Alabama micro-market
Healthcare practice financing in Decatur, Alabama
Direct answer
Morgan County carries 0 SBA healthcare approvals worth $0, and inside Decatur the census shows 544 enumerated clinicians against 57,974 residents, 93.8 per 10,000, 18 percent of them in physical, occupational, and speech therapy. Decatur, AL lies 0 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. How a referral works in Alabama, and how many partners see it, is set out on the Alabama page.
- Population: 57,974 residents (50K-100K band)1
- Healthcare providers registered here: 544 across 32 fields2
- Median household income: $59,8313
- Largest provider field: Physical, occupational, and speech therapy: 100 registered providers2
- Medicare-certified providers in town: 10 across 4 categories4
- Nearest metro: Decatur, AL, 0 miles1
The clinical base a lender can verify here
Counted at the town's own addresses: 544 providers, 32 fields, 93.8 clinicians per 10,000 of the 57,974 residents here
| Practice type | Count | Rate per 10,000 residents | Published by |
|---|---|---|---|
| Physical, occupational, and speech therapy | 100 | 17.2 | NPPES [2] |
| Specialty physician groups | 65 | 11.2 | NPPES [2] |
| Primary care and family medicine | 64 | 11.0 | NPPES [2] |
| General dentistry | 55 | 9.5 | NPPES [2] |
| Optometry and ophthalmology | 35 | 6.0 | NPPES [2] |
| Chiropractic | 32 | 5.5 | NPPES [2] |
| DME and HME suppliers | 25 | 4.3 | NPPES [2] |
| Independent pharmacy | 22 | 3.8 | NPPES [2] |
| Behavioral and mental health group practices | 20 | 3.4 | NPPES [2] |
| Home health | 16 | 2.8 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 15 | 2.6 | NPPES [2] |
| Dental specialties | 14 | 2.4 | NPPES [2] |
| Non-medical home care | 13 | 2.2 | NPPES [2] |
| Dermatology | 9 | 1.6 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 9 | 1.6 | NPPES [2] |
| Telehealth and virtual clinics | 7 | 1.2 | NPPES [2] |
| ABA and autism therapy | 6 | 1.0 | NPPES [2] |
| Hospice and palliative | 5 | 0.9 | NPPES [2] |
| NEMT and ambulance | 4 | 0.7 | NPPES [2] |
| Dialysis and infusion centers | 4 | 0.7 | NPPES [2] |
| Podiatry | 3 | 0.5 | NPPES [2] |
| Med spa and aesthetics | 3 | 0.5 | NPPES [2] |
| Clinical and toxicology labs | 3 | 0.5 | NPPES [2] |
| Urgent care | 2 | 0.3 | NPPES [2] |
| ASCs and OBLs | 2 | 0.3 | NPPES [2] |
| SUD treatment and residential | 2 | 0.3 | NPPES [2] |
| Imaging centers | 2 | 0.3 | NPPES [2] |
| Hormone, TRT, and men's health clinics | 2 | 0.3 | NPPES [2] |
| Occupational health and drug testing | 2 | 0.3 | NPPES [2] |
| Pain management and interventional | 1 | 0.2 | NPPES [2] |
| Audiology and hearing centers | 1 | 0.2 | NPPES [2] |
| Plastic and cosmetic surgery | 1 | 0.2 | NPPES [2] |
| Medical equipment suppliers | 19 | CMS [4] | |
| Dialysis facilities | 4 | CMS [4] | |
| Hospice providers | 3 | CMS [4] | |
| Ambulatory surgical centers | 2 | CMS [4] | |
| Home health agencies | 1 | CMS [4] |
Physical, occupational, and speech therapy carries 100 of the 544 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
What lenders have already approved in Morgan County
With 0 healthcare approvals recorded, Morgan County gives a valuation almost nothing local to lean on
| What it measures | Value | How to read it |
|---|---|---|
| Healthcare files approved | 0 | Counted for the fiscal year the SBA publishes [5] |
| Dollars behind them | $0 | Everything approved to healthcare borrowers, added up [5] |
| Typical approval size | No approvals recorded | The dollar column over the approval column [5] |
| Credit offices operating locally | 101 | Places that write credit locally, NAICS 522 [6] |
How this data lands in an underwriting decision
Underwriting starts with 93.8 providers per 10,000 residents, because that ratio caps how fast a chair or a room fills. With 0 approvals on record in Morgan County, expect a longer appraisal and a wider collateral discount. A $59,831 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
The order comes from Decatur's own provider mix, which physical, occupational, and speech therapy dominates at 18 percent. What a partner can actually place in Alabama is a separate question.
Underwriting by field in Decatur
Drawn from the fields that actually practice here: physical, occupational, and speech therapy, specialty physician groups, primary care and family medicine
| Field | What the file turns on | The capital event behind most requests |
|---|---|---|
| Physical, occupational, and speech therapy (100) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Specialty physician groups (65) | Ancillary revenue contribution, Provider productivity, Payer contracts | Ancillary build-out |
| Primary care and family medicine (64) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
Column one counts Decatur clinicians from the federal file. Columns two and three describe how the field is usually underwritten, and a partner can read a Decatur file differently.
Density beside the neighboring Alabama towns
Set Decatur's 93.8 per 10,000 against the towns an appraiser would reach for next
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Decatur (current) | 57,974 | 544 | 93.8 | |
| Hartselle | 16,201 | 121 | 74.7 | 10 |
| Athens | 32,587 | 313 | 96.1 | 14 |
| Madison | 64,029 | 662 | 103.4 | 16 |
| Cullman | 20,239 | 446 | 220.4 | 29 |
| Muscle Shoals | 17,409 | 178 | 102.2 | 38 |
| Florence | 42,716 | 551 | 129.0 | 42 |
Distance, income, and the wage floor around Decatur
Decatur, AL lies 0 miles from Decatur, close enough that appraisers price the lease against Decatur, AL rents while 57,974 residents set the revenue ceiling. Median household income runs $59,831, which is the number a funder converts into case acceptance on anything elective or cash-pay. Hospital coverage inside Decatur means a call schedule can be evidenced rather than described. Decatur is the Morgan County seat, so county employment steadies the payer mix.
More of Alabama
Questions from Decatur
01How many providers practice in Decatur, and in what?
544 enumerations sit at Decatur addresses in the monthly NPPES file, working out to 93.8 for every 10,000 residents. 18 percent of them are physical, occupational, and speech therapy, and specialty physician groups follows with 65. An enumeration is a clinician, so the 544 here cover fewer than 544 practices.
02Why does Morgan County show so little SBA activity?
Morgan 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. 101 lending establishments operate locally.
03What does Morgan County's shortage designation change?
HRSA designates Morgan County for primary care, dental, mental health. That opens loan repayment programs for clinicians recruited into Decatur and evidences a staffing ramp in a 57,974 resident market.
04Which fields carry the volume in Decatur?
Volume concentrates in physical, occupational, and speech therapy, 100 of them, ahead of specialty physician groups at 65, across 32 fields. A thin second field usually means a longer search for staff than a pro forma allows for.
05How does the hospital in Decatur 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. 10 Medicare-certified providers are located here in total. It also sets the wage floor behind every hire in a 93.8 per 10,000 market.
06What does a $59,831 median income mean for case acceptance?
Median household income in Decatur runs $59,831. 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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