Alabama micro-market
Healthcare practice financing in Jasper, Alabama
Direct answer
14,561 residents, 308 enumerated clinicians, 211.5 per 10,000, 24 percent of them in physical, occupational, and speech therapy: that is the Jasper market a funder prices. Walker County adds 0 healthcare approvals worth $0 and 35 miles of distance to Birmingham, 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: 14,561 residents (10K-25K band)1
- Healthcare providers registered here: 308 across 28 fields2
- Median household income: $66,2503
- Largest provider field: Physical, occupational, and speech therapy: 73 registered providers2
- Medicare-certified providers in town: 6 across 3 categories4
- Nearest metro: Birmingham, AL, 35 miles1
The provider census in Jasper
The NPPES file puts 308 enumerated clinicians inside Jasper, spread over 28 fields at 211.5 per 10,000 residents
| Practice type | Count | Rate per 10,000 residents | Published by |
|---|---|---|---|
| Physical, occupational, and speech therapy | 73 | 50.1 | NPPES [2] |
| Primary care and family medicine | 39 | 26.8 | NPPES [2] |
| Specialty physician groups | 30 | 20.6 | NPPES [2] |
| DME and HME suppliers | 21 | 14.4 | NPPES [2] |
| General dentistry | 18 | 12.4 | NPPES [2] |
| Independent pharmacy | 16 | 11.0 | NPPES [2] |
| Chiropractic | 15 | 10.3 | NPPES [2] |
| Optometry and ophthalmology | 15 | 10.3 | NPPES [2] |
| Behavioral and mental health group practices | 12 | 8.2 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 9 | 6.2 | NPPES [2] |
| Dental specialties | 8 | 5.5 | NPPES [2] |
| Clinical and toxicology labs | 7 | 4.8 | NPPES [2] |
| NEMT and ambulance | 6 | 4.1 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 6 | 4.1 | NPPES [2] |
| Dermatology | 5 | 3.4 | NPPES [2] |
| Home health | 5 | 3.4 | NPPES [2] |
| Hospice and palliative | 5 | 3.4 | NPPES [2] |
| Telehealth and virtual clinics | 4 | 2.7 | NPPES [2] |
| Audiology and hearing centers | 3 | 2.1 | NPPES [2] |
| Podiatry | 2 | 1.4 | NPPES [2] |
| Dialysis and infusion centers | 2 | 1.4 | NPPES [2] |
| Urgent care | 1 | 0.7 | NPPES [2] |
| ASCs and OBLs | 1 | 0.7 | NPPES [2] |
| SUD treatment and residential | 1 | 0.7 | NPPES [2] |
| Imaging centers | 1 | 0.7 | NPPES [2] |
| Non-medical home care | 1 | 0.7 | NPPES [2] |
| ABA and autism therapy | 1 | 0.7 | NPPES [2] |
| Med spa and aesthetics | 1 | 0.7 | NPPES [2] |
| Medical equipment suppliers | 9 | CMS [4] | |
| Hospice providers | 2 | CMS [4] | |
| Dialysis facilities | 2 | CMS [4] | |
| Home health agencies | 2 | CMS [4] |
Physical, occupational, and speech therapy carries 73 of the 308 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
The lending record behind Jasper
0 healthcare approvals sit in the county file, so an appraiser here works from a short comparable set
| 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 | 53 | Places that write credit locally, NAICS 522 [6] |
Reading Jasper the way a credit committee does
At 211.5 clinicians per 10,000 residents, the catchment radius in a projection has to be defended rather than assumed. Walker County has 0 approvals to compare against, so plan for extra appraisal time and a conservative valuation. Household income of $66,250 in Jasper is the number a lender uses to sanity check the self-pay share of a revenue projection.
Where a file from this town usually lands
- Practice acquisition
- Expansion, relocation, and build-out
- Startup and de novo
- Working capital term loan
- Equipment financing and leasing
Built from what is enumerated here rather than from a national list, so a field with no presence in Jasper does not appear. Availability is still a Alabama question.
What a funder reads first in Jasper
Drawn from the fields that actually practice here: physical, occupational, and speech therapy, primary care and family medicine, specialty physician groups
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| Physical, occupational, and speech therapy (73) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Primary care and family medicine (39) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| Specialty physician groups (30) | Ancillary revenue contribution, Provider productivity, Payer contracts | Ancillary build-out |
NPPES supplies the Jasper counts. The reading columns describe the field in general, and no partner reviewing a Jasper file is bound by them.
How Jasper prices against its neighbors
Comparables travel. These are the Alabama towns whose density, at 211.5 per 10,000 here, gets weighed beside this one.
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Jasper (current) | 14,561 | 308 | 211.5 | |
| Gardendale | 16,444 | 224 | 136.2 | 29 |
| Cullman | 20,239 | 446 | 220.4 | 33 |
| Hueytown | 16,185 | 91 | 56.2 | 34 |
| Center Point | 15,603 | 66 | 42.3 | 36 |
| Bessemer | 25,079 | 304 | 121.2 | 37 |
| Homewood | 27,919 | 227 | 81.3 | 38 |
Distance, income, and the wage floor around Jasper
Distance to Birmingham, AL is 35 miles. That is close enough for rent in Jasper to be compared against the metro and far enough that patient draw is not. At $66,250 median household income, the elective and cash-pay share of a projection is the line that gets tested first. The hospital fixes two inputs a lender would otherwise estimate in a 14,561 resident town: where referrals originate, and what staff cost. Higher education here explains why summer looks unlike the rest of the year. Jasper is the Walker County seat, so county employment steadies the payer mix.
Nearby Alabama towns
- Gardendale 16,444 residents
- Cullman 20,239 residents
- Hueytown 16,185 residents
- Center Point 15,603 residents
- Bessemer 25,079 residents
- Homewood 27,919 residents
Jasper owners, answered
01How many providers practice in Jasper, and in what?
Across 28 fields, Jasper carries 308 enumerated clinicians, 211.5 per 10,000 of the 14,561 people living here. The concentration is in physical, occupational, and speech therapy, 73 of the total, then primary care and family medicine at 39. Count practices from that only with care.
02What does Walker County's shortage designation change?
Designated for primary care, dental, mental health, Walker County qualifies its clinicians for federal repayment support. On a file that turns on adding staff, that is the difference between a hiring assumption and a hiring plan.
03Why does Walker County show so little SBA activity?
Walker 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. 53 lending establishments operate locally.
04How does the hospital in Jasper 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. 6 Medicare-certified providers are located here in total. It also sets the wage floor behind every hire in a 211.5 per 10,000 market.
05Is there local lending capacity in Walker County?
County Business Patterns records 53 credit intermediation establishments in Walker County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Jasper rents and resale before or by somebody working from a screen.
06Is Jasper underwritten as part of Birmingham, AL?
Comparables and demand split at 35 miles. An appraiser prices the lease and the equipment off Birmingham, AL; the revenue line has to hold up against 14,561 local residents.
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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