Mississippi micro-market
Healthcare practice financing in Biloxi, Mississippi
Direct answer
Harrison County carries 1 SBA healthcare approvals worth $1,123,800, and inside Biloxi the census shows 523 enumerated clinicians against 48,144 residents, 108.6 per 10,000, 21 percent of them in physical, occupational, and speech therapy. Gulfport-Biloxi, MS lies 8 miles away.
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- Population: 48,144 residents (25K-50K band)1
- Healthcare providers registered here: 523 across 32 fields2
- Median household income: $55,9583
- Largest provider field: Physical, occupational, and speech therapy: 109 registered providers2
- Medicare-certified providers in town: 7 across 4 categories4
- Nearest metro: Gulfport-Biloxi, MS, 8 miles1
The clinical base a lender can verify here
108.6 providers per 10,000 residents is what 523 enumerations across 32 fields works out to in a town of 48,144
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Physical, occupational, and speech therapy | 109 | 22.6 | NPPES [2] |
| Specialty physician groups | 69 | 14.3 | NPPES [2] |
| Primary care and family medicine | 66 | 13.7 | NPPES [2] |
| General dentistry | 35 | 7.3 | NPPES [2] |
| Optometry and ophthalmology | 30 | 6.2 | NPPES [2] |
| Behavioral and mental health group practices | 23 | 4.8 | NPPES [2] |
| Dental specialties | 21 | 4.4 | NPPES [2] |
| Independent pharmacy | 19 | 3.9 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 16 | 3.3 | NPPES [2] |
| Chiropractic | 14 | 2.9 | NPPES [2] |
| DME and HME suppliers | 13 | 2.7 | NPPES [2] |
| Audiology and hearing centers | 12 | 2.5 | NPPES [2] |
| Non-medical home care | 12 | 2.5 | NPPES [2] |
| Urgent care | 9 | 1.9 | NPPES [2] |
| Med spa and aesthetics | 9 | 1.9 | NPPES [2] |
| ABA and autism therapy | 8 | 1.7 | NPPES [2] |
| ASCs and OBLs | 7 | 1.5 | NPPES [2] |
| Telehealth and virtual clinics | 7 | 1.5 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 7 | 1.5 | NPPES [2] |
| Home health | 6 | 1.2 | NPPES [2] |
| Hospice and palliative | 6 | 1.2 | NPPES [2] |
| Hormone, TRT, and men's health clinics | 5 | 1.0 | NPPES [2] |
| Plastic and cosmetic surgery | 5 | 1.0 | NPPES [2] |
| Dermatology | 3 | 0.6 | NPPES [2] |
| Occupational health and drug testing | 3 | 0.6 | NPPES [2] |
| SUD treatment and residential | 2 | 0.4 | NPPES [2] |
| Dialysis and infusion centers | 2 | 0.4 | NPPES [2] |
| Podiatry | 1 | 0.2 | NPPES [2] |
| Imaging centers | 1 | 0.2 | NPPES [2] |
| Fertility and IVF | 1 | 0.2 | NPPES [2] |
| IV hydration and infusion | 1 | 0.2 | NPPES [2] |
| Clinical and toxicology labs | 1 | 0.2 | NPPES [2] |
| Medical equipment suppliers | 7 | CMS [4] | |
| Hospice providers | 3 | CMS [4] | |
| Dialysis facilities | 2 | CMS [4] | |
| Ambulatory surgical centers | 1 | CMS [4] | |
| Home health agencies | 1 | CMS [4] |
Physical, occupational, and speech therapy carries 109 of the 523 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
Loan activity in Harrison County
The county file holds 1 healthcare approvals, which is a thin comparable set for anyone pricing collateral
| What it measures | Value | How to read it |
|---|---|---|
| Healthcare files approved | 1 | Fiscal year published in the SBA file [5] |
| Dollars behind them | $1,123,800 | Sum of approvals to healthcare borrowers [5] |
| Typical approval size | $1,123,800 | Dollars divided by approvals [5] |
| Credit offices operating locally | 172 | Credit intermediation establishments, NAICS 522 [6] |
Reading Biloxi the way a credit committee does
A file from here opens on 108.6 providers per 10,000 residents, and everything about volume follows from it. Harrison County has 1 approvals to compare against, so plan for extra appraisal time and a conservative valuation. A $55,958 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
- Expansion, relocation, and build-out
- Startup and de novo
- Working capital term loan
- Equipment financing and leasing
Ranked from the 32 fields that actually practice in Biloxi, weighted toward physical, occupational, and speech therapy. Availability still depends on Mississippi and on the funding partner.
What a funder reads first in Biloxi
What a funder opens first depends on the field. In Biloxi that means physical, occupational, and speech therapy, specialty physician groups, primary care and family medicine.
| Field | What the file turns on | The capital event behind most requests |
|---|---|---|
| Physical, occupational, and speech therapy (109) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Specialty physician groups (69) | Ancillary revenue contribution, Provider productivity, Payer contracts | Ancillary build-out |
| Primary care and family medicine (66) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
NPPES supplies the Biloxi counts. The reading columns describe the field in general, and no partner reviewing a Biloxi file is bound by them.
Biloxi against nearby Mississippi markets
Comparables travel. These are the Mississippi towns whose density, at 108.6 per 10,000 here, gets weighed beside this one.
| Comparable | People | Enumerations | Per 10,000 residents | Miles |
|---|---|---|---|---|
| Biloxi (current) | 48,144 | 523 | 108.6 | |
| Gulfport | 74,621 | 771 | 103.3 | 8 |
| Ocean Springs | 18,954 | 348 | 183.6 | 9 |
| Long Beach | 17,217 | 69 | 40.1 | 14 |
| Gautier | 19,055 | 63 | 33.1 | 17 |
| Pascagoula | 21,476 | 193 | 89.9 | 23 |
| Moss Point | 11,791 | 69 | 58.5 | 24 |
What the geography does to a Biloxi projection
Gulfport-Biloxi, MS lies 8 miles from Biloxi, close enough that appraisers price the lease against Gulfport-Biloxi, MS rents while 48,144 residents set the revenue ceiling. At $55,958 median household income, the elective and cash-pay share of a projection is the line that gets tested first. Hospital coverage inside Biloxi means a call schedule can be evidenced rather than described. Biloxi is the Harrison County seat, so county employment steadies the payer mix.
Other Mississippi markets
- Gulfport 74,621 residents
- Ocean Springs 18,954 residents
- Long Beach 17,217 residents
- Gautier 19,055 residents
- Pascagoula 21,476 residents
- Moss Point 11,791 residents
What owners in Biloxi ask
01How many providers practice in Biloxi, and in what?
523 enumerations sit at Biloxi addresses in the monthly NPPES file, working out to 108.6 for every 10,000 residents. 21 percent of them are physical, occupational, and speech therapy, and specialty physician groups follows with 69. An enumeration is a clinician, so the 523 here cover fewer than 523 practices.
02Which fields carry the volume in Biloxi?
The 32 enumerated fields are led by physical, occupational, and speech therapy at 109, with specialty physician groups at 69 behind it. Those two counts double as the competition you are entering and the bench you would hire from.
03What does Harrison County's shortage designation change?
HRSA designates Harrison County for primary care, dental, mental health. That opens loan repayment programs for clinicians recruited into Biloxi and evidences a staffing ramp in a 48,144 resident market.
04Why does Harrison County show so little SBA activity?
Only 1 healthcare approvals appear for Harrison County in the published 7(a) and 504 file. Thin volume in Harrison County is a transaction count, not a verdict on borrowers here. The county still holds 172 credit intermediation establishments.
05How does the hospital in Biloxi affect a practice file?
Referral flow, coverage, and the local pay scale all trace back to it. The town carries 7 Medicare-certified providers in total. A Biloxi projection that names the call arrangement reads better than one that assumes it.
06Is Biloxi underwritten as part of Gulfport-Biloxi, MS?
Comparables and demand split at 8 miles. An appraiser prices the lease and the equipment off Gulfport-Biloxi, MS; the revenue line has to hold up against 48,144 local residents.
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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