Missouri micro-market
Healthcare practice financing in Jackson, Missouri
Direct answer
Density decides a lot here. Jackson runs 108.6 providers per 10,000 residents, 173 clinicians against 15,929 people, 39 percent of them in physical, occupational, and speech therapy, while Cape Girardeau County lenders have approved 3 healthcare files worth $714,900 and the nearest metro is 7 miles out.
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- Population: 15,929 residents (10K-25K band)1
- Healthcare providers registered here: 173 across 15 fields2
- Median household income: $80,4353
- Largest provider field: Physical, occupational, and speech therapy: 67 registered providers2
- Nearest metro: Cape Girardeau, MO-IL, 7 miles1
- County seat: Jackson is the seat of Cape Girardeau County4
What NPPES records at Jackson addresses
Counted at the town's own addresses: 173 providers, 15 fields, 108.6 clinicians per 10,000 of the 15,929 residents here
| Practice type | Count | Rate per 10,000 residents | Published by |
|---|---|---|---|
| Physical, occupational, and speech therapy | 67 | 42.1 | NPPES [2] |
| DME and HME suppliers | 18 | 11.3 | NPPES [2] |
| Primary care and family medicine | 18 | 11.3 | NPPES [2] |
| Chiropractic | 14 | 8.8 | NPPES [2] |
| ABA and autism therapy | 14 | 8.8 | NPPES [2] |
| General dentistry | 8 | 5.0 | NPPES [2] |
| Independent pharmacy | 8 | 5.0 | NPPES [2] |
| Non-medical home care | 6 | 3.8 | NPPES [2] |
| Optometry and ophthalmology | 5 | 3.1 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 5 | 3.1 | NPPES [2] |
| Home health | 4 | 2.5 | NPPES [2] |
| Behavioral and mental health group practices | 3 | 1.9 | NPPES [2] |
| Podiatry | 1 | 0.6 | NPPES [2] |
| Med spa and aesthetics | 1 | 0.6 | NPPES [2] |
| Telehealth and virtual clinics | 1 | 0.6 | NPPES [2] |
| Medical equipment suppliers | 4 | CMS [5] |
A single Jackson practice can hold more than one of these numbers. 39 percent sit in physical, occupational, and speech therapy, counted as clinicians rather than as owners.
The lending record behind Jackson
The county file holds 3 healthcare approvals, which is a thin comparable set for anyone pricing collateral
| Line | Amount | Reading and source |
|---|---|---|
| SBA healthcare approvals | 3 | Fiscal year published in the SBA file [6] |
| Approved dollars | $714,900 | Sum of approvals to healthcare borrowers [6] |
| Average approval | $238,300 | Dollars divided by approvals [6] |
| Lending establishments in the county | 69 | Credit intermediation establishments, NAICS 522 [7] |
How this data lands in an underwriting decision
At 108.6 clinicians per 10,000 residents, the catchment radius in a projection has to be defended rather than assumed. With 3 approvals on record in Cape Girardeau County, expect a longer appraisal and a wider collateral discount. Household income of $80,435 in Jackson is the number a lender uses to sanity check the self-pay share of a revenue projection.
Programs the Jackson mix reaches for
- Practice acquisition
- Startup and de novo
- Working capital term loan
- Equipment financing and leasing
- Medical receivables factoring
Built from what is enumerated here rather than from a national list, so a field with no presence in Jackson does not appear. Availability is still a Missouri question.
What a funder reads first in Jackson
Drawn from the fields that actually practice here: physical, occupational, and speech therapy, dme and hme suppliers, primary care and family medicine
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| Physical, occupational, and speech therapy (67) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| DME and HME suppliers (18) | Accreditation and surety bond status, Rental versus sale revenue split, Denial rate and documentation quality | Inventory and rental fleet |
| Primary care and family medicine (18) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
Column one counts Jackson clinicians from the federal file. Columns two and three describe how the field is usually underwritten, and a partner can read a Jackson file differently.
Jackson against nearby Missouri markets
Density is the number that moves an appraisal: 108.6 per 10,000 here
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Jackson (current) | 15,929 | 173 | 108.6 | |
| Cape Girardeau | 40,818 | 720 | 176.4 | 7 |
| Sikeston | 16,062 | 273 | 170.0 | 34 |
| Farmington | 19,165 | 344 | 179.5 | 51 |
| Poplar Bluff | 16,177 | 494 | 305.4 | 60 |
| Festus | 13,730 | 297 | 216.3 | 71 |
| Arnold | 21,036 | 373 | 177.3 | 82 |
How Jackson sits against the nearest metro
Distance to Cape Girardeau, MO-IL is 7 miles. Appraisers borrow Cape Girardeau, MO-IL rents, and the 15,929 residents set the ceiling on collections. Households here carry $80,435 in median income, and that ceiling decides how much of a treatment plan gets started rather than deferred. Referral flow comes from outside Jackson, which a projection needs to state plainly. Jackson is the Cape Girardeau County seat, so county employment steadies the payer mix.
Other Missouri markets
- Cape Girardeau 40,818 residents
- Sikeston 16,062 residents
- Farmington 19,165 residents
- Poplar Bluff 16,177 residents
- Festus 13,730 residents
- Arnold 21,036 residents
Jackson owners, answered
01How many providers practice in Jackson, and in what?
173 enumerations sit at Jackson addresses in the monthly NPPES file, working out to 108.6 for every 10,000 residents. 39 percent of them are physical, occupational, and speech therapy, and dme and hme suppliers follows with 18. An enumeration is a clinician, so the 173 here cover fewer than 173 practices.
02What does Cape Girardeau County's shortage designation change?
The primary care, dental, mental health designation HRSA carries on Cape Girardeau County is a recruiting instrument: it puts repayment incentives in front of candidates, which is how a hiring plan for 15,929 residents gets past the question of who would take the job.
03Why does Cape Girardeau County show so little SBA activity?
Only 3 healthcare approvals appear for Cape Girardeau County in the published 7(a) and 504 file. Thin volume in Cape Girardeau County is a transaction count, not a verdict on borrowers here. The county still holds 69 credit intermediation establishments.
04Is Jackson underwritten as part of Cape Girardeau, MO-IL?
Cape Girardeau, MO-IL sits 7 miles away, close enough that appraisers reach into that market for rent and resale comparables while your patient draw stays local. The comparables read Cape Girardeau, MO-IL; the 15,929 residents set the ceiling a projection can defend.
05Is there local lending capacity in Cape Girardeau County?
County Business Patterns records 69 credit intermediation establishments in Cape Girardeau County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Jackson rents and resale before or by somebody working from a screen.
06What does the underserved designation in Cape Girardeau County support?
Cape Girardeau County carries a medically underserved designation. It evidences unmet demand behind a capacity build, and it opens recruitment programs that make a staffing line in a projection easier to defend than local wage data alone would.
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
- 4Census county subdivision and Wikidata county-seat records
- 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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