Healthcare practice financing in Arkansas

Each row links the Arkansas authority behind it. How a rule lands on one practice is a legal question, and it belongs with a Arkansas lawyer. Verified

Source: SBA 7(a) and 504 approval files, fiscal year 2025. Verified

Lending in Arkansas concentrates in Paron, $2.8 million over 2 approvals at $1.4 million average, with the remaining cities thinner and slower to appraise. Verified

If a Arkansas category is missing, nothing is certified under it. An unloaded row carries no number on purpose, because a placeholder figure would travel further than it should. Directional

Pulaski leads Arkansas with 13 certified providers, ahead of Washington at 4. County concentration sets how much of a Arkansas file rests on the practice itself rather than on nearby closings. Verified

Counted by employer rather than clinician, Arkansas has 6,704 establishments in these fields. Against 55 approvals that is 0.8 per 100, a rough read on how often practices here reach for federally guaranteed debt. Verified

The heaviest county in Arkansas is Pulaski at 1,436 establishments. Establishment counts set how long an acquisition search runs before a letter of intent is signed at all. Verified

The deepest Arkansas occupation on this table is registered nurses: 29,400 employed, $78,940 mean. The gap between planned pay and this mean is the first thing a credit analyst prices into a ramp. Verified

Arkansas carries 1,241 designations across primary care, dental, mental health, Jefferson highest at 79. Designated counties come with recruitment tools, so a hiring plan written around them holds together under a lender's ramp assumptions. Verified

• Pharmacies: $1.2 million on average, 5 approvals, $6.1 million in total. Match $1.2 million and the timeline is ordinary; ask well above it and the Arkansas diligence list lengthens.
• Behavioral health and ABA: average approval $628,938 over 8 closings worth $5.0 million. At $628,938 against $5.0 million of state volume, that is an equipment or fit-out request more often than an acquisition.
• Med spa and personal care: average approval $455,010 over 10 closings worth $4.6 million. At $455,010 against $4.6 million of state volume, that is an equipment or fit-out request more often than an acquisition.
• Physical, occupational, and speech therapy: $3.1 million over 8 approvals in Arkansas, $392,750 each, which sets what a comparable request can be documented against.
• Residential care and treatment: 2 closings, $2.8 million approved, $1.4 million typical. That average is the reference point a Arkansas credit committee starts from on a similar file.
• Dental offices: 4 closings, $1.8 million approved, $442,400 typical. That average is the reference point a Arkansas credit committee starts from on a similar file.
• Chiropractic offices: $390,750 on average, 4 approvals, $1.6 million in total. Match $390,750 and the timeline is ordinary; ask well above it and the Arkansas diligence list lengthens.
• Physician and specialty offices: 5 Arkansas approvals totaling $1.5 million, $298,540 each. With only 5 Arkansas approvals behind $1.5 million, the underwriter reads documents rather than precedent.
• Veterinary practices: average approval $289,833 over 3 closings worth $869,500. At $289,833 against $869,500 of state volume, that is an equipment or fit-out request more often than an acquisition.

• Most of the money approved in Arkansas went to pharmacies, 21 percent of it, at $1.2 million per approval. That average is the yardstick a Arkansas file is measured against before a single term is discussed.
• Behavioral health and ABA follow at 8 approvals and $5.0 million, then med spa and personal care at 10. Where a field shows steady volume, a lender in Arkansas already holds paper on practices like it, and the credit memo has somewhere to point.
• CMS lists 642 medical equipment suppliers in Arkansas. Where the certified base is large, the capital event is usually a purchase; where it is small, it is usually working capital against a payer contract.
• Arkansas records 3 approvals through 504. Real estate deals run longer than working capital deals, and the local count tells an owner whether lenders here are used to closing them.

• 55 SBA approvals to Arkansas healthcare borrowers in FY2025¹
• $29.2 million approved, averaging $530,571 per loan¹
• 913 CMS-certified providers across 5 categories²

• Healthcare AR line and payroll funding
• Partner buy-in, buy-out, and refinance
• Commercial real estate, owner-occupied
• Expansion, relocation, and build-out
• Medical receivables factoring
• SBA 7(a) and 504
• Working capital term loan

• Arkansas State Medical Board, licensure and ownership questions for physicians
• Arkansas State Board of Dental Examiners, licensure and ownership questions for dentists
• No state loan repayment program, small-business lending program, or commercial financing disclosure regulator has been verified for Arkansas from an official source

Also covered in Arkansas: Paragould, Fort Smith, Hot Springs, Malvern, Magnolia, West Memphis, Benton, Maumelle, Jonesboro, Bryant, Texarkana, Van Buren, Cabot, Bella Vista, Farmington, Lowell, Marion, Pea Ridge, Centerton

• All states covered
• Every financing program
• Delaware healthcare practice financing, for a second reading of the same datasets
• Idaho healthcare practice financing, for a side-by-side on rules and loan volume
• Kansas healthcare practice financing, if the practice operates across the line
• Dental labs, including what collections history is asked for
• Dental specialties, with the capital events that field actually runs
• Veterinary, with the capital events that field actually runs
• IV hydration and infusion, and the revenue mix a funder checks first
• Podiatry, read on the terms that field is underwritten on
• Home health, read on the terms that field is underwritten on

1. 1SBA 7(a) and 504 approvals, FY2025
2. 2CMS provider certification files
3. 3NPPES provider registry
4. 4County Business Patterns 2022
5. 5BLS Occupational Employment and Wage Statistics, OEWS 2025
6. 6HRSA health professional shortage area file
7. 7Arkansas corporate practice rules
8. 8Arkansas certificate of need
9. 9Arkansas State Medical Board
10. 10Arkansas State Board of Dental Examiners