Mississippi micro-market
Healthcare practice financing in Oxford, Mississippi
Direct answer
Density decides a lot here. Oxford runs 167.9 providers per 10,000 residents, 450 clinicians against 26,801 people, 28 percent of them in physical, occupational, and speech therapy, while Lafayette County lenders have approved 1 healthcare files worth $500,000 and the nearest metro is 58 miles out.
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: 26,801 residents (25K-50K band)1
- Healthcare providers registered here: 450 across 34 fields2
- Median household income: $59,9013
- Largest provider field: Physical, occupational, and speech therapy: 128 registered providers2
- Medicare-certified providers in town: 10 across 4 categories4
- Nearest metro: Memphis, TN-MS-AR, 58 miles1
Oxford clinicians, by field
Counted at the town's own addresses: 450 providers, 34 fields, 167.9 clinicians per 10,000 of the 26,801 residents here
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Physical, occupational, and speech therapy | 128 | 47.8 | NPPES [2] |
| Behavioral and mental health group practices | 40 | 14.9 | NPPES [2] |
| Primary care and family medicine | 38 | 14.2 | NPPES [2] |
| Specialty physician groups | 38 | 14.2 | NPPES [2] |
| DME and HME suppliers | 28 | 10.4 | NPPES [2] |
| Optometry and ophthalmology | 25 | 9.3 | NPPES [2] |
| General dentistry | 21 | 7.8 | NPPES [2] |
| Dental specialties | 18 | 6.7 | NPPES [2] |
| Independent pharmacy | 18 | 6.7 | NPPES [2] |
| Non-medical home care | 10 | 3.7 | NPPES [2] |
| Audiology and hearing centers | 9 | 3.4 | NPPES [2] |
| Telehealth and virtual clinics | 7 | 2.6 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 7 | 2.6 | NPPES [2] |
| Chiropractic | 6 | 2.2 | NPPES [2] |
| Podiatry | 5 | 1.9 | NPPES [2] |
| ASCs and OBLs | 5 | 1.9 | NPPES [2] |
| SUD treatment and residential | 5 | 1.9 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 5 | 1.9 | NPPES [2] |
| Dermatology | 4 | 1.5 | NPPES [2] |
| Urgent care | 4 | 1.5 | NPPES [2] |
| Hospice and palliative | 4 | 1.5 | NPPES [2] |
| NEMT and ambulance | 3 | 1.1 | NPPES [2] |
| ABA and autism therapy | 3 | 1.1 | NPPES [2] |
| Med spa and aesthetics | 3 | 1.1 | NPPES [2] |
| Hormone, TRT, and men's health clinics | 3 | 1.1 | NPPES [2] |
| Dialysis and infusion centers | 3 | 1.1 | NPPES [2] |
| Pain management and interventional | 2 | 0.7 | NPPES [2] |
| Clinical and toxicology labs | 2 | 0.7 | NPPES [2] |
| Home health | 1 | 0.4 | NPPES [2] |
| Sleep centers | 1 | 0.4 | NPPES [2] |
| Imaging centers | 1 | 0.4 | NPPES [2] |
| IV hydration and infusion | 1 | 0.4 | NPPES [2] |
| Plastic and cosmetic surgery | 1 | 0.4 | NPPES [2] |
| Occupational health and drug testing | 1 | 0.4 | NPPES [2] |
| Medical equipment suppliers | 12 | CMS [4] | |
| Ambulatory surgical centers | 4 | CMS [4] | |
| Hospice providers | 3 | CMS [4] | |
| Dialysis facilities | 2 | CMS [4] | |
| Home health agencies | 1 | CMS [4] |
Several of the 128 physical, occupational, and speech therapy enumerations can belong to one practice, so the column counts clinicians rather than businesses or owners
Lafayette County approvals, dollars, and lending establishments
With 1 healthcare approvals recorded, Lafayette County gives a valuation almost nothing local to lean on
| Measure | Published figure | What sits behind it |
|---|---|---|
| Approvals on record | 1 | Counted for the fiscal year the SBA publishes [5] |
| Total approved capital | $500,000 | Everything approved to healthcare borrowers, added up [5] |
| Mean deal size | $500,000 | The dollar column over the approval column [5] |
| Lenders sited in the county | 60 | Places that write credit locally, NAICS 522 [6] |
What the two tables above change about a file
A file from here opens on 167.9 providers per 10,000 residents, and everything about volume follows from it. Lafayette County has 1 approvals to compare against, so plan for extra appraisal time and a conservative valuation. A $59,901 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
- Working capital term loan
- Startup and de novo
- Expansion, relocation, and build-out
- Equipment financing and leasing
Weighted by how often each of the 34 local fields reaches for a program, not by what is easiest to refer. Mississippi rules and the partner decide availability.
The first pages of a Oxford file
What a funder opens first depends on the field. In Oxford that means physical, occupational, and speech therapy, behavioral and mental health group practices, primary care and family medicine.
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| Physical, occupational, and speech therapy (128) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Behavioral and mental health group practices (40) | 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 (38) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
The first column is Oxford's own NPPES count. The rest is how the field is generally underwritten, whether the address is Oxford or anywhere else.
Density beside the neighboring Mississippi towns
Density is the number that moves an appraisal: 167.9 per 10,000 here
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Oxford (current) | 26,801 | 450 | 167.9 | |
| Grenada | 12,138 | 127 | 104.6 | 42 |
| Hernando | 18,542 | 123 | 66.3 | 43 |
| Olive Branch | 47,365 | 246 | 51.9 | 45 |
| Tupelo | 37,775 | 813 | 215.2 | 46 |
| Southaven | 57,493 | 587 | 102.1 | 48 |
| Horn Lake | 26,574 | 65 | 24.5 | 51 |
What the geography does to a Oxford projection
58 miles separate Oxford from Memphis, TN-MS-AR. Rent comparables cross that gap; patients mostly do not. At $59,901 median household income, the elective and cash-pay share of a projection is the line that gets tested first. Hospital coverage inside Oxford means a call schedule can be evidenced rather than described. Oxford is the Lafayette County seat, so county employment steadies the payer mix.
Nearby Mississippi towns
What owners in Oxford ask
01How many providers practice in Oxford, and in what?
450 enumerations sit at Oxford addresses in the monthly NPPES file, working out to 167.9 for every 10,000 residents. 28 percent of them are physical, occupational, and speech therapy, and behavioral and mental health group practices follows with 40. An enumeration is a clinician, so the 450 here cover fewer than 450 practices.
02What does Lafayette County's shortage designation change?
HRSA designates Lafayette County for primary care, dental, mental health. That opens loan repayment programs for clinicians recruited into Oxford and evidences a staffing ramp in a 26,801 resident market.
03Why does Lafayette County show so little SBA activity?
Lafayette County shows 1 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. 60 lending establishments operate locally.
04How does the hospital in Oxford 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. 10 Medicare-certified providers are located here in total. It also sets the wage floor behind every hire in a 167.9 per 10,000 market.
05Which fields carry the volume in Oxford?
Volume concentrates in physical, occupational, and speech therapy, 128 of them, ahead of behavioral and mental health group practices at 40, across 34 fields. A thin second field usually means a longer search for staff than a pro forma allows for.
06Is Oxford underwritten as part of Memphis, TN-MS-AR?
Memphis, TN-MS-AR sits 58 miles away, close enough that appraisers reach into that market for rent and resale comparables while your patient draw stays local. The comparables read Memphis, TN-MS-AR; the 26,801 residents set the ceiling a projection can defend.
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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