Alabama micro-market
Healthcare practice financing in Oxford, Alabama
Direct answer
A Oxford file is read against 150 local clinicians, 67.9 for every 10,000 of its 22,088 residents, 21 percent of them in physical, occupational, and speech therapy, plus the 0 SBA healthcare approvals worth $0 already recorded in Calhoun County, 0 miles from Anniston-Oxford, 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: 22,088 residents (10K-25K band)1
- Healthcare providers registered here: 150 across 24 fields2
- Median household income: $70,0653
- Largest provider field: Physical, occupational, and speech therapy: 31 registered providers2
- Medicare-certified providers in town: 4 across 4 categories4
- Nearest metro: Anniston-Oxford, AL, 0 miles1
Oxford clinicians, by field
The NPPES file puts 150 enumerated clinicians inside Oxford, spread over 24 fields at 67.9 per 10,000 residents
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| Physical, occupational, and speech therapy | 31 | 14.0 | NPPES [2] |
| Primary care and family medicine | 20 | 9.1 | NPPES [2] |
| Chiropractic | 14 | 6.3 | NPPES [2] |
| General dentistry | 11 | 5.0 | NPPES [2] |
| Optometry and ophthalmology | 10 | 4.5 | NPPES [2] |
| Behavioral and mental health group practices | 9 | 4.1 | NPPES [2] |
| DME and HME suppliers | 8 | 3.6 | NPPES [2] |
| Independent pharmacy | 7 | 3.2 | NPPES [2] |
| Dental specialties | 6 | 2.7 | NPPES [2] |
| Specialty physician groups | 6 | 2.7 | NPPES [2] |
| Dermatology | 4 | 1.8 | NPPES [2] |
| Home health | 4 | 1.8 | NPPES [2] |
| Hospice and palliative | 3 | 1.4 | NPPES [2] |
| Telehealth and virtual clinics | 3 | 1.4 | NPPES [2] |
| Imaging centers | 2 | 0.9 | NPPES [2] |
| Med spa and aesthetics | 2 | 0.9 | NPPES [2] |
| Dialysis and infusion centers | 2 | 0.9 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 2 | 0.9 | NPPES [2] |
| ASCs and OBLs | 1 | 0.5 | NPPES [2] |
| SUD treatment and residential | 1 | 0.5 | NPPES [2] |
| NEMT and ambulance | 1 | 0.5 | NPPES [2] |
| Audiology and hearing centers | 1 | 0.5 | NPPES [2] |
| Non-medical home care | 1 | 0.5 | NPPES [2] |
| ABA and autism therapy | 1 | 0.5 | NPPES [2] |
| Medical equipment suppliers | 8 | CMS [4] | |
| Ambulatory surgical centers | 1 | CMS [4] | |
| Hospice providers | 1 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] | |
| Home health agencies | 1 | CMS [4] |
Several of the 31 physical, occupational, and speech therapy enumerations can belong to one practice, so the column counts clinicians rather than businesses or owners
Loan activity in Calhoun County
0 healthcare approvals sit in the county file, so an appraiser here works from a short comparable set
| Measure | Published figure | What sits behind it |
|---|---|---|
| Healthcare files approved | 0 | One published fiscal year, healthcare borrowers only [5] |
| Dollars behind them | $0 | Approved, not disbursed, and not net of withdrawals [5] |
| Typical approval size | No approvals recorded | A mean, so one large approval moves it [5] |
| Credit offices operating locally | 113 | Credit intermediation offices sited in the county [6] |
How this data lands in an underwriting decision
At 67.9 clinicians per 10,000 residents, the catchment radius in a projection has to be defended rather than assumed. A short county record of 0 approvals usually means more documentation and a lower advance against the same collateral. Household income of $70,065 in Oxford is the number a lender uses to sanity check the self-pay share of a revenue projection.
The programs this provider mix points at
- Practice acquisition
- Startup and de novo
- Working capital term loan
- Expansion, relocation, and build-out
- Equipment financing and leasing
The order comes from Oxford's own provider mix, which physical, occupational, and speech therapy dominates at 21 percent. What a partner can actually place in Alabama is a separate question.
What a funder reads first in Oxford
physical, occupational, and speech therapy, primary care and family medicine, chiropractic account for most of what is enumerated in Oxford, 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 (31) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Primary care and family medicine (20) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| Chiropractic (14) | 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 Oxford prices against its neighbors
Set Oxford's 67.9 per 10,000 against the towns an appraiser would reach for next
| Comparable | People | Enumerations | Per 10,000 residents | Miles |
|---|---|---|---|---|
| Oxford (current) | 22,088 | 150 | 67.9 | |
| Anniston | 21,127 | 408 | 193.1 | 6 |
| Jacksonville | 14,651 | 62 | 42.3 | 16 |
| Talladega | 14,693 | 105 | 71.5 | 17 |
| Gadsden | 33,086 | 439 | 132.7 | 30 |
| Moody | 13,596 | 62 | 45.6 | 36 |
| Sylacauga | 12,123 | 135 | 111.4 | 37 |
Distance, income, and the wage floor around Oxford
Anniston-Oxford, AL lies 0 miles from Oxford, close enough that appraisers price the lease against Anniston-Oxford, AL rents while 22,088 residents set the revenue ceiling. Households here carry $70,065 in median income, and that ceiling decides how much of a treatment plan gets started rather than deferred. No hospital operates here, so the referral sources and the call arrangement have to be named rather than assumed.
More of Alabama
Questions from Oxford
01How many providers practice in Oxford, and in what?
150 enumerations sit at Oxford addresses in the monthly NPPES file, working out to 67.9 for every 10,000 residents. 21 percent of them are physical, occupational, and speech therapy, and primary care and family medicine follows with 20. An enumeration is a clinician, so the 150 here cover fewer than 150 practices.
02What does Calhoun County's shortage designation change?
HRSA designates Calhoun County for primary care, dental, mental health. That opens loan repayment programs for clinicians recruited into Oxford and evidences a staffing ramp in a 22,088 resident market.
03Why does Calhoun County show so little SBA activity?
The published file records 0 7(a) and 504 approvals to healthcare borrowers in Calhoun County. That tracks how few Calhoun County practices changed hands that year, not credit quality. 113 credit intermediation establishments operate in Calhoun County, so the lending capacity is local even where the healthcare history is not.
04Is Oxford underwritten as part of Anniston-Oxford, AL?
Partly. Anniston-Oxford, AL is 0 miles out, so rent and equipment comparables travel in from there while patients still come from the 22,088 residents around Oxford. Cost side metro, revenue side local.
05Is 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 Oxford rents and resale before or by somebody working from a screen.
06What does the underserved designation in Calhoun County support?
Calhoun County carries a medically underserved designation. It evidences unmet demand behind a capacity build, and it opens recruitment programs that make a staffing line in a projection easier to defend than local wage data alone would.
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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