Kentucky micro-market
Healthcare practice financing in Hopkinsville, Kentucky
Direct answer
Christian County carries 0 SBA healthcare approvals worth $0, and inside Hopkinsville the census shows 357 enumerated clinicians against 30,800 residents, 115.9 per 10,000, 19 percent of them in behavioral and mental health group practices. Clarksville, TN-KY lies 20 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 Kentucky, and how many partners see it, is set out on the Kentucky page.
- Population: 30,800 residents (25K-50K band)1
- Healthcare providers registered here: 357 across 27 fields2
- Median household income: $47,4283
- Largest provider field: Behavioral and mental health group practices: 67 registered providers2
- Medicare-certified providers in town: 6 across 3 categories4
- Nearest metro: Clarksville, TN-KY, 20 miles1
The provider census in Hopkinsville
The NPPES file puts 357 enumerated clinicians inside Hopkinsville, spread over 27 fields at 115.9 per 10,000 residents
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Behavioral and mental health group practices | 67 | 21.8 | NPPES [2] |
| Physical, occupational, and speech therapy | 56 | 18.2 | NPPES [2] |
| Primary care and family medicine | 43 | 14.0 | NPPES [2] |
| Specialty physician groups | 31 | 10.1 | NPPES [2] |
| Chiropractic | 18 | 5.8 | NPPES [2] |
| General dentistry | 18 | 5.8 | NPPES [2] |
| Optometry and ophthalmology | 17 | 5.5 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 14 | 4.5 | NPPES [2] |
| Independent pharmacy | 13 | 4.2 | NPPES [2] |
| DME and HME suppliers | 12 | 3.9 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 9 | 2.9 | NPPES [2] |
| Dental specialties | 7 | 2.3 | NPPES [2] |
| ABA and autism therapy | 7 | 2.3 | NPPES [2] |
| Audiology and hearing centers | 6 | 1.9 | NPPES [2] |
| Non-medical home care | 5 | 1.6 | NPPES [2] |
| Med spa and aesthetics | 5 | 1.6 | NPPES [2] |
| Telehealth and virtual clinics | 5 | 1.6 | NPPES [2] |
| Podiatry | 4 | 1.3 | NPPES [2] |
| Home health | 4 | 1.3 | NPPES [2] |
| Dialysis and infusion centers | 4 | 1.3 | NPPES [2] |
| Dermatology | 3 | 1.0 | NPPES [2] |
| Occupational health and drug testing | 3 | 1.0 | NPPES [2] |
| NEMT and ambulance | 2 | 0.6 | NPPES [2] |
| SUD treatment and residential | 1 | 0.3 | NPPES [2] |
| Imaging centers | 1 | 0.3 | NPPES [2] |
| Hospice and palliative | 1 | 0.3 | NPPES [2] |
| Clinical and toxicology labs | 1 | 0.3 | NPPES [2] |
| Medical equipment suppliers | 11 | CMS [4] | |
| Dialysis facilities | 3 | CMS [4] | |
| Home health agencies | 2 | CMS [4] | |
| Hospice providers | 1 | CMS [4] |
Several of the 67 behavioral and mental health group practices enumerations can belong to one practice, so the column counts clinicians rather than businesses or owners
What Christian County credit files already show
With 0 healthcare approvals recorded, Christian County gives a valuation almost nothing local to lean on
| Measure | Published figure | What sits behind it |
|---|---|---|
| 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 | 46 | Credit intermediation establishments, NAICS 522 [6] |
The consequence of these numbers
At 115.9 clinicians per 10,000 residents, the catchment radius in a projection has to be defended rather than assumed. A short county record of 0 approvals usually means more documentation and a lower advance against the same collateral. With $47,428 as the median household income, the payer mix in a projection has to match what Hopkinsville households actually spend.
The programs this provider mix points at
- Practice acquisition
- Working capital term loan
- Startup and de novo
- Expansion, relocation, and build-out
- Equipment financing and leasing
Weighted by how often each of the 27 local fields reaches for a program, not by what is easiest to refer. Kentucky rules and the partner decide availability.
Underwriting by field in Hopkinsville
behavioral and mental health group practices, physical, occupational, and speech therapy, primary care and family medicine account for most of what is enumerated in Hopkinsville, so those are the files funders see from this town
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| Behavioral and mental health group practices (67) | Clinician retention and productivity, Payer mix and Medicaid concentration, Re-authorization and session limit exposure | Working capital through the credentialing lag |
| Physical, occupational, and speech therapy (56) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Primary care and family medicine (43) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
NPPES supplies the Hopkinsville counts. The reading columns describe the field in general, and no partner reviewing a Hopkinsville file is bound by them.
Density beside the neighboring Kentucky towns
115.9 per 10,000 is the figure a neighboring town gets compared against when an appraiser prices Hopkinsville
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Hopkinsville (current) | 30,800 | 357 | 115.9 | |
| Madisonville | 19,502 | 262 | 134.3 | 35 |
| Murray | 18,567 | 232 | 125.0 | 49 |
| Franklin | 10,524 | 90 | 85.5 | 51 |
| Bowling Green | 79,076 | 1,114 | 140.9 | 58 |
| Owensboro | 60,675 | 910 | 150.0 | 66 |
| Paducah | 26,712 | 900 | 336.9 | 67 |
How Hopkinsville sits against the nearest metro
Distance to Clarksville, TN-KY is 20 miles. Appraisers borrow Clarksville, TN-KY rents, and the 30,800 residents set the ceiling on collections. At $47,428 median household income, the elective and cash-pay share of a projection is the line that gets tested first. Because a certified hospital sits inside the town, both the referral path and the pay a clinical hire expects are already observable. Higher education here explains why summer looks unlike the rest of the year. Hopkinsville is the Christian County seat, so county employment steadies the payer mix.
Other Kentucky markets
- Madisonville 19,502 residents
- Murray 18,567 residents
- Franklin 10,524 residents
- Bowling Green 79,076 residents
- Owensboro 60,675 residents
- Paducah 26,712 residents
Questions from Hopkinsville
01How many providers practice in Hopkinsville, and in what?
357 enumerations sit at Hopkinsville addresses in the monthly NPPES file, working out to 115.9 for every 10,000 residents. 19 percent of them are behavioral and mental health group practices, and physical, occupational, and speech therapy follows with 56. An enumeration is a clinician, so the 357 here cover fewer than 357 practices.
02Why does Christian County show so little SBA activity?
Only 0 healthcare approvals appear for Christian County in the published 7(a) and 504 file. Thin volume in Christian County is a transaction count, not a verdict on borrowers here. The county still holds 46 credit intermediation establishments.
03Is Hopkinsville underwritten as part of Clarksville, TN-KY?
Clarksville, TN-KY sits 20 miles away, close enough that appraisers reach into that market for rent and resale comparables while your patient draw stays local. The comparables read Clarksville, TN-KY; the 30,800 residents set the ceiling a projection can defend.
04What does Christian County's shortage designation change?
Designated for primary care, dental, mental health, Christian 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.
05How does the hospital in Hopkinsville affect a practice file?
Referral flow, coverage, and the local pay scale all trace back to it. The town carries 6 Medicare-certified providers in total. A Hopkinsville projection that names the call arrangement reads better than one that assumes it.
06Which fields carry the volume in Hopkinsville?
Behavioral and mental health group practices at 67 providers and physical, occupational, and speech therapy at 56 lead the 27 fields enumerated here. A funder reads that mix as the local competition set and the local hiring pool at once, before it reads a single line of your own numbers.
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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