Kentucky micro-market
Healthcare practice financing in Paris, Kentucky
Direct answer
10,185 residents, 122 enumerated clinicians, 119.8 per 10,000, 31 percent of them in physical, occupational, and speech therapy: that is the Paris market a funder prices. Bourbon County adds 0 healthcare approvals worth $0 and 15 miles of distance to Lexington-Fayette, KY.
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: 10,185 residents (10K-25K band)1
- Healthcare providers registered here: 122 across 20 fields2
- Median household income: $49,4643
- Largest provider field: Physical, occupational, and speech therapy: 38 registered providers2
- Medicare-certified providers in town: 1 across 1 categories4
- Nearest metro: Lexington-Fayette, KY, 15 miles1
The provider census in Paris
119.8 providers per 10,000 residents is what 122 enumerations across 20 fields works out to in a town of 10,185
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Physical, occupational, and speech therapy | 38 | 37.3 | NPPES [2] |
| Primary care and family medicine | 22 | 21.6 | NPPES [2] |
| General dentistry | 19 | 18.7 | NPPES [2] |
| Chiropractic | 6 | 5.9 | NPPES [2] |
| Independent pharmacy | 6 | 5.9 | NPPES [2] |
| Specialty physician groups | 5 | 4.9 | NPPES [2] |
| Optometry and ophthalmology | 5 | 4.9 | NPPES [2] |
| Behavioral and mental health group practices | 5 | 4.9 | NPPES [2] |
| Clinical and toxicology labs | 3 | 2.9 | NPPES [2] |
| DME and HME suppliers | 2 | 2.0 | NPPES [2] |
| SUD treatment and residential | 2 | 2.0 | NPPES [2] |
| Dental specialties | 1 | 1.0 | NPPES [2] |
| NEMT and ambulance | 1 | 1.0 | NPPES [2] |
| Audiology and hearing centers | 1 | 1.0 | NPPES [2] |
| Non-medical home care | 1 | 1.0 | NPPES [2] |
| ABA and autism therapy | 1 | 1.0 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 1 | 1.0 | NPPES [2] |
| Dialysis and infusion centers | 1 | 1.0 | NPPES [2] |
| Telehealth and virtual clinics | 1 | 1.0 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 1 | 1.0 | NPPES [2] |
| Medical equipment suppliers | 3 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] |
Physical, occupational, and speech therapy carries 38 of the 122 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
Loan activity in Bourbon County
With 0 healthcare approvals recorded, Bourbon County gives a valuation almost nothing local to lean on
| What it measures | Value | How to read it |
|---|---|---|
| Approvals on record | 0 | Fiscal year published in the SBA file [5] |
| Total approved capital | $0 | Sum of approvals to healthcare borrowers [5] |
| Mean deal size | No approvals recorded | Dollars divided by approvals [5] |
| Lenders sited in the county | 11 | Credit intermediation establishments, NAICS 522 [6] |
Reading Paris the way a credit committee does
Underwriting starts with 119.8 providers per 10,000 residents, because that ratio caps how fast a chair or a room fills. Bourbon County has 0 approvals to compare against, so plan for extra appraisal time and a conservative valuation. With $49,464 as the median household income, the payer mix in a projection has to match what Paris households actually spend.
Where a file from this town usually lands
- Practice acquisition
- Startup and de novo
- Expansion, relocation, and build-out
- Working capital term loan
- Equipment financing and leasing
Ranked from the 20 fields that actually practice in Paris, weighted toward physical, occupational, and speech therapy. Availability still depends on Kentucky and on the funding partner.
Underwriting by field in Paris
What a funder opens first depends on the field. In Paris that means physical, occupational, and speech therapy, primary care and family medicine, general dentistry.
| Field | What the file turns on | The capital event behind most requests |
|---|---|---|
| Physical, occupational, and speech therapy (38) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Primary care and family medicine (22) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| General dentistry (19) | 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 Paris clinicians from the federal file. Columns two and three describe how the field is usually underwritten, and a partner can read a Paris file differently.
Density beside the neighboring Kentucky towns
The neighboring markets below are the ones a valuation borrows from when Paris has too few sales of its own
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Paris (current) | 10,185 | 122 | 119.8 | |
| Winchester | 19,413 | 275 | 141.7 | 14 |
| Georgetown | 40,518 | 346 | 85.4 | 15 |
| Nicholasville | 33,458 | 307 | 91.8 | 27 |
| Versailles | 10,656 | 133 | 124.8 | 27 |
| Frankfort | 28,610 | 303 | 105.9 | 32 |
| Richmond | 39,581 | 615 | 155.4 | 33 |
What the geography does to a Paris projection
15 miles separate Paris from Lexington-Fayette, KY. Lease pricing follows Lexington-Fayette, KY, while revenue stays capped by the 10,185 residents here. Median household income runs $49,464, which is the number a funder converts into case acceptance on anything elective or cash-pay. Wages here are anchored by the Medicare-certified hospital in town, which is what a staffing line gets measured against. Paris is the Bourbon County seat, so county employment steadies the payer mix.
Other Kentucky markets
- Winchester 19,413 residents
- Georgetown 40,518 residents
- Nicholasville 33,458 residents
- Versailles 10,656 residents
- Frankfort 28,610 residents
- Richmond 39,581 residents
What owners in Paris ask
01How many providers practice in Paris, and in what?
Across 20 fields, Paris carries 122 enumerated clinicians, 119.8 per 10,000 of the 10,185 people living here. The concentration is in physical, occupational, and speech therapy, 38 of the total, then primary care and family medicine at 22. Count practices from that only with care.
02What does Bourbon County's shortage designation change?
HRSA designates Bourbon County for primary care, dental, mental health. That opens loan repayment programs for clinicians recruited into Paris and evidences a staffing ramp in a 10,185 resident market.
03Why does Bourbon County show so little SBA activity?
Only 0 healthcare approvals appear for Bourbon County in the published 7(a) and 504 file. Thin volume in Bourbon County is a transaction count, not a verdict on borrowers here. The county still holds 11 credit intermediation establishments.
04Is Paris underwritten as part of Lexington-Fayette, KY?
Lexington-Fayette, KY sits 15 miles away, close enough that appraisers reach into that market for rent and resale comparables while your patient draw stays local. The comparables read Lexington-Fayette, KY; the 10,185 residents set the ceiling a projection can defend.
05How does the hospital in Paris affect a practice file?
Referral flow, coverage, and the local pay scale all trace back to it. The town carries 1 Medicare-certified providers in total. A Paris projection that names the call arrangement reads better than one that assumes it.
06What does a $49,464 median income mean for case acceptance?
Median household income in Paris runs $49,464. 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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