Alabama micro-market
Healthcare practice financing in Muscle Shoals, Alabama
Direct answer
17,409 residents, 178 enumerated clinicians, 102.2 per 10,000, 31 percent of them in physical, occupational, and speech therapy: that is the Muscle Shoals market a funder prices. Colbert County adds 1 healthcare approvals worth $223,300 and 6 miles of distance to Florence-Muscle Shoals, 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: 17,409 residents (10K-25K band)1
- Healthcare providers registered here: 178 across 24 fields2
- Median household income: $70,9273
- Largest provider field: Physical, occupational, and speech therapy: 55 registered providers2
- Medicare-certified providers in town: 2 across 2 categories4
- Nearest metro: Florence-Muscle Shoals, AL, 6 miles1
What NPPES records at Muscle Shoals addresses
Counted at the town's own addresses: 178 providers, 24 fields, 102.2 clinicians per 10,000 of the 17,409 residents here
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Physical, occupational, and speech therapy | 55 | 31.6 | NPPES [2] |
| Chiropractic | 19 | 10.9 | NPPES [2] |
| Primary care and family medicine | 17 | 9.8 | NPPES [2] |
| Specialty physician groups | 12 | 6.9 | NPPES [2] |
| Independent pharmacy | 9 | 5.2 | NPPES [2] |
| DME and HME suppliers | 8 | 4.6 | NPPES [2] |
| General dentistry | 8 | 4.6 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 8 | 4.6 | NPPES [2] |
| Behavioral and mental health group practices | 7 | 4.0 | NPPES [2] |
| Home health | 6 | 3.4 | NPPES [2] |
| Optometry and ophthalmology | 5 | 2.9 | NPPES [2] |
| Dental specialties | 3 | 1.7 | NPPES [2] |
| Non-medical home care | 3 | 1.7 | NPPES [2] |
| Clinical and toxicology labs | 3 | 1.7 | NPPES [2] |
| Telehealth and virtual clinics | 3 | 1.7 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 3 | 1.7 | NPPES [2] |
| Med spa and aesthetics | 2 | 1.1 | NPPES [2] |
| Podiatry | 1 | 0.6 | NPPES [2] |
| Pain management and interventional | 1 | 0.6 | NPPES [2] |
| NEMT and ambulance | 1 | 0.6 | NPPES [2] |
| Audiology and hearing centers | 1 | 0.6 | NPPES [2] |
| IV hydration and infusion | 1 | 0.6 | NPPES [2] |
| Plastic and cosmetic surgery | 1 | 0.6 | NPPES [2] |
| Dialysis and infusion centers | 1 | 0.6 | NPPES [2] |
| Medical equipment suppliers | 9 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] | |
| Home health agencies | 1 | CMS [4] |
Several of the 55 physical, occupational, and speech therapy enumerations can belong to one practice, so the column counts clinicians rather than businesses or owners
The lending record behind Muscle Shoals
With 1 healthcare approvals recorded, Colbert County gives a valuation almost nothing local to lean on
| Measure | Published figure | What sits behind it |
|---|---|---|
| Healthcare files approved | 1 | Counted for the fiscal year the SBA publishes [5] |
| Dollars behind them | $223,300 | Everything approved to healthcare borrowers, added up [5] |
| Typical approval size | $223,300 | The dollar column over the approval column [5] |
| Credit offices operating locally | 55 | Places that write credit locally, NAICS 522 [6] |
How this data lands in an underwriting decision
At 102.2 clinicians per 10,000 residents, the catchment radius in a projection has to be defended rather than assumed. A short county record of 1 approvals usually means more documentation and a lower advance against the same collateral. With $70,927 as the median household income, the payer mix in a projection has to match what Muscle Shoals households actually spend.
Programs the Muscle Shoals mix reaches for
- Practice acquisition
- Startup and de novo
- Working capital term loan
- Equipment financing and leasing
- Expansion, relocation, and build-out
The order comes from Muscle Shoals'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.
The first pages of a Muscle Shoals file
What a funder opens first depends on the field. In Muscle Shoals that means physical, occupational, and speech therapy, chiropractic, primary care and family medicine.
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| Physical, occupational, and speech therapy (55) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Chiropractic (19) | Cash plan revenue, Personal injury receivable age, Visit volume | Startup or acquisition |
| Primary care and family medicine (17) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
Column one counts Muscle Shoals clinicians from the federal file. Columns two and three describe how the field is usually underwritten, and a partner can read a Muscle Shoals file differently.
How Muscle Shoals prices against its neighbors
Comparables travel. These are the Alabama towns whose density, at 102.2 per 10,000 here, gets weighed beside this one.
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Muscle Shoals (current) | 17,409 | 178 | 102.2 | |
| Florence | 42,716 | 551 | 129.0 | 6 |
| Russellville | 10,736 | 108 | 100.6 | 17 |
| Decatur | 57,974 | 544 | 93.8 | 38 |
| Athens | 32,587 | 313 | 96.1 | 39 |
| Hartselle | 16,201 | 121 | 74.7 | 45 |
| Madison | 64,029 | 662 | 103.4 | 49 |
What the geography does to a Muscle Shoals projection
Florence-Muscle Shoals, AL lies 6 miles from Muscle Shoals, close enough that appraisers price the lease against Florence-Muscle Shoals, AL rents while 17,409 residents set the revenue ceiling. Households here carry $70,927 in median income, and that ceiling decides how much of a treatment plan gets started rather than deferred. Because a certified hospital sits inside the town, both the referral path and the pay a clinical hire expects are already observable. A college in Muscle Shoals puts a term-shaped curve into monthly collections.
Nearby Alabama towns
Muscle Shoals owners, answered
01How many providers practice in Muscle Shoals, and in what?
Across 24 fields, Muscle Shoals carries 178 enumerated clinicians, 102.2 per 10,000 of the 17,409 people living here. The concentration is in physical, occupational, and speech therapy, 55 of the total, then chiropractic at 19. Count practices from that only with care.
02Why does Colbert County show so little SBA activity?
Colbert 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. 55 lending establishments operate locally.
03Is Muscle Shoals underwritten as part of Florence-Muscle Shoals, AL?
Partly. Florence-Muscle Shoals, AL is 6 miles out, so rent and equipment comparables travel in from there while patients still come from the 17,409 residents around Muscle Shoals. Cost side metro, revenue side local.
04What does Colbert County's shortage designation change?
Designated for primary care, dental, mental health, Colbert 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.
05How does the hospital in Muscle Shoals 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. 2 Medicare-certified providers are located here in total. It also sets the wage floor behind every hire in a 102.2 per 10,000 market.
06How does the college here show up in the numbers?
At least one degree-granting institution is based in Muscle Shoals, which puts a visible academic calendar into collections: term-time volume against summer troughs. Underwriting reads a seasonal swing better when a pro forma names its cause rather than smoothing it out.
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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