| Lending establishments in the county | 74 | Places that write credit locally, NAICS 522 [6] |
Reading Cullman the way a credit committee does
A file from here opens on 220.4 providers per 10,000 residents, and everything about volume follows from it. With 0 approvals on record in Cullman County, expect a longer appraisal and a wider collateral discount. A $63,704 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
Built from what is enumerated here rather than from a national list, so a field with no presence in Cullman does not appear. Availability is still a Alabama question.
The first pages of a Cullman file
What a funder opens first depends on the field. In Cullman that means primary care and family medicine, physical, occupational, and speech therapy, chiropractic.
| Field | What the file turns on | The capital event behind most requests |
|---|---|---|
| Primary care and family medicine (70) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| Physical, occupational, and speech therapy (68) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Chiropractic (41) | Cash plan revenue, Personal injury receivable age, Visit volume | Startup or acquisition |
The first column is Cullman's own NPPES count. The rest is how the field is generally underwritten, whether the address is Cullman or anywhere else.
Density beside the neighboring Alabama towns
Set Cullman's 220.4 per 10,000 against the towns an appraiser would reach for next
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Cullman (current) | 20,239 | 446 | 220.4 | |
| Hartselle | 16,201 | 121 | 74.7 | 19 |
| Decatur | 57,974 | 544 | 93.8 | 29 |
| Jasper | 14,561 | 308 | 211.5 | 33 |
| Gardendale | 16,444 | 224 | 136.2 | 35 |
| Albertville | 23,392 | 156 | 66.7 | 36 |
| Madison | 64,029 | 662 | 103.4 | 37 |
How Cullman sits against the nearest metro
Distance to Decatur, AL is 29 miles. That is close enough for rent in Cullman to be compared against the metro and far enough that patient draw is not. Median household income runs $63,704, which is the number a funder converts into case acceptance on anything elective or cash-pay. Hospital coverage inside Cullman means a call schedule can be evidenced rather than described. Cullman is the Cullman County seat, so county employment steadies the payer mix.
Nearby Alabama towns
- Hartselle 16,201 residents
- Decatur 57,974 residents
- Jasper 14,561 residents
- Gardendale 16,444 residents
- Albertville 23,392 residents
- Madison 64,029 residents
What owners in Cullman ask
01How many providers practice in Cullman, and in what?
446 enumerations sit at Cullman addresses in the monthly NPPES file, working out to 220.4 for every 10,000 residents. 16 percent of them are primary care and family medicine, and physical, occupational, and speech therapy follows with 68. An enumeration is a clinician, so the 446 here cover fewer than 446 practices.
02What does Cullman County's shortage designation change?
HRSA designates Cullman County for primary care, dental, mental health. That opens loan repayment programs for clinicians recruited into Cullman and evidences a staffing ramp in a 20,239 resident market.
03Which fields carry the volume in Cullman?
The 31 enumerated fields are led by primary care and family medicine at 70, with physical, occupational, and speech therapy at 68 behind it. Those two counts double as the competition you are entering and the bench you would hire from.
04Why does Cullman County show so little SBA activity?
Cullman County shows 0 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. 74 lending establishments operate locally.
05How does the hospital in Cullman affect a practice file?
A Medicare-certified hospital operates in the town, which gives referral flow, a call schedule, and a clinical labor pool a funder can verify. 8 Medicare-certified providers are located here in total. It also sets the wage floor behind every hire in a 220.4 per 10,000 market.
06What does a $63,704 median income mean for case acceptance?
Median household income in Cullman runs $63,704. 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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