Mississippi micro-market
Healthcare practice financing in Pearl, Mississippi
Direct answer
111 healthcare providers hold a Pearl practice address, 39.0 per 10,000 of its 28,458 residents, 18 percent of them in primary care and family medicine. Rankin County recorded 2 SBA healthcare approvals worth $1,400,000, and Jackson, MS sits 8 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: 28,458 residents (25K-50K band)1
- Healthcare providers registered here: 111 across 19 fields2
- Median household income: $54,6433
- Largest provider field: Primary care and family medicine: 20 registered providers2
- Nearest metro: Jackson, MS, 8 miles1
- Higher education: At least one degree-granting institution is based here4
The provider census in Pearl
111 providers across 19 fields, 39.0 per 10,000 residents, counted at Pearl addresses in the NPPES monthly file
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Primary care and family medicine | 20 | 7.0 | NPPES [2] |
| Physical, occupational, and speech therapy | 16 | 5.6 | NPPES [2] |
| General dentistry | 11 | 3.9 | NPPES [2] |
| DME and HME suppliers | 7 | 2.5 | NPPES [2] |
| Optometry and ophthalmology | 7 | 2.5 | NPPES [2] |
| Independent pharmacy | 6 | 2.1 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 6 | 2.1 | NPPES [2] |
| Home health | 5 | 1.8 | NPPES [2] |
| Chiropractic | 5 | 1.8 | NPPES [2] |
| Non-medical home care | 5 | 1.8 | NPPES [2] |
| Behavioral and mental health group practices | 5 | 1.8 | NPPES [2] |
| Specialty physician groups | 4 | 1.4 | NPPES [2] |
| Dental specialties | 3 | 1.1 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 3 | 1.1 | NPPES [2] |
| Urgent care | 2 | 0.7 | NPPES [2] |
| Med spa and aesthetics | 2 | 0.7 | NPPES [2] |
| Telehealth and virtual clinics | 2 | 0.7 | NPPES [2] |
| Hospice and palliative | 1 | 0.4 | NPPES [2] |
| Clinical and toxicology labs | 1 | 0.4 | NPPES [2] |
| Medical equipment suppliers | 6 | CMS [5] |
A single Pearl practice can hold more than one of these numbers. 18 percent sit in primary care and family medicine, counted as clinicians rather than as owners.
Loan activity in Rankin County
The county file holds 2 healthcare approvals, which is a thin comparable set for anyone pricing collateral
| Line | Amount | Reading and source |
|---|---|---|
| Healthcare files approved | 2 | Counted for the fiscal year the SBA publishes [6] |
| Dollars behind them | $1,400,000 | Everything approved to healthcare borrowers, added up [6] |
| Typical approval size | $700,000 | The dollar column over the approval column [6] |
| Credit offices operating locally | 119 | Places that write credit locally, NAICS 522 [7] |
Reading Pearl the way a credit committee does
Density of 39.0 per 10,000 sets the patient draw a projection can claim without an argument. A short county record of 2 approvals usually means more documentation and a lower advance against the same collateral. A $54,643 median household income here sets the ceiling on what an elective or cash-pay line can be expected to carry.
Programs the Pearl mix reaches for
- Practice acquisition
- Startup and de novo
- Expansion, relocation, and build-out
- Working capital term loan
- Equipment financing and leasing
The 19 fields practicing locally set this order. A funding partner, not this list, decides what is available in Mississippi.
Underwriting by field in Pearl
What a funder opens first depends on the field. In Pearl that means primary care and family medicine, physical, occupational, and speech therapy, general dentistry.
| Practice type | The pages that decide it | Typical capital event |
|---|---|---|
| Primary care and family medicine (20) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| Physical, occupational, and speech therapy (16) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| General dentistry (11) | Three years of collections history, Hygiene as a share of collections, Overhead ratio and owner add-backs | Acquisition of an established practice |
The first column is Pearl's own NPPES count. The rest is how the field is generally underwritten, whether the address is Pearl or anywhere else.
Pearl against nearby Mississippi markets
Density is the number that moves an appraisal: 39.0 per 10,000 here
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Pearl (current) | 28,458 | 111 | 39.0 | |
| Flowood | 10,853 | 465 | 428.5 | 5 |
| Brandon | 25,870 | 367 | 141.9 | 6 |
| Ridgeland | 24,576 | 712 | 289.7 | 11 |
| Byram | 12,656 | 108 | 85.3 | 13 |
| Madison | 28,210 | 373 | 132.2 | 14 |
| Clinton | 26,617 | 223 | 83.8 | 16 |
What the geography does to a Pearl projection
Jackson, MS lies 8 miles from Pearl, close enough that appraisers price the lease against Jackson, MS rents while 28,458 residents set the revenue ceiling. Households here carry $54,643 in median income, and that ceiling decides how much of a treatment plan gets started rather than deferred. With no hospital in town, a projection has to name where referrals and coverage come from. Higher education here explains why summer looks unlike the rest of the year.
Nearby Mississippi towns
Questions from Pearl
01How many providers practice in Pearl, and in what?
Across 19 fields, Pearl carries 111 enumerated clinicians, 39.0 per 10,000 of the 28,458 people living here. The concentration is in primary care and family medicine, 20 of the total, then physical, occupational, and speech therapy at 16. Count practices from that only with care.
02Why does Rankin County show so little SBA activity?
Rankin 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. 119 lending establishments operate locally.
03Is Pearl underwritten as part of Jackson, MS?
Jackson, MS sits 8 miles away, close enough that appraisers reach into that market for rent and resale comparables while your patient draw stays local. The comparables read Jackson, MS; the 28,458 residents set the ceiling a projection can defend.
04What does Rankin County's shortage designation change?
Rankin County holds a HRSA designation covering primary care, dental, mental health. A pro forma for Pearl can cite it as the reason a vacancy is fillable, which is usually the weakest line in a ramp schedule.
05Is there local lending capacity in Rankin County?
County Business Patterns records 119 credit intermediation establishments in Rankin County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Pearl rents and resale before or by somebody working from a screen.
06What does a $54,643 median income mean for case acceptance?
Median household income in Pearl runs $54,643. 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
- 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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