Alabama micro-market
Healthcare practice financing in Ozark, Alabama
Direct answer
Density decides a lot here. Ozark runs 103.7 providers per 10,000 residents, 149 clinicians against 14,368 people, 41 percent of them in physical, occupational, and speech therapy, while Dale County lenders have approved 0 healthcare files worth $0 and the nearest metro is 21 miles out.
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: 14,368 residents (10K-25K band)1
- Healthcare providers registered here: 149 across 16 fields2
- Median household income: $46,9513
- Largest provider field: Physical, occupational, and speech therapy: 61 registered providers2
- Medicare-certified providers in town: 3 across 3 categories4
- Nearest metro: Dothan, AL, 21 miles1
The clinical base a lender can verify here
Counted at the town's own addresses: 149 providers, 16 fields, 103.7 clinicians per 10,000 of the 14,368 residents here
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| Physical, occupational, and speech therapy | 61 | 42.5 | NPPES [2] |
| Primary care and family medicine | 18 | 12.5 | NPPES [2] |
| Optometry and ophthalmology | 10 | 7.0 | NPPES [2] |
| ABA and autism therapy | 8 | 5.6 | NPPES [2] |
| Behavioral and mental health group practices | 8 | 5.6 | NPPES [2] |
| General dentistry | 7 | 4.9 | NPPES [2] |
| Independent pharmacy | 7 | 4.9 | NPPES [2] |
| Chiropractic | 6 | 4.2 | NPPES [2] |
| Specialty physician groups | 6 | 4.2 | NPPES [2] |
| DME and HME suppliers | 4 | 2.8 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 4 | 2.8 | NPPES [2] |
| Home health | 3 | 2.1 | NPPES [2] |
| Non-medical home care | 2 | 1.4 | NPPES [2] |
| Hospice and palliative | 2 | 1.4 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 2 | 1.4 | NPPES [2] |
| Dialysis and infusion centers | 1 | 0.7 | NPPES [2] |
| Medical equipment suppliers | 5 | CMS [4] | |
| Hospice providers | 1 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] | |
| Home health agencies | 1 | CMS [4] |
Several of the 61 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 Ozark
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 |
|---|---|---|
| Approvals on record | 0 | One published fiscal year, healthcare borrowers only [5] |
| Total approved capital | $0 | Approved, not disbursed, and not net of withdrawals [5] |
| Mean deal size | No approvals recorded | A mean, so one large approval moves it [5] |
| Lenders sited in the county | 30 | Credit intermediation offices sited in the county [6] |
Reading Ozark the way a credit committee does
A file from here opens on 103.7 providers per 10,000 residents, and everything about volume follows from it. A short county record of 0 approvals usually means more documentation and a lower advance against the same collateral. Household income of $46,951 in Ozark 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
- Medical receivables factoring
Built from what is enumerated here rather than from a national list, so a field with no presence in Ozark does not appear. Availability is still a Alabama question.
Underwriting by field in Ozark
physical, occupational, and speech therapy, primary care and family medicine, optometry and ophthalmology account for most of what is enumerated in Ozark, 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 (61) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Primary care and family medicine (18) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| Optometry and ophthalmology (10) | Exam volume and optical capture, Vision plan mix, Inventory turns | Cold start 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 Ozark prices against its neighbors
Density is the number that moves an appraisal: 103.7 per 10,000 here
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Ozark (current) | 14,368 | 149 | 103.7 | |
| Enterprise | 30,731 | 228 | 74.2 | 15 |
| Dothan | 71,650 | 915 | 127.7 | 21 |
| Troy | 17,734 | 154 | 86.8 | 31 |
| Eufaula | 12,363 | 76 | 61.5 | 43 |
| Pike Road | 11,500 | 34 | 29.6 | 63 |
| Auburn | 83,757 | 475 | 56.7 | 80 |
What the geography does to a Ozark projection
21 miles separate Ozark from Dothan, AL. Lease pricing follows Dothan, AL, while revenue stays capped by the 14,368 residents here. Households here carry $46,951 in median income, and that ceiling decides how much of a treatment plan gets started rather than deferred. The hospital fixes two inputs a lender would otherwise estimate in a 14,368 resident town: where referrals originate, and what staff cost. Ozark is the Dale County seat, so county employment steadies the payer mix.
Other Alabama markets
What owners in Ozark ask
01How many providers practice in Ozark, and in what?
NPPES lists 149 providers at a Ozark practice address, 103.7 per 10,000 residents across 16 tracked fields. Physical, occupational, and speech therapy accounts for 61 of them, 41 percent of the total, with primary care and family medicine next at 18. Read that as clinicians: 149 enumerations, not 149 owners.
02Why does Dale County show so little SBA activity?
The published file records 0 7(a) and 504 approvals to healthcare borrowers in Dale County. That tracks how few Dale County practices changed hands that year, not credit quality. 30 credit intermediation establishments operate in Dale County, so the lending capacity is local even where the healthcare history is not.
03Is Ozark underwritten as part of Dothan, AL?
Partly. Dothan, AL is 21 miles out, so rent and equipment comparables travel in from there while patients still come from the 14,368 residents around Ozark. Cost side metro, revenue side local.
04What does Dale County's shortage designation change?
The primary care, dental, mental health designation HRSA carries on Dale County is a recruiting instrument: it puts repayment incentives in front of candidates, which is how a hiring plan for 14,368 residents gets past the question of who would take the job.
05How does the hospital in Ozark affect a practice file?
It makes the staffing and referral lines checkable. 3 Medicare-certified providers hold Ozark addresses, and the hospital sets the wage a clinical hire is bid against in a 103.7 per 10,000 market.
06What does a $46,951 median income mean for case acceptance?
Median household income in Ozark runs $46,951. 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.
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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