Mississippi micro-market
Healthcare practice financing in Cleveland, Mississippi
Direct answer
Bolivar County carries 2 SBA healthcare approvals worth $1,010,000, and inside Cleveland the census shows 177 enumerated clinicians against 10,183 residents, 173.8 per 10,000, 27 percent of them in physical, occupational, and speech therapy. Jackson, MS lies 103 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 Mississippi, and how many partners see it, is set out on the Mississippi page.
- Population: 10,183 residents (10K-25K band)1
- Healthcare providers registered here: 177 across 23 fields2
- Median household income: $43,5193
- Largest provider field: Physical, occupational, and speech therapy: 47 registered providers2
- Medicare-certified providers in town: 5 across 3 categories4
- Nearest metro: Jackson, MS, 103 miles1
The clinical base a lender can verify here
The NPPES file puts 177 enumerated clinicians inside Cleveland, spread over 23 fields at 173.8 per 10,000 residents
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Physical, occupational, and speech therapy | 47 | 46.2 | NPPES [2] |
| Primary care and family medicine | 23 | 22.6 | NPPES [2] |
| Hospice and palliative | 13 | 12.8 | NPPES [2] |
| Optometry and ophthalmology | 11 | 10.8 | NPPES [2] |
| Chiropractic | 10 | 9.8 | NPPES [2] |
| General dentistry | 10 | 9.8 | NPPES [2] |
| DME and HME suppliers | 9 | 8.8 | NPPES [2] |
| Independent pharmacy | 9 | 8.8 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 9 | 8.8 | NPPES [2] |
| Home health | 6 | 5.9 | NPPES [2] |
| Non-medical home care | 6 | 5.9 | NPPES [2] |
| Specialty physician groups | 5 | 4.9 | NPPES [2] |
| Dental specialties | 4 | 3.9 | NPPES [2] |
| Behavioral and mental health group practices | 3 | 2.9 | NPPES [2] |
| Telehealth and virtual clinics | 3 | 2.9 | NPPES [2] |
| Urgent care | 2 | 2.0 | NPPES [2] |
| Podiatry | 1 | 1.0 | NPPES [2] |
| ASCs and OBLs | 1 | 1.0 | NPPES [2] |
| Sleep centers | 1 | 1.0 | NPPES [2] |
| Imaging centers | 1 | 1.0 | NPPES [2] |
| NEMT and ambulance | 1 | 1.0 | NPPES [2] |
| Clinical and toxicology labs | 1 | 1.0 | NPPES [2] |
| Dialysis and infusion centers | 1 | 1.0 | NPPES [2] |
| Medical equipment suppliers | 7 | CMS [4] | |
| Hospice providers | 2 | CMS [4] | |
| Home health agencies | 2 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] |
Several of the 47 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 Bolivar County
The county file holds 2 healthcare approvals, which is a thin comparable set for anyone pricing collateral
| Measure | Published figure | What sits behind it |
|---|---|---|
| SBA healthcare approvals | 2 | Counted for the fiscal year the SBA publishes [5] |
| Approved dollars | $1,010,000 | Everything approved to healthcare borrowers, added up [5] |
| Average approval | $505,000 | The dollar column over the approval column [5] |
| Lending establishments in the county | 36 | Places that write credit locally, NAICS 522 [6] |
Reading Cleveland the way a credit committee does
A file from here opens on 173.8 providers per 10,000 residents, and everything about volume follows from it. A short county record of 2 approvals usually means more documentation and a lower advance against the same collateral. A $43,519 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
- Medical receivables factoring
The order comes from Cleveland's own provider mix, which physical, occupational, and speech therapy dominates at 27 percent. What a partner can actually place in Mississippi is a separate question.
The first pages of a Cleveland file
What a funder opens first depends on the field. In Cleveland that means physical, occupational, and speech therapy, primary care and family medicine, hospice and palliative.
| Practice type | The pages that decide it | Typical capital event |
|---|---|---|
| Physical, occupational, and speech therapy (47) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Primary care and family medicine (23) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| Hospice and palliative (13) | Census stability, Cap exposure, Certification status | Working capital through the certification ramp |
Counts in the first column are Cleveland providers from NPPES. The other two columns describe how funders read that field across markets like Cleveland, not what any funder will do with your file.
Density beside the neighboring Mississippi towns
Density is the number that moves an appraisal: 173.8 per 10,000 here
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Cleveland (current) | 10,183 | 177 | 173.8 | |
| Greenville | 27,015 | 256 | 94.8 | 31 |
| Clarksdale | 13,861 | 136 | 98.1 | 32 |
| Greenwood | 13,627 | 167 | 122.6 | 34 |
| Grenada | 12,138 | 127 | 104.6 | 53 |
| Oxford | 26,801 | 450 | 167.9 | 80 |
| Hernando | 18,542 | 123 | 66.3 | 87 |
Distance, income, and the wage floor around Cleveland
Distance to Jackson, MS is 103 miles. Resale for used clinical equipment is effectively absent, which is why collateral gets marked down. At $43,519 median household income, the elective and cash-pay share of a projection is the line that gets tested first. Hospital coverage inside Cleveland means a call schedule can be evidenced rather than described. Campus terms, not calendar quarters, set the busy months in Cleveland. Cleveland is the Bolivar County seat, so county employment steadies the payer mix.
Nearby Mississippi towns
- Greenville 27,015 residents
- Clarksdale 13,861 residents
- Greenwood 13,627 residents
- Grenada 12,138 residents
- Oxford 26,801 residents
- Hernando 18,542 residents
Cleveland owners, answered
01How many providers practice in Cleveland, and in what?
177 enumerations sit at Cleveland addresses in the monthly NPPES file, working out to 173.8 for every 10,000 residents. 27 percent of them are physical, occupational, and speech therapy, and primary care and family medicine follows with 23. An enumeration is a clinician, so the 177 here cover fewer than 177 practices.
02Does being 103 miles out change the underwriting?
Distance does the work here. 103 miles out, Bolivar 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.
03What does Bolivar County's shortage designation change?
Designated for primary care, dental, mental health, Bolivar 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.
04Why does Bolivar County show so little SBA activity?
Bolivar County shows 2 approvals in the SBA healthcare file, which means an appraiser reaches outside the county for comparables. Few sales, not weak credit, is the usual reason. 36 lending establishments operate locally.
05How does the hospital in Cleveland affect a practice file?
A Medicare-certified hospital operates in the town, which gives referral flow, a call schedule, and a clinical labor pool a funder can verify. 5 Medicare-certified providers are located here in total. It also sets the wage floor behind every hire in a 173.8 per 10,000 market.
06What does a $43,519 median income mean for case acceptance?
Median household income in Cleveland runs $43,519. 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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