Arkansas micro-market
Healthcare practice financing in Lowell, Arkansas
Direct answer
Benton County carries 4 SBA healthcare approvals worth $2,137,000, and inside Lowell the census shows 92 enumerated clinicians against 11,568 residents, 79.5 per 10,000, 35 percent of them in physical, occupational, and speech therapy. Fayetteville-Springdale-Rogers, AR lies 13 miles away.
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 Arkansas, and how many partners see it, is set out on the Arkansas page.
- Population: 11,568 residents (10K-25K band)1
- Healthcare providers registered here: 92 across 15 fields2
- Median household income: $92,9863
- Largest provider field: Physical, occupational, and speech therapy: 32 registered providers2
- Nearest metro: Fayetteville-Springdale-Rogers, AR, 13 miles1
- SBA healthcare approvals in the county: 4 approvals totaling $2,137,0004
Who is enumerated in Lowell
92 providers across 15 fields, 79.5 per 10,000 residents, counted at Lowell addresses in the NPPES monthly file
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| Physical, occupational, and speech therapy | 32 | 27.7 | NPPES [2] |
| Primary care and family medicine | 16 | 13.8 | NPPES [2] |
| Chiropractic | 12 | 10.4 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 6 | 5.2 | NPPES [2] |
| Independent pharmacy | 4 | 3.5 | NPPES [2] |
| Non-medical home care | 4 | 3.5 | NPPES [2] |
| Behavioral and mental health group practices | 4 | 3.5 | NPPES [2] |
| Telehealth and virtual clinics | 3 | 2.6 | NPPES [2] |
| DME and HME suppliers | 2 | 1.7 | NPPES [2] |
| General dentistry | 2 | 1.7 | NPPES [2] |
| NEMT and ambulance | 2 | 1.7 | NPPES [2] |
| IV hydration and infusion | 2 | 1.7 | NPPES [2] |
| Home health | 1 | 0.9 | NPPES [2] |
| Dental specialties | 1 | 0.9 | NPPES [2] |
| ABA and autism therapy | 1 | 0.9 | NPPES [2] |
| Medical equipment suppliers | 1 | CMS [5] |
Several of the 32 physical, occupational, and speech therapy enumerations can belong to one practice, so the column counts clinicians rather than businesses or owners
What lenders have already approved in Benton County
The county file holds 4 healthcare approvals, which is a thin comparable set for anyone pricing collateral
| Measure | Published figure | What sits behind it |
|---|---|---|
| SBA healthcare approvals | 4 | One published fiscal year, healthcare borrowers only [4] |
| Approved dollars | $2,137,000 | Approved, not disbursed, and not net of withdrawals [4] |
| Average approval | $534,250 | A mean, so one large approval moves it [4] |
| Lending establishments in the county | 173 | Credit intermediation offices sited in the county [6] |
How this data lands in an underwriting decision
79.5 per 10,000 is the first number a credit analyst converts into a realistic new-patient count. A short county record of 4 approvals usually means more documentation and a lower advance against the same collateral. A $92,986 median household income here sets the ceiling on what an elective or cash-pay line can be expected to carry.
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
Built from what is enumerated here rather than from a national list, so a field with no presence in Lowell does not appear. Availability is still a Arkansas question.
Underwriting by field in Lowell
physical, occupational, and speech therapy, primary care and family medicine, chiropractic account for most of what is enumerated in Lowell, so those are the files funders see from this town
| Field | What the file turns on | The capital event behind most requests |
|---|---|---|
| Physical, occupational, and speech therapy (32) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Primary care and family medicine (16) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| Chiropractic (12) | Cash plan revenue, Personal injury receivable age, Visit volume | Startup or acquisition |
Counts in the first column are Lowell providers from NPPES. The other two columns describe how funders read that field across markets like Lowell, not what any funder will do with your file.
Lowell against nearby Arkansas markets
Comparables travel. These are the Arkansas towns whose density, at 79.5 per 10,000 here, gets weighed beside this one.
| Comparable | People | Enumerations | Per 10,000 residents | Miles |
|---|---|---|---|---|
| Lowell (current) | 11,568 | 92 | 79.5 | |
| Centerton | 25,745 | 61 | 23.7 | 11 |
| Pea Ridge | 10,190 | 26 | 25.5 | 13 |
| Bella Vista | 33,274 | 106 | 31.9 | 16 |
| Farmington | 10,473 | 84 | 80.2 | 16 |
| Siloam Springs | 20,075 | 158 | 78.7 | 22 |
| Van Buren | 24,396 | 223 | 91.4 | 57 |
How Lowell sits against the nearest metro
Distance to Fayetteville-Springdale-Rogers, AR is 13 miles. Appraisers borrow Fayetteville-Springdale-Rogers, AR rents, and the 11,568 residents set the ceiling on collections. Households here carry $92,986 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 Arkansas
- Centerton 25,745 residents
- Pea Ridge 10,190 residents
- Bella Vista 33,274 residents
- Farmington 10,473 residents
- Siloam Springs 20,075 residents
- Van Buren 24,396 residents
What owners in Lowell ask
01How many providers practice in Lowell, and in what?
92 enumerations sit at Lowell addresses in the monthly NPPES file, working out to 79.5 for every 10,000 residents. 35 percent of them are physical, occupational, and speech therapy, and primary care and family medicine follows with 16. An enumeration is a clinician, so the 92 here cover fewer than 92 practices.
02What does Benton County's shortage designation change?
Benton County holds a HRSA designation covering primary care, dental, mental health. A pro forma for Lowell can cite it as the reason a vacancy is fillable, which is usually the weakest line in a ramp schedule.
03Why does Benton County show so little SBA activity?
The published file records 4 7(a) and 504 approvals to healthcare borrowers in Benton County. That tracks how few Benton County practices changed hands that year, not credit quality. 173 credit intermediation establishments operate in Benton County, so the lending capacity is local even where the healthcare history is not.
04Is Lowell underwritten as part of Fayetteville-Springdale-Rogers, AR?
Fayetteville-Springdale-Rogers, AR sits 13 miles away, close enough that appraisers reach into that market for rent and resale comparables while your patient draw stays local. The comparables read Fayetteville-Springdale-Rogers, AR; the 11,568 residents set the ceiling a projection can defend.
05Is there local lending capacity in Benton County?
County Business Patterns records 173 credit intermediation establishments in Benton County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Lowell rents and resale before or by somebody working from a screen.
06What does the underserved designation in Benton County support?
Benton 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
- 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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