Mississippi micro-market
Healthcare practice financing in Ridgeland, Mississippi
Direct answer
Density decides a lot here. Ridgeland runs 289.7 providers per 10,000 residents, 712 clinicians against 24,576 people, 56 percent of them in physical, occupational, and speech therapy, while Madison County lenders have approved 7 healthcare files worth $1,593,400 and the nearest metro is 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: 24,576 residents (10K-25K band)1
- Healthcare providers registered here: 712 across 28 fields2
- Median household income: $63,4703
- Largest provider field: Physical, occupational, and speech therapy: 399 registered providers2
- Medicare-certified providers in town: 4 across 2 categories4
- Nearest metro: Jackson, MS, 8 miles1
Fields practicing inside Ridgeland
Counted at the town's own addresses: 712 providers, 28 fields, 289.7 clinicians per 10,000 of the 24,576 residents here
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| Physical, occupational, and speech therapy | 399 | 162.4 | NPPES [2] |
| Primary care and family medicine | 39 | 15.9 | NPPES [2] |
| Behavioral and mental health group practices | 31 | 12.6 | NPPES [2] |
| DME and HME suppliers | 26 | 10.6 | NPPES [2] |
| Optometry and ophthalmology | 22 | 9.0 | NPPES [2] |
| Dental specialties | 21 | 8.5 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 21 | 8.5 | NPPES [2] |
| ABA and autism therapy | 20 | 8.1 | NPPES [2] |
| Independent pharmacy | 17 | 6.9 | NPPES [2] |
| Non-medical home care | 16 | 6.5 | NPPES [2] |
| Specialty physician groups | 14 | 5.7 | NPPES [2] |
| General dentistry | 12 | 4.9 | NPPES [2] |
| Chiropractic | 11 | 4.5 | NPPES [2] |
| Home health | 9 | 3.7 | NPPES [2] |
| Dermatology | 7 | 2.8 | NPPES [2] |
| Telehealth and virtual clinics | 7 | 2.8 | NPPES [2] |
| Hospice and palliative | 6 | 2.4 | NPPES [2] |
| Med spa and aesthetics | 5 | 2.0 | NPPES [2] |
| Clinical and toxicology labs | 5 | 2.0 | NPPES [2] |
| Plastic and cosmetic surgery | 5 | 2.0 | NPPES [2] |
| Occupational health and drug testing | 5 | 2.0 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 4 | 1.6 | NPPES [2] |
| Urgent care | 3 | 1.2 | NPPES [2] |
| Podiatry | 2 | 0.8 | NPPES [2] |
| Imaging centers | 2 | 0.8 | NPPES [2] |
| ASCs and OBLs | 1 | 0.4 | NPPES [2] |
| SUD treatment and residential | 1 | 0.4 | NPPES [2] |
| IV hydration and infusion | 1 | 0.4 | NPPES [2] |
| Medical equipment suppliers | 17 | CMS [4] | |
| Hospice providers | 3 | CMS [4] | |
| Home health agencies | 1 | CMS [4] |
Physical, occupational, and speech therapy carries 399 of the 712 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
The lending record behind Ridgeland
7 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 |
|---|---|---|
| SBA healthcare approvals | 7 | One published fiscal year, healthcare borrowers only [5] |
| Approved dollars | $1,593,400 | Approved, not disbursed, and not net of withdrawals [5] |
| Average approval | $227,629 | A mean, so one large approval moves it [5] |
| Lending establishments in the county | 113 | Credit intermediation offices sited in the county [6] |
The consequence of these numbers
Underwriting starts with 289.7 providers per 10,000 residents, because that ratio caps how fast a chair or a room fills. Madison County has 7 approvals to compare against, so plan for extra appraisal time and a conservative valuation. With $63,470 as the median household income, the payer mix in a projection has to match what Ridgeland households actually spend.
The programs this provider mix points at
- Practice acquisition
- Startup and de novo
- Working capital term loan
- Medical receivables factoring
- Equipment financing and leasing
The order comes from Ridgeland's own provider mix, which physical, occupational, and speech therapy dominates at 56 percent. What a partner can actually place in Mississippi is a separate question.
Underwriting by field in Ridgeland
physical, occupational, and speech therapy, primary care and family medicine, behavioral and mental health group practices account for most of what is enumerated in Ridgeland, so those are the files funders see from this town
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| Physical, occupational, and speech therapy (399) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Primary care and family medicine (39) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| Behavioral and mental health group practices (31) | Clinician retention and productivity, Payer mix and Medicaid concentration, Re-authorization and session limit exposure | Working capital through the credentialing lag |
Local counts come from NPPES. What a file turns on is drawn from how the field is generally reviewed, not from any decision about your practice.
How Ridgeland prices against its neighbors
Set Ridgeland's 289.7 per 10,000 against the towns an appraiser would reach for next
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Ridgeland (current) | 24,576 | 712 | 289.7 | |
| Madison | 28,210 | 373 | 132.2 | 4 |
| Flowood | 10,853 | 465 | 428.5 | 8 |
| Pearl | 28,458 | 111 | 39.0 | 11 |
| Clinton | 26,617 | 223 | 83.8 | 12 |
| Brandon | 25,870 | 367 | 141.9 | 14 |
| Canton | 10,777 | 128 | 118.8 | 14 |
How Ridgeland sits against the nearest metro
Distance to Jackson, MS is 8 miles. Appraisers borrow Jackson, MS rents, and the 24,576 residents set the ceiling on collections. At $63,470 median household income, the elective and cash-pay share of a projection is the line that gets tested first. With no hospital in town, a projection has to name where referrals and coverage come from. A degree-granting institution here moves volume on the academic calendar.
Other Mississippi markets
Questions from Ridgeland
01How many providers practice in Ridgeland, and in what?
NPPES lists 712 providers at a Ridgeland practice address, 289.7 per 10,000 residents across 28 tracked fields. Physical, occupational, and speech therapy accounts for 399 of them, 56 percent of the total, with primary care and family medicine next at 39. Read that as clinicians: 712 enumerations, not 712 owners.
02Why does Madison County show so little SBA activity?
The published file records 7 7(a) and 504 approvals to healthcare borrowers in Madison County. That tracks how few Madison County practices changed hands that year, not credit quality. 113 credit intermediation establishments operate in Madison County, so the lending capacity is local even where the healthcare history is not.
03Is Ridgeland underwritten as part of Jackson, MS?
Comparables and demand split at 8 miles. An appraiser prices the lease and the equipment off Jackson, MS; the revenue line has to hold up against 24,576 local residents.
04What does Madison County's shortage designation change?
Designated for primary care, dental, mental health, Madison 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.
05What does a $63,470 median income mean for case acceptance?
Median household income in Ridgeland runs $63,470. 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.
06Which fields carry the volume in Ridgeland?
The 28 enumerated fields are led by physical, occupational, and speech therapy at 399, with primary care and family medicine at 39 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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