Alabama micro-market
Healthcare practice financing in Moody, Alabama
Direct answer
A Moody file is read against 62 local clinicians, 45.6 for every 10,000 of its 13,596 residents, 31 percent of them in physical, occupational, and speech therapy, plus the 1 SBA healthcare approvals worth $150,000 already recorded in St. Clair County, 18 miles from Birmingham, AL.
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- Population: 13,596 residents (10K-25K band)1
- Healthcare providers registered here: 62 across 15 fields2
- Median household income: $86,3893
- Largest provider field: Physical, occupational, and speech therapy: 19 registered providers2
- Nearest metro: Birmingham, AL, 18 miles1
- SBA healthcare approvals in the county: 1 approvals totaling $150,0004
Who is enumerated in Moody
62 providers across 15 fields, 45.6 per 10,000 residents, counted at Moody addresses in the NPPES monthly file
| Practice type | Count | Rate per 10,000 residents | Published by |
|---|---|---|---|
| Physical, occupational, and speech therapy | 19 | 14.0 | NPPES [2] |
| General dentistry | 12 | 8.8 | NPPES [2] |
| Chiropractic | 5 | 3.7 | NPPES [2] |
| Independent pharmacy | 5 | 3.7 | NPPES [2] |
| Primary care and family medicine | 4 | 2.9 | NPPES [2] |
| Optometry and ophthalmology | 4 | 2.9 | NPPES [2] |
| DME and HME suppliers | 2 | 1.5 | NPPES [2] |
| Urgent care | 2 | 1.5 | NPPES [2] |
| Pain management and interventional | 2 | 1.5 | NPPES [2] |
| Med spa and aesthetics | 2 | 1.5 | NPPES [2] |
| Home health | 1 | 0.7 | NPPES [2] |
| Non-medical home care | 1 | 0.7 | NPPES [2] |
| Behavioral and mental health group practices | 1 | 0.7 | NPPES [2] |
| Clinical and toxicology labs | 1 | 0.7 | NPPES [2] |
| Occupational health and drug testing | 1 | 0.7 | NPPES [2] |
| Medical equipment suppliers | 2 | CMS [5] |
Physical, occupational, and speech therapy carries 19 of the 62 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
St. Clair County approvals, dollars, and lending establishments
1 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 | 1 | Counted for the fiscal year the SBA publishes [4] |
| Approved dollars | $150,000 | Everything approved to healthcare borrowers, added up [4] |
| Average approval | $150,000 | The dollar column over the approval column [4] |
| Lending establishments in the county | 58 | Places that write credit locally, NAICS 522 [6] |
Reading Moody the way a credit committee does
At 45.6 clinicians per 10,000 residents, the catchment radius in a projection has to be defended rather than assumed. St. Clair County has 1 approvals to compare against, so plan for extra appraisal time and a conservative valuation. Household income of $86,389 in Moody 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
- Startup and de novo
- Expansion, relocation, and build-out
- Equipment financing and leasing
- Working capital term loan
The order comes from Moody's own provider mix, which physical, occupational, and speech therapy dominates at 31 percent. What a partner can actually place in Alabama is a separate question.
Underwriting by field in Moody
Drawn from the fields that actually practice here: physical, occupational, and speech therapy, general dentistry, chiropractic
| Field | What the file turns on | The capital event behind most requests |
|---|---|---|
| Physical, occupational, and speech therapy (19) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| General dentistry (12) | Three years of collections history, Hygiene as a share of collections, Overhead ratio and owner add-backs | Acquisition of an established practice |
| Chiropractic (5) | Cash plan revenue, Personal injury receivable age, Visit volume | Startup or acquisition |
Local counts come from NPPES. What a file turns on is drawn from how the field is generally reviewed, not from any decision about your practice.
How Moody prices against its neighbors
45.6 per 10,000 is the figure a neighboring town gets compared against when an appraiser prices Moody
| Comparable | People | Enumerations | Per 10,000 residents | Miles |
|---|---|---|---|---|
| Moody (current) | 13,596 | 62 | 45.6 | |
| Trussville | 27,079 | 168 | 62.0 | 5 |
| Leeds | 12,573 | 48 | 38.2 | 6 |
| Irondale | 13,545 | 96 | 70.9 | 10 |
| Center Point | 15,603 | 66 | 42.3 | 11 |
| Mountain Brook | 21,701 | 10 | 4.6 | 16 |
| Vestavia Hills | 38,151 | 194 | 50.9 | 17 |
How Moody sits against the nearest metro
Distance to Birmingham, AL is 18 miles. Appraisers borrow Birmingham, AL rents, and the 13,596 residents set the ceiling on collections. At $86,389 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.
More of Alabama
- Trussville 27,079 residents
- Leeds 12,573 residents
- Irondale 13,545 residents
- Center Point 15,603 residents
- Mountain Brook 21,701 residents
- Vestavia Hills 38,151 residents
Moody owners, answered
01How many providers practice in Moody, and in what?
NPPES lists 62 providers at a Moody practice address, 45.6 per 10,000 residents across 15 tracked fields. Physical, occupational, and speech therapy accounts for 19 of them, 31 percent of the total, with general dentistry next at 12. Read that as clinicians: 62 enumerations, not 62 owners.
02Why does St. Clair County show so little SBA activity?
St. Clair County shows 1 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. 58 lending establishments operate locally.
03Is Moody underwritten as part of Birmingham, AL?
Birmingham, AL sits 18 miles away, close enough that appraisers reach into that market for rent and resale comparables while your patient draw stays local. The comparables read Birmingham, AL; the 13,596 residents set the ceiling a projection can defend.
04What does St. Clair County's shortage designation change?
St. Clair County holds a HRSA designation covering primary care, dental, mental health. A pro forma for Moody can cite it as the reason a vacancy is fillable, which is usually the weakest line in a ramp schedule.
05Is there local lending capacity in St. Clair County?
County Business Patterns records 58 credit intermediation establishments in St. Clair County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Moody rents and resale before or by somebody working from a screen.
06Which fields carry the volume in Moody?
Volume concentrates in physical, occupational, and speech therapy, 19 of them, ahead of general dentistry at 12, across 15 fields. A thin second field usually means a longer search for staff than a pro forma allows for.
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
- 4U.S. Small Business Administration, 7(a) and 504 approvals
- 5CMS Care Compare provider datasets
- 6U.S. Census Bureau, County Business Patterns 2022
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