Mississippi micro-market
Healthcare practice financing in Laurel, Mississippi
Direct answer
Jones County carries 1 SBA healthcare approvals worth $350,000, and inside Laurel the census shows 330 enumerated clinicians against 17,508 residents, 188.5 per 10,000, 21 percent of them in physical, occupational, and speech therapy. Hattiesburg, MS lies 28 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: 17,508 residents (10K-25K band)1
- Healthcare providers registered here: 330 across 28 fields2
- Median household income: $37,7813
- Largest provider field: Physical, occupational, and speech therapy: 69 registered providers2
- Medicare-certified providers in town: 7 across 4 categories4
- Nearest metro: Hattiesburg, MS, 28 miles1
What NPPES records at Laurel addresses
The NPPES file puts 330 enumerated clinicians inside Laurel, spread over 28 fields at 188.5 per 10,000 residents
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| Physical, occupational, and speech therapy | 69 | 39.4 | NPPES [2] |
| Behavioral and mental health group practices | 50 | 28.6 | NPPES [2] |
| Primary care and family medicine | 40 | 22.8 | NPPES [2] |
| General dentistry | 26 | 14.9 | NPPES [2] |
| Specialty physician groups | 24 | 13.7 | NPPES [2] |
| Optometry and ophthalmology | 17 | 9.7 | NPPES [2] |
| DME and HME suppliers | 14 | 8.0 | NPPES [2] |
| Independent pharmacy | 11 | 6.3 | NPPES [2] |
| Non-medical home care | 11 | 6.3 | NPPES [2] |
| Dental specialties | 10 | 5.7 | NPPES [2] |
| Home health | 8 | 4.6 | NPPES [2] |
| Hospice and palliative | 7 | 4.0 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 6 | 3.4 | NPPES [2] |
| Chiropractic | 5 | 2.9 | NPPES [2] |
| Dermatology | 4 | 2.3 | NPPES [2] |
| Pain management and interventional | 3 | 1.7 | NPPES [2] |
| NEMT and ambulance | 3 | 1.7 | NPPES [2] |
| Med spa and aesthetics | 3 | 1.7 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 3 | 1.7 | NPPES [2] |
| Telehealth and virtual clinics | 3 | 1.7 | NPPES [2] |
| Podiatry | 2 | 1.1 | NPPES [2] |
| Urgent care | 2 | 1.1 | NPPES [2] |
| ASCs and OBLs | 2 | 1.1 | NPPES [2] |
| Audiology and hearing centers | 2 | 1.1 | NPPES [2] |
| Hormone, TRT, and men's health clinics | 2 | 1.1 | NPPES [2] |
| Clinical and toxicology labs | 1 | 0.6 | NPPES [2] |
| Plastic and cosmetic surgery | 1 | 0.6 | NPPES [2] |
| Dialysis and infusion centers | 1 | 0.6 | NPPES [2] |
| Medical equipment suppliers | 11 | CMS [4] | |
| Ambulatory surgical centers | 2 | CMS [4] | |
| Hospice providers | 2 | CMS [4] | |
| Home health agencies | 2 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] |
Physical, occupational, and speech therapy carries 69 of the 330 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
What lenders have already approved in Jones County
1 healthcare approvals sit in the county file, so an appraiser here works from a short comparable set
| What it measures | Value | How to read it |
|---|---|---|
| Healthcare files approved | 1 | Fiscal year published in the SBA file [5] |
| Dollars behind them | $350,000 | Sum of approvals to healthcare borrowers [5] |
| Typical approval size | $350,000 | Dollars divided by approvals [5] |
| Credit offices operating locally | 53 | Credit intermediation establishments, NAICS 522 [6] |
Reading Laurel the way a credit committee does
Density of 188.5 per 10,000 sets the patient draw a projection can claim without an argument. With 1 approvals on record in Jones County, expect a longer appraisal and a wider collateral discount. Household income of $37,781 in Laurel is the number a lender uses to sanity check the self-pay share of a revenue projection.
Where a file from this town usually lands
- Practice acquisition
- Startup and de novo
- Working capital term loan
- Expansion, relocation, and build-out
- Equipment financing and leasing
Built from what is enumerated here rather than from a national list, so a field with no presence in Laurel does not appear. Availability is still a Mississippi question.
The first pages of a Laurel file
physical, occupational, and speech therapy, behavioral and mental health group practices, primary care and family medicine account for most of what is enumerated in Laurel, so those are the files funders see from this town
| Practice type | The pages that decide it | Typical capital event |
|---|---|---|
| Physical, occupational, and speech therapy (69) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Behavioral and mental health group practices (50) | Clinician retention and productivity, Payer mix and Medicaid concentration, Re-authorization and session limit exposure | Working capital through the credentialing lag |
| Primary care and family medicine (40) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
Column one counts Laurel clinicians from the federal file. Columns two and three describe how the field is usually underwritten, and a partner can read a Laurel file differently.
How Laurel prices against its neighbors
The neighboring markets below are the ones a valuation borrows from when Laurel has too few sales of its own
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Laurel (current) | 17,508 | 330 | 188.5 | |
| Petal | 11,538 | 87 | 75.4 | 24 |
| Hattiesburg | 48,522 | 1,086 | 223.8 | 28 |
| Meridian | 33,549 | 566 | 168.7 | 55 |
| Brandon | 25,870 | 367 | 141.9 | 64 |
| Pearl | 28,458 | 111 | 39.0 | 68 |
| Flowood | 10,853 | 465 | 428.5 | 70 |
Distance, income, and the wage floor around Laurel
Hattiesburg, MS lies 28 miles from Laurel, close enough for rent comparables to travel and far enough that patient draw does not. Median household income runs $37,781, which is the number a funder converts into case acceptance on anything elective or cash-pay. A Medicare-certified hospital operates here, so referral flow is verifiable and the clinical wage floor is already set. A college in Laurel puts a term-shaped curve into monthly collections. Laurel is the Jones County seat, so county employment steadies the payer mix.
Other Mississippi markets
Questions from Laurel
01How many providers practice in Laurel, and in what?
330 enumerations sit at Laurel addresses in the monthly NPPES file, working out to 188.5 for every 10,000 residents. 21 percent of them are physical, occupational, and speech therapy, and behavioral and mental health group practices follows with 50. An enumeration is a clinician, so the 330 here cover fewer than 330 practices.
02What does Jones County's shortage designation change?
The primary care, dental, mental health designation HRSA carries on Jones County is a recruiting instrument: it puts repayment incentives in front of candidates, which is how a hiring plan for 17,508 residents gets past the question of who would take the job.
03Why does Jones County show so little SBA activity?
Only 1 healthcare approvals appear for Jones County in the published 7(a) and 504 file. Thin volume in Jones County is a transaction count, not a verdict on borrowers here. The county still holds 53 credit intermediation establishments.
04Is Laurel underwritten as part of Hattiesburg, MS?
Comparables and demand split at 28 miles. An appraiser prices the lease and the equipment off Hattiesburg, MS; the revenue line has to hold up against 17,508 local residents.
05How does the hospital in Laurel 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 Laurel projection that names the call arrangement reads better than one that assumes it.
06Which fields carry the volume in Laurel?
The 28 enumerated fields are led by physical, occupational, and speech therapy at 69, with behavioral and mental health group practices at 50 behind it. Those two counts double as the competition you are entering and the bench you would hire from.
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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