Tennessee micro-market
Healthcare practice financing in Alcoa, Tennessee
Direct answer
Density decides a lot here. Alcoa runs 95.7 providers per 10,000 residents, 130 clinicians against 13,588 people, 35 percent of them in primary care and family medicine, while Blount County lenders have approved 0 healthcare files worth $0 and the nearest metro is 11 miles out.
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- Population: 13,588 residents (10K-25K band)1
- Healthcare providers registered here: 130 across 20 fields2
- Median household income: $60,0493
- Largest provider field: Primary care and family medicine: 45 registered providers2
- Nearest metro: Knoxville, TN, 11 miles1
- Lending establishments in the county: 93 credit intermediation establishments4
The provider census in Alcoa
The NPPES file puts 130 enumerated clinicians inside Alcoa, spread over 20 fields at 95.7 per 10,000 residents
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Primary care and family medicine | 45 | 33.1 | NPPES [2] |
| Specialty physician groups | 17 | 12.5 | NPPES [2] |
| Physical, occupational, and speech therapy | 17 | 12.5 | NPPES [2] |
| General dentistry | 12 | 8.8 | NPPES [2] |
| Dermatology | 6 | 4.4 | NPPES [2] |
| Chiropractic | 6 | 4.4 | NPPES [2] |
| Independent pharmacy | 6 | 4.4 | NPPES [2] |
| DME and HME suppliers | 5 | 3.7 | NPPES [2] |
| Podiatry | 2 | 1.5 | NPPES [2] |
| Dental specialties | 2 | 1.5 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 2 | 1.5 | NPPES [2] |
| Telehealth and virtual clinics | 2 | 1.5 | NPPES [2] |
| Urgent care | 1 | 0.7 | NPPES [2] |
| Pain management and interventional | 1 | 0.7 | NPPES [2] |
| Non-medical home care | 1 | 0.7 | NPPES [2] |
| Med spa and aesthetics | 1 | 0.7 | NPPES [2] |
| Optometry and ophthalmology | 1 | 0.7 | NPPES [2] |
| Behavioral and mental health group practices | 1 | 0.7 | NPPES [2] |
| Plastic and cosmetic surgery | 1 | 0.7 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 1 | 0.7 | NPPES [2] |
| Medical equipment suppliers | 7 | CMS [5] |
Several of the 45 primary care and family medicine enumerations can belong to one practice, so the column counts clinicians rather than businesses or owners
Loan activity in Blount County
0 healthcare approvals sit in the county file, so an appraiser here works from a short comparable set
| Measure | Published figure | What sits behind it |
|---|---|---|
| SBA healthcare approvals | 0 | Fiscal year published in the SBA file [6] |
| Approved dollars | $0 | Sum of approvals to healthcare borrowers [6] |
| Average approval | No approvals recorded | Dollars divided by approvals [6] |
| Lending establishments in the county | 93 | Credit intermediation establishments, NAICS 522 [4] |
Reading Alcoa the way a credit committee does
The ratio that matters up front is 95.7 per 10,000, which decides whether a ramp schedule reads as conservative. Blount County has 0 approvals to compare against, so plan for extra appraisal time and a conservative valuation. Household income of $60,049 in Alcoa is the number a lender uses to sanity check the self-pay share of a revenue projection.
The programs this provider mix points at
- Practice acquisition
- Expansion, relocation, and build-out
- Startup and de novo
- Working capital term loan
- Equipment financing and leasing
Ranked from the 20 fields that actually practice in Alcoa, weighted toward primary care and family medicine. Availability still depends on Tennessee and on the funding partner.
Underwriting by field in Alcoa
primary care and family medicine, specialty physician groups, physical, occupational, and speech therapy account for most of what is enumerated in Alcoa, so those are the files funders see from this town
| Field | What the file turns on | The capital event behind most requests |
|---|---|---|
| Primary care and family medicine (45) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| Specialty physician groups (17) | Ancillary revenue contribution, Provider productivity, Payer contracts | Ancillary build-out |
| Physical, occupational, and speech therapy (17) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
The first column is Alcoa's own NPPES count. The rest is how the field is generally underwritten, whether the address is Alcoa or anywhere else.
How Alcoa prices against its neighbors
Set Alcoa's 95.7 per 10,000 against the towns an appraiser would reach for next
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Alcoa (current) | 13,588 | 130 | 95.7 | |
| Maryville | 32,373 | 531 | 164.0 | 5 |
| Farragut | 25,242 | 52 | 20.6 | 13 |
| Clinton | 10,458 | 117 | 111.9 | 21 |
| Oak Ridge | 34,039 | 331 | 97.2 | 21 |
| Sevierville | 18,231 | 278 | 152.5 | 22 |
| Athens | 15,050 | 241 | 160.1 | 43 |
How Alcoa sits against the nearest metro
Distance to Knoxville, TN is 11 miles. Appraisers borrow Knoxville, TN rents, and the 13,588 residents set the ceiling on collections. At $60,049 median household income, the elective and cash-pay share of a projection is the line that gets tested first. With no hospital in town, a projection has to name where referrals and coverage come from.
Nearby Tennessee towns
Alcoa owners, answered
01How many providers practice in Alcoa, and in what?
NPPES lists 130 providers at a Alcoa practice address, 95.7 per 10,000 residents across 20 tracked fields. Primary care and family medicine accounts for 45 of them, 35 percent of the total, with specialty physician groups next at 17. Read that as clinicians: 130 enumerations, not 130 owners.
02Why does Blount County show so little SBA activity?
Only 0 healthcare approvals appear for Blount County in the published 7(a) and 504 file. Thin volume in Blount County is a transaction count, not a verdict on borrowers here. The county still holds 93 credit intermediation establishments.
03What does Blount County's shortage designation change?
Designated for primary care, dental, mental health, Blount County qualifies its clinicians for federal repayment support. On a file that turns on adding staff, that is the difference between a hiring assumption and a hiring plan.
04What does a $60,049 median income mean for case acceptance?
Median household income in Alcoa runs $60,049. 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.
05Which fields carry the volume in Alcoa?
Volume concentrates in primary care and family medicine, 45 of them, ahead of specialty physician groups at 17, across 20 fields. A thin second field usually means a longer search for staff than a pro forma allows for.
06Is Alcoa underwritten as part of Knoxville, TN?
Partly. Knoxville, TN is 11 miles out, so rent and equipment comparables travel in from there while patients still come from the 13,588 residents around Alcoa. Cost side metro, revenue side local.
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. Census Bureau, County Business Patterns 2022
- 5CMS Care Compare provider datasets
- 6U.S. Small Business Administration, 7(a) and 504 approvals
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