Tennessee micro-market
Healthcare practice financing in Arlington, Tennessee
Direct answer
Shelby County carries 6 SBA healthcare approvals worth $3,941,000, and inside Arlington the census shows 122 enumerated clinicians against 15,550 residents, 78.5 per 10,000, 43 percent of them in physical, occupational, and speech therapy. Memphis, TN-MS-AR lies 20 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. How a referral works in Tennessee, and how many partners see it, is set out on the Tennessee page.
- Population: 15,550 residents (10K-25K band)1
- Healthcare providers registered here: 122 across 17 fields2
- Median household income: $125,9093
- Largest provider field: Physical, occupational, and speech therapy: 53 registered providers2
- Medicare-certified providers in town: 2 across 2 categories4
- Nearest metro: Memphis, TN-MS-AR, 20 miles1
What NPPES records at Arlington addresses
Counted at the town's own addresses: 122 providers, 17 fields, 78.5 clinicians per 10,000 of the 15,550 residents here
| Practice type | Count | Rate per 10,000 residents | Published by |
|---|---|---|---|
| Physical, occupational, and speech therapy | 53 | 34.1 | NPPES [2] |
| General dentistry | 11 | 7.1 | NPPES [2] |
| DME and HME suppliers | 9 | 5.8 | NPPES [2] |
| Home health | 9 | 5.8 | NPPES [2] |
| Non-medical home care | 7 | 4.5 | NPPES [2] |
| Optometry and ophthalmology | 6 | 3.9 | NPPES [2] |
| Chiropractic | 4 | 2.6 | NPPES [2] |
| Primary care and family medicine | 4 | 2.6 | NPPES [2] |
| Independent pharmacy | 4 | 2.6 | NPPES [2] |
| Dental specialties | 3 | 1.9 | NPPES [2] |
| Specialty physician groups | 3 | 1.9 | NPPES [2] |
| Behavioral and mental health group practices | 3 | 1.9 | NPPES [2] |
| ABA and autism therapy | 2 | 1.3 | NPPES [2] |
| Urgent care | 1 | 0.6 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 1 | 0.6 | NPPES [2] |
| Dialysis and infusion centers | 1 | 0.6 | NPPES [2] |
| Telehealth and virtual clinics | 1 | 0.6 | NPPES [2] |
| Medical equipment suppliers | 6 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] | |
| Home health agencies | 1 | CMS [4] |
Several of the 53 physical, occupational, and speech therapy enumerations can belong to one practice, so the column counts clinicians rather than businesses or owners
Shelby County approvals, dollars, and lending establishments
6 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 | 6 | Fiscal year published in the SBA file [5] |
| Approved dollars | $3,941,000 | Sum of approvals to healthcare borrowers [5] |
| Average approval | $656,833 | Dollars divided by approvals [5] |
| Lending establishments in the county | 593 | Credit intermediation establishments, NAICS 522 [6] |
Reading Arlington the way a credit committee does
Density of 78.5 per 10,000 sets the patient draw a projection can claim without an argument. Shelby County has 6 approvals to compare against, so plan for extra appraisal time and a conservative valuation. Household income of $125,909 in Arlington 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
- Startup and de novo
- Working capital term loan
- Medical receivables factoring
- Equipment financing and leasing
The 17 fields practicing locally set this order. A funding partner, not this list, decides what is available in Tennessee.
What a funder reads first in Arlington
Drawn from the fields that actually practice here: physical, occupational, and speech therapy, general dentistry, dme and hme suppliers
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| Physical, occupational, and speech therapy (53) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| General dentistry (11) | Three years of collections history, Hygiene as a share of collections, Overhead ratio and owner add-backs | Acquisition of an established practice |
| DME and HME suppliers (9) | Accreditation and surety bond status, Rental versus sale revenue split, Denial rate and documentation quality | Inventory and rental fleet |
Column one counts Arlington clinicians from the federal file. Columns two and three describe how the field is usually underwritten, and a partner can read a Arlington file differently.
How Arlington prices against its neighbors
78.5 per 10,000 is the figure a neighboring town gets compared against when an appraiser prices Arlington
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Arlington (current) | 15,550 | 122 | 78.5 | |
| Lakeland | 14,416 | 35 | 24.3 | 4 |
| Oakland | 10,769 | 44 | 40.9 | 7 |
| Bartlett | 56,708 | 430 | 75.8 | 9 |
| Atoka | 10,624 | 46 | 43.3 | 14 |
| Collierville | 51,951 | 334 | 64.3 | 14 |
| Germantown | 40,128 | 638 | 159.0 | 14 |
How Arlington sits against the nearest metro
Distance to Memphis, TN-MS-AR is 20 miles. Appraisers borrow Memphis, TN-MS-AR rents, and the 15,550 residents set the ceiling on collections. At $125,909 median household income, the elective and cash-pay share of a projection is the line that gets tested first. Referral flow comes from outside Arlington, which a projection needs to state plainly.
Other Tennessee markets
- Lakeland 14,416 residents
- Oakland 10,769 residents
- Bartlett 56,708 residents
- Atoka 10,624 residents
- Collierville 51,951 residents
- Germantown 40,128 residents
Questions from Arlington
01How many providers practice in Arlington, and in what?
122 enumerations sit at Arlington addresses in the monthly NPPES file, working out to 78.5 for every 10,000 residents. 43 percent of them are physical, occupational, and speech therapy, and general dentistry follows with 11. An enumeration is a clinician, so the 122 here cover fewer than 122 practices.
02What does Shelby County's shortage designation change?
HRSA designates Shelby County for primary care, dental, mental health. That opens loan repayment programs for clinicians recruited into Arlington and evidences a staffing ramp in a 15,550 resident market.
03Why does Shelby County show so little SBA activity?
The published file records 6 7(a) and 504 approvals to healthcare borrowers in Shelby County. That tracks how few Shelby County practices changed hands that year, not credit quality. 593 credit intermediation establishments operate in Shelby County, so the lending capacity is local even where the healthcare history is not.
04Is Arlington underwritten as part of Memphis, TN-MS-AR?
Partly. Memphis, TN-MS-AR is 20 miles out, so rent and equipment comparables travel in from there while patients still come from the 15,550 residents around Arlington. Cost side metro, revenue side local.
05What does a $125,909 median income mean for case acceptance?
Median household income in Arlington runs $125,909. 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 Shelby County?
County Business Patterns records 593 credit intermediation establishments in Shelby County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Arlington 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
- 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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