Alabama micro-market
Healthcare practice financing in Jacksonville, Alabama
Direct answer
Calhoun County carries 0 SBA healthcare approvals worth $0, and inside Jacksonville the census shows 62 enumerated clinicians against 14,651 residents, 42.3 per 10,000, 18 percent of them in physical, occupational, and speech therapy. Anniston-Oxford, AL lies 16 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: 14,651 residents (10K-25K band)1
- Healthcare providers registered here: 62 across 18 fields2
- Median household income: $47,1463
- Largest provider field: Physical, occupational, and speech therapy: 11 registered providers2
- Medicare-certified providers in town: 1 across 1 categories4
- Nearest metro: Anniston-Oxford, AL, 16 miles1
The provider census in Jacksonville
42.3 providers per 10,000 residents is what 62 enumerations across 18 fields works out to in a town of 14,651
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| Physical, occupational, and speech therapy | 11 | 7.5 | NPPES [2] |
| Primary care and family medicine | 8 | 5.5 | NPPES [2] |
| General dentistry | 6 | 4.1 | NPPES [2] |
| Optometry and ophthalmology | 5 | 3.4 | NPPES [2] |
| Behavioral and mental health group practices | 5 | 3.4 | NPPES [2] |
| Independent pharmacy | 4 | 2.7 | NPPES [2] |
| ABA and autism therapy | 4 | 2.7 | NPPES [2] |
| Specialty physician groups | 4 | 2.7 | NPPES [2] |
| DME and HME suppliers | 2 | 1.4 | NPPES [2] |
| Chiropractic | 2 | 1.4 | NPPES [2] |
| Med spa and aesthetics | 2 | 1.4 | NPPES [2] |
| Dialysis and infusion centers | 2 | 1.4 | NPPES [2] |
| Telehealth and virtual clinics | 2 | 1.4 | NPPES [2] |
| NEMT and ambulance | 1 | 0.7 | NPPES [2] |
| Hospice and palliative | 1 | 0.7 | NPPES [2] |
| Clinical and toxicology labs | 1 | 0.7 | NPPES [2] |
| Occupational health and drug testing | 1 | 0.7 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 1 | 0.7 | NPPES [2] |
| Medical equipment suppliers | 3 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] |
Physical, occupational, and speech therapy carries 11 of the 62 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
Calhoun County approvals, dollars, and lending establishments
With 0 healthcare approvals recorded, Calhoun County gives a valuation almost nothing local to lean on
| What it measures | Value | How to read it |
|---|---|---|
| Healthcare files approved | 0 | Fiscal year published in the SBA file [5] |
| Dollars behind them | $0 | Sum of approvals to healthcare borrowers [5] |
| Typical approval size | No approvals recorded | Dollars divided by approvals [5] |
| Credit offices operating locally | 113 | Credit intermediation establishments, NAICS 522 [6] |
How this data lands in an underwriting decision
The ratio that matters up front is 42.3 per 10,000, which decides whether a ramp schedule reads as conservative. Calhoun County has 0 approvals to compare against, so plan for extra appraisal time and a conservative valuation. With $47,146 as the median household income, the payer mix in a projection has to match what Jacksonville households actually spend.
Where a file from this town usually lands
- Practice acquisition
- Startup and de novo
- Expansion, relocation, and build-out
- Working capital term loan
- Equipment financing and leasing
The 18 fields practicing locally set this order. A funding partner, not this list, decides what is available in Alabama.
What a funder reads first in Jacksonville
physical, occupational, and speech therapy, primary care and family medicine, general dentistry account for most of what is enumerated in Jacksonville, so those are the files funders see from this town
| Practice type | The pages that decide it | Typical capital event |
|---|---|---|
| Physical, occupational, and speech therapy (11) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Primary care and family medicine (8) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| General dentistry (6) | 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 Jacksonville providers from NPPES. The other two columns describe how funders read that field across markets like Jacksonville, not what any funder will do with your file.
How Jacksonville prices against its neighbors
The neighboring markets below are the ones a valuation borrows from when Jacksonville has too few sales of its own
| Comparable | People | Enumerations | Per 10,000 residents | Miles |
|---|---|---|---|---|
| Jacksonville (current) | 14,651 | 62 | 42.3 | |
| Anniston | 21,127 | 408 | 193.1 | 10 |
| Oxford | 22,088 | 150 | 67.9 | 16 |
| Gadsden | 33,086 | 439 | 132.7 | 20 |
| Talladega | 14,693 | 105 | 71.5 | 33 |
| Boaz | 10,473 | 92 | 87.8 | 35 |
| Albertville | 23,392 | 156 | 66.7 | 41 |
Distance, income, and the wage floor around Jacksonville
Anniston-Oxford, AL lies 16 miles from Jacksonville, close enough that appraisers price the lease against Anniston-Oxford, AL rents while 14,651 residents set the revenue ceiling. At $47,146 median household income, the elective and cash-pay share of a projection is the line that gets tested first. No hospital operates here, so the referral sources and the call arrangement have to be named rather than assumed. Campus terms, not calendar quarters, set the busy months in Jacksonville.
Other Alabama markets
Jacksonville owners, answered
01How many providers practice in Jacksonville, and in what?
NPPES lists 62 providers at a Jacksonville practice address, 42.3 per 10,000 residents across 18 tracked fields. Physical, occupational, and speech therapy accounts for 11 of them, 18 percent of the total, with primary care and family medicine next at 8. Read that as clinicians: 62 enumerations, not 62 owners.
02Why does Calhoun County show so little SBA activity?
Only 0 healthcare approvals appear for Calhoun County in the published 7(a) and 504 file. Thin volume in Calhoun County is a transaction count, not a verdict on borrowers here. The county still holds 113 credit intermediation establishments.
03What does Calhoun County's shortage designation change?
Calhoun County holds a HRSA designation covering primary care, dental, mental health. A pro forma for Jacksonville can cite it as the reason a vacancy is fillable, which is usually the weakest line in a ramp schedule.
04What does a $47,146 median income mean for case acceptance?
Median household income in Jacksonville runs $47,146. 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.
05Is Jacksonville underwritten as part of Anniston-Oxford, AL?
Partly. Anniston-Oxford, AL is 16 miles out, so rent and equipment comparables travel in from there while patients still come from the 14,651 residents around Jacksonville. Cost side metro, revenue side local.
06Is there local lending capacity in Calhoun County?
County Business Patterns records 113 credit intermediation establishments in Calhoun County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Jacksonville 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
- 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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