Kansas micro-market
Healthcare practice financing in Liberal, Kansas
Direct answer
19,184 residents, 100 enumerated clinicians, 52.1 per 10,000, 11 percent of them in primary care and family medicine: that is the Liberal market a funder prices. Seward County adds 0 healthcare approvals worth $0 and 137 miles of distance to Amarillo, TX.
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 Kansas, and how many partners see it, is set out on the Kansas page.
- Population: 19,184 residents (10K-25K band)1
- Healthcare providers registered here: 100 across 25 fields2
- Median household income: $61,8753
- Largest provider field: Primary care and family medicine: 11 registered providers2
- Medicare-certified providers in town: 2 across 2 categories4
- Nearest metro: Amarillo, TX, 137 miles1
Who is enumerated in Liberal
Counted at the town's own addresses: 100 providers, 25 fields, 52.1 clinicians per 10,000 of the 19,184 residents here
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Primary care and family medicine | 11 | 5.7 | NPPES [2] |
| Chiropractic | 10 | 5.2 | NPPES [2] |
| Physical, occupational, and speech therapy | 10 | 5.2 | NPPES [2] |
| Optometry and ophthalmology | 9 | 4.7 | NPPES [2] |
| Specialty physician groups | 8 | 4.2 | NPPES [2] |
| DME and HME suppliers | 7 | 3.6 | NPPES [2] |
| General dentistry | 7 | 3.6 | NPPES [2] |
| Home health | 5 | 2.6 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 5 | 2.6 | NPPES [2] |
| NEMT and ambulance | 4 | 2.1 | NPPES [2] |
| Independent pharmacy | 3 | 1.6 | NPPES [2] |
| Telehealth and virtual clinics | 3 | 1.6 | NPPES [2] |
| Dermatology | 2 | 1.0 | NPPES [2] |
| Hospice and palliative | 2 | 1.0 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 2 | 1.0 | NPPES [2] |
| Clinical and toxicology labs | 2 | 1.0 | NPPES [2] |
| Dialysis and infusion centers | 2 | 1.0 | NPPES [2] |
| Urgent care | 1 | 0.5 | NPPES [2] |
| SUD treatment and residential | 1 | 0.5 | NPPES [2] |
| Imaging centers | 1 | 0.5 | NPPES [2] |
| Dental specialties | 1 | 0.5 | NPPES [2] |
| Mobile diagnostics | 1 | 0.5 | NPPES [2] |
| Non-medical home care | 1 | 0.5 | NPPES [2] |
| Hormone, TRT, and men's health clinics | 1 | 0.5 | NPPES [2] |
| Behavioral and mental health group practices | 1 | 0.5 | NPPES [2] |
| Medical equipment suppliers | 6 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] | |
| Home health agencies | 1 | CMS [4] |
A single Liberal practice can hold more than one of these numbers. 11 percent sit in primary care and family medicine, counted as clinicians rather than as owners.
What Seward County credit files already show
The county file holds 0 healthcare approvals, which is a thin comparable set for anyone pricing collateral
| Line | Amount | Reading and source |
|---|---|---|
| SBA healthcare approvals | 0 | Fiscal year published in the SBA file [5] |
| Approved dollars | $0 | Sum of approvals to healthcare borrowers [5] |
| Average approval | No approvals recorded | Dollars divided by approvals [5] |
| Lending establishments in the county | 14 | Credit intermediation establishments, NAICS 522 [6] |
How this data lands in an underwriting decision
Density of 52.1 per 10,000 sets the patient draw a projection can claim without an argument. A short county record of 0 approvals usually means more documentation and a lower advance against the same collateral. Household income of $61,875 in Liberal is the number a lender uses to sanity check the self-pay share of a revenue projection.
Programs the Liberal mix reaches for
- Practice acquisition
- Equipment financing and leasing
- Startup and de novo
- Working capital term loan
- Expansion, relocation, and build-out
The order comes from Liberal's own provider mix, which primary care and family medicine dominates at 11 percent. What a partner can actually place in Kansas is a separate question.
The first pages of a Liberal file
What a funder opens first depends on the field. In Liberal that means primary care and family medicine, chiropractic, physical, occupational, and speech therapy.
| Field | What the file turns on | The capital event behind most requests |
|---|---|---|
| Primary care and family medicine (11) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| Chiropractic (10) | Cash plan revenue, Personal injury receivable age, Visit volume | Startup or acquisition |
| Physical, occupational, and speech therapy (10) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
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.
Liberal against nearby Kansas markets
Comparables travel. These are the Kansas towns whose density, at 52.1 per 10,000 here, gets weighed beside this one.
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Liberal (current) | 19,184 | 100 | 52.1 | |
| Great Bend | 14,306 | 192 | 134.2 | 148 |
| Hays | 21,213 | 256 | 120.7 | 154 |
| Hutchinson | 39,561 | 361 | 91.3 | 180 |
| Haysville | 11,406 | 47 | 41.2 | 200 |
| McPherson | 14,068 | 141 | 100.2 | 202 |
| Derby | 26,604 | 198 | 74.4 | 205 |
How Liberal sits against the nearest metro
Distance to Amarillo, TX is 137 miles. Resale for used clinical equipment is effectively absent, which is why collateral gets marked down. Households here carry $61,875 in median income, and that ceiling decides how much of a treatment plan gets started rather than deferred. A Medicare-certified hospital operates here, so referral flow is verifiable and the clinical wage floor is already set. Campus terms, not calendar quarters, set the busy months in Liberal. Liberal is the Seward County seat, so county employment steadies the payer mix.
Other Kansas markets
- Great Bend 14,306 residents
- Hays 21,213 residents
- Hutchinson 39,561 residents
- Haysville 11,406 residents
- McPherson 14,068 residents
- Derby 26,604 residents
What owners in Liberal ask
01How many providers practice in Liberal, and in what?
NPPES lists 100 providers at a Liberal practice address, 52.1 per 10,000 residents across 25 tracked fields. Primary care and family medicine accounts for 11 of them, 11 percent of the total, with chiropractic next at 10. Read that as clinicians: 100 enumerations, not 100 owners.
02Why does Seward County show so little SBA activity?
Only 0 healthcare approvals appear for Seward County in the published 7(a) and 504 file. Thin volume in Seward County is a transaction count, not a verdict on borrowers here. The county still holds 14 credit intermediation establishments.
03Does being 137 miles out change the underwriting?
Distance does the work here. 137 miles out, Seward County supplies the rent and resale comparables, which usually means a slower appraisal and a harder haircut on anything a funder would have to move to sell.
04What does Seward County's shortage designation change?
Seward County holds a HRSA designation covering primary care, dental, mental health. A pro forma for Liberal can cite it as the reason a vacancy is fillable, which is usually the weakest line in a ramp schedule.
05How does the hospital in Liberal affect a practice file?
Referral flow, coverage, and the local pay scale all trace back to it. The town carries 2 Medicare-certified providers in total. A Liberal projection that names the call arrangement reads better than one that assumes it.
06What does a $61,875 median income mean for case acceptance?
Median household income in Liberal runs $61,875. 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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