Missouri micro-market
Healthcare practice financing in Kearney, Missouri
Direct answer
96 healthcare providers hold a Kearney practice address, 85.6 per 10,000 of its 11,215 residents, 48 percent of them in physical, occupational, and speech therapy. Clay County recorded 1 SBA healthcare approvals worth $180,800, and Kansas City, MO-KS sits 19 miles out.
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- Population: 11,215 residents (10K-25K band)1
- Healthcare providers registered here: 96 across 15 fields2
- Median household income: $102,5233
- Largest provider field: Physical, occupational, and speech therapy: 46 registered providers2
- Nearest metro: Kansas City, MO-KS, 19 miles1
- SBA healthcare approvals in the county: 1 approvals totaling $180,8004
Who is enumerated in Kearney
96 providers across 15 fields, 85.6 per 10,000 residents, counted at Kearney addresses in the NPPES monthly file
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Physical, occupational, and speech therapy | 46 | 41.0 | NPPES [2] |
| Chiropractic | 18 | 16.0 | NPPES [2] |
| Primary care and family medicine | 8 | 7.1 | NPPES [2] |
| General dentistry | 6 | 5.3 | NPPES [2] |
| Independent pharmacy | 3 | 2.7 | NPPES [2] |
| Optometry and ophthalmology | 3 | 2.7 | NPPES [2] |
| Home health | 2 | 1.8 | NPPES [2] |
| Dental specialties | 2 | 1.8 | NPPES [2] |
| Behavioral and mental health group practices | 2 | 1.8 | NPPES [2] |
| NEMT and ambulance | 1 | 0.9 | NPPES [2] |
| Non-medical home care | 1 | 0.9 | NPPES [2] |
| ABA and autism therapy | 1 | 0.9 | NPPES [2] |
| Clinical research sites | 1 | 0.9 | NPPES [2] |
| Specialty physician groups | 1 | 0.9 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 1 | 0.9 | NPPES [2] |
| Medical equipment suppliers | 2 | CMS [5] |
Physical, occupational, and speech therapy carries 46 of the 96 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
Loan activity in Clay County
With 1 healthcare approvals recorded, Clay County gives a valuation almost nothing local to lean on
| What it measures | Value | How to read it |
|---|---|---|
| Healthcare files approved | 1 | One published fiscal year, healthcare borrowers only [4] |
| Dollars behind them | $180,800 | Approved, not disbursed, and not net of withdrawals [4] |
| Typical approval size | $180,800 | A mean, so one large approval moves it [4] |
| Credit offices operating locally | 153 | Credit intermediation offices sited in the county [6] |
What the two tables above change about a file
A file from here opens on 85.6 providers per 10,000 residents, and everything about volume follows from it. With 1 approvals on record in Clay County, expect a longer appraisal and a wider collateral discount. A $102,523 median household income here sets the ceiling on what an elective or cash-pay line can be expected to carry.
Where a file from this town usually lands
- Practice acquisition
- Startup and de novo
- Working capital term loan
- Equipment financing and leasing
- Expansion, relocation, and build-out
Ranked from the 15 fields that actually practice in Kearney, weighted toward physical, occupational, and speech therapy. Availability still depends on Missouri and on the funding partner.
What a funder reads first in Kearney
physical, occupational, and speech therapy, chiropractic, primary care and family medicine account for most of what is enumerated in Kearney, 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 (46) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Chiropractic (18) | Cash plan revenue, Personal injury receivable age, Visit volume | Startup or acquisition |
| Primary care and family medicine (8) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
Counts in the first column are Kearney providers from NPPES. The other two columns describe how funders read that field across markets like Kearney, not what any funder will do with your file.
Density beside the neighboring Missouri towns
85.6 per 10,000 is the figure a neighboring town gets compared against when an appraiser prices Kearney
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Kearney (current) | 11,215 | 96 | 85.6 | |
| Excelsior Springs | 10,727 | 95 | 88.6 | 6 |
| Liberty | 31,245 | 334 | 106.9 | 8 |
| Smithville | 10,971 | 52 | 47.4 | 12 |
| Gladstone | 27,579 | 198 | 71.8 | 15 |
| Blue Springs | 61,246 | 446 | 72.8 | 24 |
| Grain Valley | 16,859 | 102 | 60.5 | 25 |
Distance, income, and the wage floor around Kearney
Kansas City, MO-KS lies 19 miles from Kearney, close enough that appraisers price the lease against Kansas City, MO-KS rents while 11,215 residents set the revenue ceiling. Median household income runs $102,523, which is the number a funder converts into case acceptance on anything elective or cash-pay. Referral flow comes from outside Kearney, which a projection needs to state plainly.
More of Missouri
- Excelsior Springs 10,727 residents
- Liberty 31,245 residents
- Smithville 10,971 residents
- Gladstone 27,579 residents
- Blue Springs 61,246 residents
- Grain Valley 16,859 residents
What owners in Kearney ask
01How many providers practice in Kearney, and in what?
Across 15 fields, Kearney carries 96 enumerated clinicians, 85.6 per 10,000 of the 11,215 people living here. The concentration is in physical, occupational, and speech therapy, 46 of the total, then chiropractic at 18. Count practices from that only with care.
02Why does Clay County show so little SBA activity?
The published file records 1 7(a) and 504 approvals to healthcare borrowers in Clay County. That tracks how few Clay County practices changed hands that year, not credit quality. 153 credit intermediation establishments operate in Clay County, so the lending capacity is local even where the healthcare history is not.
03What does Clay County's shortage designation change?
The primary care, mental health designation HRSA carries on Clay County is a recruiting instrument: it puts repayment incentives in front of candidates, which is how a hiring plan for 11,215 residents gets past the question of who would take the job.
04Is Kearney underwritten as part of Kansas City, MO-KS?
Comparables and demand split at 19 miles. An appraiser prices the lease and the equipment off Kansas City, MO-KS; the revenue line has to hold up against 11,215 local residents.
05What does a $102,523 median income mean for case acceptance?
Median household income in Kearney runs $102,523. 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.
06Is there local lending capacity in Clay County?
County Business Patterns records 153 credit intermediation establishments in Clay County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Kearney 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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