Missouri micro-market
Healthcare practice financing in Kirksville, Missouri
Direct answer
Adair County carries 0 SBA healthcare approvals worth $0, and inside Kirksville the census shows 273 enumerated clinicians against 17,841 residents, 153.0 per 10,000, 26 percent of them in physical, occupational, and speech therapy. Columbia, MO lies 87 miles away.
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: 17,841 residents (10K-25K band)1
- Healthcare providers registered here: 273 across 24 fields2
- Median household income: $48,0633
- Largest provider field: Physical, occupational, and speech therapy: 70 registered providers2
- Medicare-certified providers in town: 3 across 3 categories4
- Nearest metro: Columbia, MO, 87 miles1
The provider census in Kirksville
Counted at the town's own addresses: 273 providers, 24 fields, 153.0 clinicians per 10,000 of the 17,841 residents here
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Physical, occupational, and speech therapy | 70 | 39.2 | NPPES [2] |
| Primary care and family medicine | 64 | 35.9 | NPPES [2] |
| Specialty physician groups | 26 | 14.6 | NPPES [2] |
| Optometry and ophthalmology | 15 | 8.4 | NPPES [2] |
| Chiropractic | 10 | 5.6 | NPPES [2] |
| ABA and autism therapy | 10 | 5.6 | NPPES [2] |
| Dermatology | 9 | 5.0 | NPPES [2] |
| DME and HME suppliers | 9 | 5.0 | NPPES [2] |
| General dentistry | 7 | 3.9 | NPPES [2] |
| Independent pharmacy | 7 | 3.9 | NPPES [2] |
| Audiology and hearing centers | 7 | 3.9 | NPPES [2] |
| Podiatry | 6 | 3.4 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 5 | 2.8 | NPPES [2] |
| Home health | 4 | 2.2 | NPPES [2] |
| SUD treatment and residential | 4 | 2.2 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 4 | 2.2 | NPPES [2] |
| Hospice and palliative | 3 | 1.7 | NPPES [2] |
| Behavioral and mental health group practices | 3 | 1.7 | NPPES [2] |
| NEMT and ambulance | 2 | 1.1 | NPPES [2] |
| Clinical and toxicology labs | 2 | 1.1 | NPPES [2] |
| Dialysis and infusion centers | 2 | 1.1 | NPPES [2] |
| Occupational health and drug testing | 2 | 1.1 | NPPES [2] |
| Imaging centers | 1 | 0.6 | NPPES [2] |
| Telehealth and virtual clinics | 1 | 0.6 | NPPES [2] |
| Medical equipment suppliers | 6 | CMS [4] | |
| Hospice providers | 1 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] | |
| Home health agencies | 1 | CMS [4] |
Several of the 70 physical, occupational, and speech therapy enumerations can belong to one practice, so the column counts clinicians rather than businesses or owners
Loan activity in Adair County
With 0 healthcare approvals recorded, Adair County gives a valuation almost nothing local to lean on
| What it measures | Value | How to read it |
|---|---|---|
| Healthcare files approved | 0 | Counted for the fiscal year the SBA publishes [5] |
| Dollars behind them | $0 | Everything approved to healthcare borrowers, added up [5] |
| Typical approval size | No approvals recorded | The dollar column over the approval column [5] |
| Credit offices operating locally | 18 | Places that write credit locally, NAICS 522 [6] |
What the two tables above change about a file
Density of 153.0 per 10,000 sets the patient draw a projection can claim without an argument. Adair County has 0 approvals to compare against, so plan for extra appraisal time and a conservative valuation. A $48,063 median household income here sets the ceiling on what an elective or cash-pay line can be expected to carry.
The programs this provider mix points at
- Practice acquisition
- Working capital term loan
- Expansion, relocation, and build-out
- Startup and de novo
- Equipment financing and leasing
The 24 fields practicing locally set this order. A funding partner, not this list, decides what is available in Missouri.
Underwriting by field in Kirksville
What a funder opens first depends on the field. In Kirksville that means physical, occupational, and speech therapy, primary care and family medicine, specialty physician groups.
| Practice type | The pages that decide it | Typical capital event |
|---|---|---|
| Physical, occupational, and speech therapy (70) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Primary care and family medicine (64) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| Specialty physician groups (26) | Ancillary revenue contribution, Provider productivity, Payer contracts | Ancillary build-out |
Counts in the first column are Kirksville providers from NPPES. The other two columns describe how funders read that field across markets like Kirksville, not what any funder will do with your file.
Density beside the neighboring Missouri towns
Comparables travel. These are the Missouri towns whose density, at 153.0 per 10,000 here, gets weighed beside this one.
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Kirksville (current) | 17,841 | 273 | 153.0 | |
| Moberly | 13,337 | 151 | 113.2 | 54 |
| Hannibal | 16,809 | 257 | 152.9 | 71 |
| Mexico | 11,482 | 135 | 117.6 | 80 |
| Marshall | 13,791 | 113 | 81.9 | 82 |
| Fulton | 12,573 | 153 | 121.7 | 98 |
| Excelsior Springs | 10,727 | 95 | 88.6 | 106 |
Distance, income, and the wage floor around Kirksville
Columbia, MO lies 87 miles from Kirksville, far enough that a used chair, chairside unit, or imaging system has no nearby resale market, which is where the collateral discount comes from. At $48,063 median household income, the elective and cash-pay share of a projection is the line that gets tested first. Hospital coverage inside Kirksville means a call schedule can be evidenced rather than described. Campus terms, not calendar quarters, set the busy months in Kirksville. Kirksville is the Adair County seat, so county employment steadies the payer mix.
Nearby Missouri towns
Questions from Kirksville
01How many providers practice in Kirksville, and in what?
273 enumerations sit at Kirksville addresses in the monthly NPPES file, working out to 153.0 for every 10,000 residents. 26 percent of them are physical, occupational, and speech therapy, and primary care and family medicine follows with 64. An enumeration is a clinician, so the 273 here cover fewer than 273 practices.
02Why does Adair County show so little SBA activity?
Adair County shows 0 approvals in the SBA healthcare file, which means an appraiser reaches outside the county for comparables. Few sales, not weak credit, is the usual reason. 18 lending establishments operate locally.
03Does being 87 miles out change the underwriting?
At 87 miles from Columbia, MO, collateral is priced without a nearby resale market. Expect a longer appraisal window in Adair County and a wider discount on used equipment than a metro practice would see on the same list.
04What does Adair County's shortage designation change?
HRSA designates Adair County for primary care, dental, mental health. That opens loan repayment programs for clinicians recruited into Kirksville and evidences a staffing ramp in a 17,841 resident market.
05Which fields carry the volume in Kirksville?
The 24 enumerated fields are led by physical, occupational, and speech therapy at 70, with primary care and family medicine at 64 behind it. Those two counts double as the competition you are entering and the bench you would hire from.
06How does the hospital in Kirksville affect a practice file?
A Medicare-certified hospital operates in the town, which gives referral flow, a call schedule, and a clinical labor pool a funder can verify. 3 Medicare-certified providers are located here in total. It also sets the wage floor behind every hire in a 153.0 per 10,000 market.
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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