Alabama micro-market
Healthcare practice financing in Pike Road, Alabama
Direct answer
Density decides a lot here. Pike Road runs 29.6 providers per 10,000 residents, 34 clinicians against 11,500 people, 26 percent of them in physical, occupational, and speech therapy, while Montgomery County lenders have approved 4 healthcare files worth $1,311,000 and the nearest metro is 10 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: 11,500 residents (10K-25K band)1
- Healthcare providers registered here: 34 across 15 fields2
- Median household income: $121,6873
- Largest provider field: Physical, occupational, and speech therapy: 9 registered providers2
- Nearest metro: Montgomery, AL, 10 miles1
- SBA healthcare approvals in the county: 4 approvals totaling $1,311,0004
Pike Road clinicians, by field
The NPPES file puts 34 enumerated clinicians inside Pike Road, spread over 15 fields at 29.6 per 10,000 residents
| Practice type | Count | Rate per 10,000 residents | Published by |
|---|---|---|---|
| Physical, occupational, and speech therapy | 9 | 7.8 | NPPES [2] |
| Primary care and family medicine | 6 | 5.2 | NPPES [2] |
| Behavioral and mental health group practices | 4 | 3.5 | NPPES [2] |
| Home health | 2 | 1.7 | NPPES [2] |
| General dentistry | 2 | 1.7 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 2 | 1.7 | NPPES [2] |
| DME and HME suppliers | 1 | 0.9 | NPPES [2] |
| NEMT and ambulance | 1 | 0.9 | NPPES [2] |
| Independent pharmacy | 1 | 0.9 | NPPES [2] |
| Non-medical home care | 1 | 0.9 | NPPES [2] |
| ABA and autism therapy | 1 | 0.9 | NPPES [2] |
| Med spa and aesthetics | 1 | 0.9 | NPPES [2] |
| Clinical research sites | 1 | 0.9 | NPPES [2] |
| Clinical and toxicology labs | 1 | 0.9 | NPPES [2] |
| Telehealth and virtual clinics | 1 | 0.9 | NPPES [2] |
| Medical equipment suppliers | 2 | CMS [5] |
A single Pike Road practice can hold more than one of these numbers. 26 percent sit in physical, occupational, and speech therapy, counted as clinicians rather than as owners.
Loan activity in Montgomery County
With 4 healthcare approvals recorded, Montgomery County gives a valuation almost nothing local to lean on
| Line | Amount | Reading and source |
|---|---|---|
| Approvals on record | 4 | Counted for the fiscal year the SBA publishes [4] |
| Total approved capital | $1,311,000 | Everything approved to healthcare borrowers, added up [4] |
| Mean deal size | $327,750 | The dollar column over the approval column [4] |
| Lenders sited in the county | 190 | Places that write credit locally, NAICS 522 [6] |
How this data lands in an underwriting decision
29.6 per 10,000 is the first number a credit analyst converts into a realistic new-patient count. With 4 approvals on record in Montgomery County, expect a longer appraisal and a wider collateral discount. A $121,687 median household income here sets the ceiling on what an elective or cash-pay line can be expected to carry.
Programs the Pike Road mix reaches for
- Practice acquisition
- Working capital term loan
- Startup and de novo
- Expansion, relocation, and build-out
- Medical receivables factoring
The order comes from Pike Road's own provider mix, which physical, occupational, and speech therapy dominates at 26 percent. What a partner can actually place in Alabama is a separate question.
What a funder reads first in Pike Road
Drawn from the fields that actually practice here: physical, occupational, and speech therapy, primary care and family medicine, behavioral and mental health group practices
| Practice type | The pages that decide it | Typical capital event |
|---|---|---|
| Physical, occupational, and speech therapy (9) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Primary care and family medicine (6) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| Behavioral and mental health group practices (4) | Clinician retention and productivity, Payer mix and Medicaid concentration, Re-authorization and session limit exposure | Working capital through the credentialing lag |
Column one counts Pike Road clinicians from the federal file. Columns two and three describe how the field is usually underwritten, and a partner can read a Pike Road file differently.
Density beside the neighboring Alabama towns
29.6 per 10,000 is the figure a neighboring town gets compared against when an appraiser prices Pike Road
| Comparable | People | Enumerations | Per 10,000 residents | Miles |
|---|---|---|---|---|
| Pike Road (current) | 11,500 | 34 | 29.6 | |
| Millbrook | 17,392 | 50 | 28.7 | 22 |
| Prattville | 40,139 | 281 | 70.0 | 23 |
| Troy | 17,734 | 154 | 86.8 | 34 |
| Auburn | 83,757 | 475 | 56.7 | 43 |
| Opelika | 35,005 | 347 | 99.1 | 51 |
| Selma | 16,312 | 159 | 97.5 | 54 |
What the geography does to a Pike Road projection
10 miles separate Pike Road from Montgomery, AL. Lease pricing follows Montgomery, AL, while revenue stays capped by the 11,500 residents here. Median household income runs $121,687, which is the number a funder converts into case acceptance on anything elective or cash-pay. No hospital operates here, so the referral sources and the call arrangement have to be named rather than assumed.
Nearby Alabama towns
What owners in Pike Road ask
01How many providers practice in Pike Road, and in what?
Across 15 fields, Pike Road carries 34 enumerated clinicians, 29.6 per 10,000 of the 11,500 people living here. The concentration is in physical, occupational, and speech therapy, 9 of the total, then primary care and family medicine at 6. Count practices from that only with care.
02Why does Montgomery County show so little SBA activity?
Montgomery County shows 4 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. 190 lending establishments operate locally.
03What does a $121,687 median income mean for case acceptance?
Median household income in Pike Road runs $121,687. 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.
04What does Montgomery County's shortage designation change?
Designated for primary care, dental, mental health, Montgomery 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.
05Is there local lending capacity in Montgomery County?
County Business Patterns records 190 credit intermediation establishments in Montgomery County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Pike Road rents and resale before or by somebody working from a screen.
06Is Pike Road underwritten as part of Montgomery, AL?
Comparables and demand split at 10 miles. An appraiser prices the lease and the equipment off Montgomery, AL; the revenue line has to hold up against 11,500 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
- 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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