Mississippi micro-market
Healthcare practice financing in Horn Lake, Mississippi
Direct answer
Density decides a lot here. Horn Lake runs 24.5 providers per 10,000 residents, 65 clinicians against 26,574 people, 18 percent of them in physical, occupational, and speech therapy, while DeSoto County lenders have approved 4 healthcare files worth $9,795,000 and the nearest metro is 12 miles out.
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- Population: 26,574 residents (25K-50K band)1
- Healthcare providers registered here: 65 across 15 fields2
- Median household income: $56,8473
- Largest provider field: Physical, occupational, and speech therapy: 12 registered providers2
- Nearest metro: Memphis, TN-MS-AR, 12 miles1
- Higher education: At least one degree-granting institution is based here4
What NPPES records at Horn Lake addresses
Counted at the town's own addresses: 65 providers, 15 fields, 24.5 clinicians per 10,000 of the 26,574 residents here
| Practice type | Count | Rate per 10,000 residents | Published by |
|---|---|---|---|
| Physical, occupational, and speech therapy | 12 | 4.5 | NPPES [2] |
| General dentistry | 10 | 3.8 | NPPES [2] |
| Chiropractic | 8 | 3.0 | NPPES [2] |
| Independent pharmacy | 8 | 3.0 | NPPES [2] |
| Primary care and family medicine | 7 | 2.6 | NPPES [2] |
| Behavioral and mental health group practices | 5 | 1.9 | NPPES [2] |
| DME and HME suppliers | 4 | 1.5 | NPPES [2] |
| Dental specialties | 2 | 0.8 | NPPES [2] |
| Non-medical home care | 2 | 0.8 | NPPES [2] |
| Telehealth and virtual clinics | 2 | 0.8 | NPPES [2] |
| Home health | 1 | 0.4 | NPPES [2] |
| ASCs and OBLs | 1 | 0.4 | NPPES [2] |
| ABA and autism therapy | 1 | 0.4 | NPPES [2] |
| Optometry and ophthalmology | 1 | 0.4 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 1 | 0.4 | NPPES [2] |
| Medical equipment suppliers | 6 | CMS [5] |
A single Horn Lake practice can hold more than one of these numbers. 18 percent sit in physical, occupational, and speech therapy, counted as clinicians rather than as owners.
What DeSoto County credit files already show
The county file holds 4 healthcare approvals, which is a thin comparable set for anyone pricing collateral
| Line | Amount | Reading and source |
|---|---|---|
| Approvals on record | 4 | Fiscal year published in the SBA file [6] |
| Total approved capital | $9,795,000 | Sum of approvals to healthcare borrowers [6] |
| Mean deal size | $2,448,750 | Dollars divided by approvals [6] |
| Lenders sited in the county | 142 | Credit intermediation establishments, NAICS 522 [7] |
How this data lands in an underwriting decision
Underwriting starts with 24.5 providers per 10,000 residents, because that ratio caps how fast a chair or a room fills. With 4 approvals on record in DeSoto County, expect a longer appraisal and a wider collateral discount. A $56,847 median household income here sets the ceiling on what an elective or cash-pay line can be expected to carry.
Programs the Horn Lake mix reaches for
- Practice acquisition
- Startup and de novo
- Expansion, relocation, and build-out
- Working capital term loan
- Equipment financing and leasing
Built from what is enumerated here rather than from a national list, so a field with no presence in Horn Lake does not appear. Availability is still a Mississippi question.
What a funder reads first in Horn Lake
Drawn from the fields that actually practice here: physical, occupational, and speech therapy, general dentistry, chiropractic
| Practice type | The pages that decide it | Typical capital event |
|---|---|---|
| Physical, occupational, and speech therapy (12) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| General dentistry (10) | Three years of collections history, Hygiene as a share of collections, Overhead ratio and owner add-backs | Acquisition of an established practice |
| Chiropractic (8) | Cash plan revenue, Personal injury receivable age, Visit volume | Startup or acquisition |
The first column is Horn Lake's own NPPES count. The rest is how the field is generally underwritten, whether the address is Horn Lake or anywhere else.
Density beside the neighboring Mississippi towns
Density is the number that moves an appraisal: 24.5 per 10,000 here
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Horn Lake (current) | 26,574 | 65 | 24.5 | |
| Southaven | 57,493 | 587 | 102.1 | 4 |
| Hernando | 18,542 | 123 | 66.3 | 8 |
| Olive Branch | 47,365 | 246 | 51.9 | 12 |
| Oxford | 26,801 | 450 | 167.9 | 51 |
| Clarksdale | 13,861 | 136 | 98.1 | 60 |
| Grenada | 12,138 | 127 | 104.6 | 82 |
What the geography does to a Horn Lake projection
12 miles separate Horn Lake from Memphis, TN-MS-AR. Lease pricing follows Memphis, TN-MS-AR, while revenue stays capped by the 26,574 residents here. Median household income runs $56,847, which is the number a funder converts into case acceptance on anything elective or cash-pay. No hospital operates here, so the referral sources and the call arrangement have to be named rather than assumed. Campus terms, not calendar quarters, set the busy months in Horn Lake.
Other Mississippi markets
- Southaven 57,493 residents
- Hernando 18,542 residents
- Olive Branch 47,365 residents
- Oxford 26,801 residents
- Clarksdale 13,861 residents
- Grenada 12,138 residents
Questions from Horn Lake
01How many providers practice in Horn Lake, and in what?
65 enumerations sit at Horn Lake addresses in the monthly NPPES file, working out to 24.5 for every 10,000 residents. 18 percent of them are physical, occupational, and speech therapy, and general dentistry follows with 10. An enumeration is a clinician, so the 65 here cover fewer than 65 practices.
02What does DeSoto County's shortage designation change?
Designated for primary care, dental, mental health, DeSoto 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.
03Why does DeSoto County show so little SBA activity?
Only 4 healthcare approvals appear for DeSoto County in the published 7(a) and 504 file. Thin volume in DeSoto County is a transaction count, not a verdict on borrowers here. The county still holds 142 credit intermediation establishments.
04What does a $56,847 median income mean for case acceptance?
Median household income in Horn Lake runs $56,847. 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.
05Is Horn Lake underwritten as part of Memphis, TN-MS-AR?
Comparables and demand split at 12 miles. An appraiser prices the lease and the equipment off Memphis, TN-MS-AR; the revenue line has to hold up against 26,574 local residents.
06Which fields carry the volume in Horn Lake?
Physical, occupational, and speech therapy at 12 providers and general dentistry at 10 lead the 15 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
- 4U.S. Department of Education, IPEDS 2023 institutional directory
- 5CMS Care Compare provider datasets
- 6U.S. Small Business Administration, 7(a) and 504 approvals
- 7U.S. Census Bureau, County Business Patterns 2022
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