Missouri micro-market
Healthcare practice financing in Ferguson, Missouri
Direct answer
18,043 residents, 87 enumerated clinicians, 48.2 per 10,000, 31 percent of them in home health: that is the Ferguson market a funder prices. St. Louis County adds 20 healthcare approvals worth $15,844,400 and 8 miles of distance to St. Louis, MO-IL.
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: 18,043 residents (10K-25K band)1
- Healthcare providers registered here: 87 across 17 fields2
- Median household income: $46,1063
- Largest provider field: Home health: 27 registered providers2
- Nearest metro: St. Louis, MO-IL, 8 miles1
- SBA healthcare approvals in the county: 20 approvals totaling $15,844,4004
Who is enumerated in Ferguson
The NPPES file puts 87 enumerated clinicians inside Ferguson, spread over 17 fields at 48.2 per 10,000 residents
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Home health | 27 | 15.0 | NPPES [2] |
| Non-medical home care | 16 | 8.9 | NPPES [2] |
| Physical, occupational, and speech therapy | 10 | 5.5 | NPPES [2] |
| Specialty physician groups | 6 | 3.3 | NPPES [2] |
| Chiropractic | 4 | 2.2 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 4 | 2.2 | NPPES [2] |
| General dentistry | 3 | 1.7 | NPPES [2] |
| Optometry and ophthalmology | 3 | 1.7 | NPPES [2] |
| Behavioral and mental health group practices | 3 | 1.7 | NPPES [2] |
| Primary care and family medicine | 2 | 1.1 | NPPES [2] |
| Mobile diagnostics | 2 | 1.1 | NPPES [2] |
| Independent pharmacy | 2 | 1.1 | NPPES [2] |
| DME and HME suppliers | 1 | 0.6 | NPPES [2] |
| Imaging centers | 1 | 0.6 | NPPES [2] |
| ABA and autism therapy | 1 | 0.6 | NPPES [2] |
| Clinical research sites | 1 | 0.6 | NPPES [2] |
| Dialysis and infusion centers | 1 | 0.6 | NPPES [2] |
| Medical equipment suppliers | 2 | CMS [5] |
A single Ferguson practice can hold more than one of these numbers. 31 percent sit in home health, counted as clinicians rather than as owners.
The lending record behind Ferguson
Lenders in St. Louis County have already closed 20 healthcare approvals, averaging $792,220, which is the size a new file gets read beside.
| Line | Amount | Reading and source |
|---|---|---|
| Approvals on record | 20 | Fiscal year published in the SBA file [4] |
| Total approved capital | $15,844,400 | Sum of approvals to healthcare borrowers [4] |
| Mean deal size | $792,220 | Dollars divided by approvals [4] |
| Lenders sited in the county | 708 | Credit intermediation establishments, NAICS 522 [6] |
What the two tables above change about a file
At 48.2 clinicians per 10,000 residents, the catchment radius in a projection has to be defended rather than assumed. A request measured against 20 prior St. Louis County approvals is priced on precedent, which shortens the questions about valuation. Household income of $46,106 in Ferguson 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
- Medical receivables factoring
- Healthcare AR line and payroll funding
- Working capital term loan
- Practice acquisition
- Startup and de novo
Weighted by how often each of the 17 local fields reaches for a program, not by what is easiest to refer. Missouri rules and the partner decide availability.
What a funder reads first in Ferguson
What a funder opens first depends on the field. In Ferguson that means home health, non-medical home care, physical, occupational, and speech therapy.
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| Home health (27) | Medicare certification first, Payer mix second, Days in accounts receivable third | Payroll between visit and remittance |
| Non-medical home care (16) | Payer mix between waiver and private pay, Caregiver retention, Electronic visit verification compliance | Payroll funding against waiver and managed care receivables |
| Physical, occupational, and speech therapy (10) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
Counts in the first column are Ferguson providers from NPPES. The other two columns describe how funders read that field across markets like Ferguson, not what any funder will do with your file.
Ferguson against nearby Missouri markets
The neighboring markets below are the ones a valuation borrows from when Ferguson has too few sales of its own
| Comparable | People | Enumerations | Per 10,000 residents | Miles |
|---|---|---|---|---|
| Ferguson (current) | 18,043 | 87 | 48.2 | |
| Jennings | 13,024 | 33 | 25.3 | 2 |
| Florissant | 51,290 | 974 | 189.9 | 4 |
| Overland | 15,547 | 64 | 41.2 | 5 |
| Hazelwood | 24,951 | 328 | 131.5 | 6 |
| Bridgeton | 11,301 | 511 | 452.2 | 7 |
| Clayton | 17,512 | 189 | 107.9 | 7 |
What the geography does to a Ferguson projection
8 miles separate Ferguson from St. Louis, MO-IL. Lease pricing follows St. Louis, MO-IL, while revenue stays capped by the 18,043 residents here. Median household income runs $46,106, which is the number a funder converts into case acceptance on anything elective or cash-pay. No hospital operates here, so the referral sources and the call arrangement have to be named rather than assumed.
Nearby Missouri towns
Ferguson owners, answered
01How many providers practice in Ferguson, and in what?
Across 17 fields, Ferguson carries 87 enumerated clinicians, 48.2 per 10,000 of the 18,043 people living here. The concentration is in home health, 27 of the total, then non-medical home care at 16. Count practices from that only with care.
02What does St. Louis County's shortage designation change?
HRSA designates St. Louis County for primary care, dental, mental health. That opens loan repayment programs for clinicians recruited into Ferguson and evidences a staffing ramp in a 18,043 resident market.
03Which fields carry the volume in Ferguson?
The 17 enumerated fields are led by home health at 27, with non-medical home care at 16 behind it. Those two counts double as the competition you are entering and the bench you would hire from.
04Is Ferguson underwritten as part of St. Louis, MO-IL?
St. Louis, MO-IL 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 St. Louis, MO-IL; the 18,043 residents set the ceiling a projection can defend.
05What does SBA lending look like around Ferguson?
$15,844,400 went to healthcare borrowers in St. Louis County across 20 approvals, $792,220 on average. Deals near Ferguson get sized against that record before anything else.
06Is there local lending capacity in St. Louis County?
County Business Patterns records 708 credit intermediation establishments in St. Louis County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Ferguson rents and resale before or by somebody working from a screen.
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. Small Business Administration, 7(a) and 504 approvals
- 5CMS Care Compare provider datasets
- 6U.S. Census Bureau, County Business Patterns 2022
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