Missouri micro-market
Healthcare practice financing in Bolivar, Missouri
Direct answer
A Bolivar file is read against 174 local clinicians, 150.7 for every 10,000 of its 11,549 residents, 31 percent of them in physical, occupational, and speech therapy, plus the 0 SBA healthcare approvals worth $0 already recorded in Polk County, 29 miles from Springfield, MO.
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. Missouri rules, and what happens to an inquiry raised from a Missouri address, are set out on the Missouri page.
- Population: 11,549 residents (10K-25K band)1
- Healthcare providers registered here: 174 across 20 fields2
- Median household income: $44,6033
- Largest provider field: Physical, occupational, and speech therapy: 54 registered providers2
- Medicare-certified providers in town: 5 across 3 categories4
- Nearest metro: Springfield, MO, 29 miles1
Fields practicing inside Bolivar
Counted at the town's own addresses: 174 providers, 20 fields, 150.7 clinicians per 10,000 of the 11,549 residents here
| Practice type | Count | Rate per 10,000 residents | Published by |
|---|---|---|---|
| Physical, occupational, and speech therapy | 54 | 46.8 | NPPES [2] |
| Primary care and family medicine | 24 | 20.8 | NPPES [2] |
| General dentistry | 15 | 13.0 | NPPES [2] |
| Chiropractic | 12 | 10.4 | NPPES [2] |
| Optometry and ophthalmology | 11 | 9.5 | NPPES [2] |
| DME and HME suppliers | 10 | 8.7 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 9 | 7.8 | NPPES [2] |
| Behavioral and mental health group practices | 6 | 5.2 | NPPES [2] |
| Home health | 5 | 4.3 | NPPES [2] |
| Independent pharmacy | 5 | 4.3 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 5 | 4.3 | NPPES [2] |
| Specialty physician groups | 4 | 3.5 | NPPES [2] |
| Telehealth and virtual clinics | 3 | 2.6 | NPPES [2] |
| Audiology and hearing centers | 2 | 1.7 | NPPES [2] |
| Hospice and palliative | 2 | 1.7 | NPPES [2] |
| Hormone, TRT, and men's health clinics | 2 | 1.7 | NPPES [2] |
| Dialysis and infusion centers | 2 | 1.7 | NPPES [2] |
| Podiatry | 1 | 0.9 | NPPES [2] |
| Dermatology | 1 | 0.9 | NPPES [2] |
| NEMT and ambulance | 1 | 0.9 | NPPES [2] |
| Medical equipment suppliers | 5 | CMS [4] | |
| Hospice providers | 2 | CMS [4] | |
| Dialysis facilities | 2 | CMS [4] | |
| Home health agencies | 1 | CMS [4] |
A single Bolivar practice can hold more than one of these numbers. 31 percent sit in physical, occupational, and speech therapy, counted as clinicians rather than as owners.
What Polk County credit files already show
With 0 healthcare approvals recorded, Polk County gives a valuation almost nothing local to lean on
| Line | Amount | Reading and source |
|---|---|---|
| SBA healthcare approvals | 0 | One published fiscal year, healthcare borrowers only [5] |
| Approved dollars | $0 | Approved, not disbursed, and not net of withdrawals [5] |
| Average approval | No approvals recorded | A mean, so one large approval moves it [5] |
| Lending establishments in the county | 15 | Credit intermediation offices sited in the county [6] |
Reading Bolivar the way a credit committee does
The ratio that matters up front is 150.7 per 10,000, which decides whether a ramp schedule reads as conservative. A short county record of 0 approvals usually means more documentation and a lower advance against the same collateral. With $44,603 as the median household income, the payer mix in a projection has to match what Bolivar households actually spend.
Programs the Bolivar mix reaches for
- Practice acquisition
- Startup and de novo
- Working capital term loan
- Expansion, relocation, and build-out
- Equipment financing and leasing
The order comes from Bolivar's own provider mix, which physical, occupational, and speech therapy dominates at 31 percent. What a partner can actually place in Missouri is a separate question.
The first pages of a Bolivar file
What a funder opens first depends on the field. In Bolivar that means physical, occupational, and speech therapy, primary care and family medicine, general dentistry.
| Field | What the file turns on | The capital event behind most requests |
|---|---|---|
| Physical, occupational, and speech therapy (54) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Primary care and family medicine (24) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| General dentistry (15) | Three years of collections history, Hygiene as a share of collections, Overhead ratio and owner add-backs | Acquisition of an established practice |
NPPES supplies the Bolivar counts. The reading columns describe the field in general, and no partner reviewing a Bolivar file is bound by them.
How Bolivar prices against its neighbors
The neighboring markets below are the ones a valuation borrows from when Bolivar has too few sales of its own
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Bolivar (current) | 11,549 | 174 | 150.7 | |
| Republic | 21,392 | 79 | 36.9 | 30 |
| Nixa | 26,352 | 179 | 67.9 | 39 |
| Ozark | 23,248 | 200 | 86.0 | 41 |
| Lebanon | 15,538 | 157 | 101.0 | 42 |
| Monett | 10,108 | 113 | 111.8 | 55 |
| Carthage | 15,703 | 102 | 65.0 | 59 |
How Bolivar sits against the nearest metro
Distance to Springfield, MO is 29 miles. That is close enough for rent in Bolivar to be compared against the metro and far enough that patient draw is not. Households here carry $44,603 in median income, and that ceiling decides how much of a treatment plan gets started rather than deferred. Wages here are anchored by the Medicare-certified hospital in town, which is what a staffing line gets measured against. A degree-granting institution here moves volume on the academic calendar. Bolivar is the Polk County seat, so county employment steadies the payer mix.
More of Missouri
Questions from Bolivar
01How many providers practice in Bolivar, and in what?
Across 20 fields, Bolivar carries 174 enumerated clinicians, 150.7 per 10,000 of the 11,549 people living here. The concentration is in physical, occupational, and speech therapy, 54 of the total, then primary care and family medicine at 24. Count practices from that only with care.
02What does Polk County's shortage designation change?
HRSA designates Polk County for primary care, dental, mental health. That opens loan repayment programs for clinicians recruited into Bolivar and evidences a staffing ramp in a 11,549 resident market.
03Why does Polk County show so little SBA activity?
The published file records 0 7(a) and 504 approvals to healthcare borrowers in Polk County. That tracks how few Polk County practices changed hands that year, not credit quality. 15 credit intermediation establishments operate in Polk County, so the lending capacity is local even where the healthcare history is not.
04How does the hospital in Bolivar affect a practice file?
It makes the staffing and referral lines checkable. 5 Medicare-certified providers hold Bolivar addresses, and the hospital sets the wage a clinical hire is bid against in a 150.7 per 10,000 market.
05Which fields carry the volume in Bolivar?
Volume concentrates in physical, occupational, and speech therapy, 54 of them, ahead of primary care and family medicine at 24, across 20 fields. A thin second field usually means a longer search for staff than a pro forma allows for.
06Is Bolivar underwritten as part of Springfield, MO?
Springfield, MO sits 29 miles away, close enough that appraisers reach into that market for rent and resale comparables while your patient draw stays local. The comparables read Springfield, MO; the 11,549 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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