Arkansas micro-market
Healthcare practice financing in Cabot, Arkansas
Direct answer
Density decides a lot here. Cabot runs 80.5 providers per 10,000 residents, 222 clinicians against 27,575 people, 40 percent of them in physical, occupational, and speech therapy, while Lonoke County lenders have approved 1 healthcare files worth $444,000 and the nearest metro is 26 miles out.
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- Population: 27,575 residents (25K-50K band)1
- Healthcare providers registered here: 222 across 18 fields2
- Median household income: $72,6563
- Largest provider field: Physical, occupational, and speech therapy: 88 registered providers2
- Nearest metro: Little Rock-North Little Rock-Conway, AR, 26 miles1
- SBA healthcare approvals in the county: 1 approvals totaling $444,0004
Fields practicing inside Cabot
The NPPES file puts 222 enumerated clinicians inside Cabot, spread over 18 fields at 80.5 per 10,000 residents
| Practice type | Count | Rate per 10,000 residents | Published by |
|---|---|---|---|
| Physical, occupational, and speech therapy | 88 | 31.9 | NPPES [2] |
| Primary care and family medicine | 23 | 8.3 | NPPES [2] |
| General dentistry | 18 | 6.5 | NPPES [2] |
| Optometry and ophthalmology | 15 | 5.4 | NPPES [2] |
| Chiropractic | 14 | 5.1 | NPPES [2] |
| Independent pharmacy | 11 | 4.0 | NPPES [2] |
| Behavioral and mental health group practices | 11 | 4.0 | NPPES [2] |
| DME and HME suppliers | 9 | 3.3 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 8 | 2.9 | NPPES [2] |
| ABA and autism therapy | 7 | 2.5 | NPPES [2] |
| Dental specialties | 5 | 1.8 | NPPES [2] |
| Specialty physician groups | 5 | 1.8 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 3 | 1.1 | NPPES [2] |
| Podiatry | 1 | 0.4 | NPPES [2] |
| Urgent care | 1 | 0.4 | NPPES [2] |
| Imaging centers | 1 | 0.4 | NPPES [2] |
| Telehealth and virtual clinics | 1 | 0.4 | NPPES [2] |
| Occupational health and drug testing | 1 | 0.4 | NPPES [2] |
| Medical equipment suppliers | 5 | CMS [5] |
Physical, occupational, and speech therapy carries 88 of the 222 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
Lonoke County approvals, dollars, and lending establishments
1 healthcare approvals sit in the county file, so an appraiser here works from a short comparable set
| Line | Amount | Reading and source |
|---|---|---|
| Approvals on record | 1 | One published fiscal year, healthcare borrowers only [4] |
| Total approved capital | $444,000 | Approved, not disbursed, and not net of withdrawals [4] |
| Mean deal size | $444,000 | A mean, so one large approval moves it [4] |
| Lenders sited in the county | 43 | Credit intermediation offices sited in the county [6] |
The consequence of these numbers
Underwriting starts with 80.5 providers per 10,000 residents, because that ratio caps how fast a chair or a room fills. With 1 approvals on record in Lonoke County, expect a longer appraisal and a wider collateral discount. With $72,656 as the median household income, the payer mix in a projection has to match what Cabot households actually spend.
Where a file from this town usually lands
- Practice acquisition
- Startup and de novo
- Working capital term loan
- Expansion, relocation, and build-out
- Equipment financing and leasing
Ranked from the 18 fields that actually practice in Cabot, weighted toward physical, occupational, and speech therapy. Availability still depends on Arkansas and on the funding partner.
What a funder reads first in Cabot
Drawn from the fields that actually practice here: physical, occupational, and speech therapy, primary care and family medicine, general dentistry
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| Physical, occupational, and speech therapy (88) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Primary care and family medicine (23) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| General dentistry (18) | Three years of collections history, Hygiene as a share of collections, Overhead ratio and owner add-backs | Acquisition of an established practice |
Column one counts Cabot clinicians from the federal file. Columns two and three describe how the field is usually underwritten, and a partner can read a Cabot file differently.
How Cabot prices against its neighbors
Comparables travel. These are the Arkansas towns whose density, at 80.5 per 10,000 here, gets weighed beside this one.
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Cabot (current) | 27,575 | 222 | 80.5 | |
| Jacksonville | 29,129 | 241 | 82.7 | 9 |
| Sherwood | 33,281 | 256 | 76.9 | 13 |
| Maumelle | 19,541 | 127 | 65.0 | 23 |
| Searcy | 23,997 | 511 | 212.9 | 25 |
| Bryant | 22,271 | 269 | 120.8 | 36 |
| Benton | 38,088 | 444 | 116.6 | 41 |
What the geography does to a Cabot projection
26 miles separate Cabot from Little Rock-North Little Rock-Conway, AR. Rent comparables cross that gap; patients mostly do not. Median household income runs $72,656, 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.
More of Arkansas
Questions from Cabot
01How many providers practice in Cabot, and in what?
Across 18 fields, Cabot carries 222 enumerated clinicians, 80.5 per 10,000 of the 27,575 people living here. The concentration is in physical, occupational, and speech therapy, 88 of the total, then primary care and family medicine at 23. Count practices from that only with care.
02Why does Lonoke County show so little SBA activity?
The published file records 1 7(a) and 504 approvals to healthcare borrowers in Lonoke County. That tracks how few Lonoke County practices changed hands that year, not credit quality. 43 credit intermediation establishments operate in Lonoke County, so the lending capacity is local even where the healthcare history is not.
03What does Lonoke County's shortage designation change?
Designated for primary care, dental, mental health, Lonoke 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.
04Is there local lending capacity in Lonoke County?
County Business Patterns records 43 credit intermediation establishments in Lonoke County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Cabot rents and resale before or by somebody working from a screen.
05Which fields carry the volume in Cabot?
Volume concentrates in physical, occupational, and speech therapy, 88 of them, ahead of primary care and family medicine at 23, across 18 fields. A thin second field usually means a longer search for staff than a pro forma allows for.
06Is Cabot underwritten as part of Little Rock-North Little Rock-Conway, AR?
Partly. Little Rock-North Little Rock-Conway, AR is 26 miles out, so rent and equipment comparables travel in from there while patients still come from the 27,575 residents around Cabot. Cost side metro, revenue side local.
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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