Tennessee micro-market
Healthcare practice financing in Clinton, Tennessee
Direct answer
10,458 residents, 117 enumerated clinicians, 111.9 per 10,000, 38 percent of them in physical, occupational, and speech therapy: that is the Clinton market a funder prices. Anderson County adds 1 healthcare approvals worth $50,000 and 13 miles of distance to Knoxville, TN.
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: 10,458 residents (10K-25K band)1
- Healthcare providers registered here: 117 across 21 fields2
- Median household income: $64,0053
- Largest provider field: Physical, occupational, and speech therapy: 44 registered providers2
- Medicare-certified providers in town: 1 across 1 categories4
- Nearest metro: Knoxville, TN, 13 miles1
The clinical base a lender can verify here
The NPPES file puts 117 enumerated clinicians inside Clinton, spread over 21 fields at 111.9 per 10,000 residents
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| Physical, occupational, and speech therapy | 44 | 42.1 | NPPES [2] |
| Primary care and family medicine | 23 | 22.0 | NPPES [2] |
| Independent pharmacy | 6 | 5.7 | NPPES [2] |
| Home health | 5 | 4.8 | NPPES [2] |
| General dentistry | 5 | 4.8 | NPPES [2] |
| Chiropractic | 4 | 3.8 | NPPES [2] |
| Optometry and ophthalmology | 4 | 3.8 | NPPES [2] |
| Occupational health and drug testing | 4 | 3.8 | NPPES [2] |
| DME and HME suppliers | 3 | 2.9 | NPPES [2] |
| Dental specialties | 3 | 2.9 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 3 | 2.9 | NPPES [2] |
| Urgent care | 2 | 1.9 | NPPES [2] |
| Non-medical home care | 2 | 1.9 | NPPES [2] |
| Telehealth and virtual clinics | 2 | 1.9 | NPPES [2] |
| SUD treatment and residential | 1 | 1.0 | NPPES [2] |
| NEMT and ambulance | 1 | 1.0 | NPPES [2] |
| Audiology and hearing centers | 1 | 1.0 | NPPES [2] |
| Hospice and palliative | 1 | 1.0 | NPPES [2] |
| Med spa and aesthetics | 1 | 1.0 | NPPES [2] |
| Specialty physician groups | 1 | 1.0 | NPPES [2] |
| Dialysis and infusion centers | 1 | 1.0 | NPPES [2] |
| Medical equipment suppliers | 7 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] |
Several of the 44 physical, occupational, and speech therapy enumerations can belong to one practice, so the column counts clinicians rather than businesses or owners
Loan activity in Anderson County
1 healthcare approvals sit in the county file, so an appraiser here works from a short comparable set
| Measure | Published figure | What sits behind it |
|---|---|---|
| Approvals on record | 1 | Counted for the fiscal year the SBA publishes [5] |
| Total approved capital | $50,000 | Everything approved to healthcare borrowers, added up [5] |
| Mean deal size | $50,000 | The dollar column over the approval column [5] |
| Lenders sited in the county | 47 | Places that write credit locally, NAICS 522 [6] |
The consequence of these numbers
At 111.9 clinicians per 10,000 residents, the catchment radius in a projection has to be defended rather than assumed. A short county record of 1 approvals usually means more documentation and a lower advance against the same collateral. Household income of $64,005 in Clinton is the number a lender uses to sanity check the self-pay share of a revenue projection.
Programs the Clinton mix reaches for
- Practice acquisition
- Startup and de novo
- Working capital term loan
- Expansion, relocation, and build-out
- Medical receivables factoring
The order comes from Clinton's own provider mix, which physical, occupational, and speech therapy dominates at 38 percent. What a partner can actually place in Tennessee is a separate question.
The first pages of a Clinton file
Drawn from the fields that actually practice here: physical, occupational, and speech therapy, primary care and family medicine, independent pharmacy
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| Physical, occupational, and speech therapy (44) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Primary care and family medicine (23) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| Independent pharmacy (6) | Script count and file retention, Gross margin after direct and indirect remuneration, Wholesaler terms against reimbursement timing | Acquisition of the business or the prescription files |
Local counts come from NPPES. What a file turns on is drawn from how the field is generally reviewed, not from any decision about your practice.
How Clinton prices against its neighbors
111.9 per 10,000 is the figure a neighboring town gets compared against when an appraiser prices Clinton
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Clinton (current) | 10,458 | 117 | 111.9 | |
| Oak Ridge | 34,039 | 331 | 97.2 | 13 |
| Farragut | 25,242 | 52 | 20.6 | 16 |
| Alcoa | 13,588 | 130 | 95.7 | 21 |
| Maryville | 32,373 | 531 | 164.0 | 26 |
| Sevierville | 18,231 | 278 | 152.5 | 34 |
| Morristown | 32,994 | 449 | 136.1 | 47 |
How Clinton sits against the nearest metro
13 miles separate Clinton from Knoxville, TN. Lease pricing follows Knoxville, TN, while revenue stays capped by the 10,458 residents here. Households here carry $64,005 in median income, and that ceiling decides how much of a treatment plan gets started rather than deferred. Referral flow comes from outside Clinton, which a projection needs to state plainly. Clinton is the Anderson County seat, so county employment steadies the payer mix.
Nearby Tennessee towns
- Oak Ridge 34,039 residents
- Farragut 25,242 residents
- Alcoa 13,588 residents
- Maryville 32,373 residents
- Sevierville 18,231 residents
- Morristown 32,994 residents
Questions from Clinton
01How many providers practice in Clinton, and in what?
NPPES lists 117 providers at a Clinton practice address, 111.9 per 10,000 residents across 21 tracked fields. Physical, occupational, and speech therapy accounts for 44 of them, 38 percent of the total, with primary care and family medicine next at 23. Read that as clinicians: 117 enumerations, not 117 owners.
02What does Anderson County's shortage designation change?
The primary care, dental, mental health designation HRSA carries on Anderson County is a recruiting instrument: it puts repayment incentives in front of candidates, which is how a hiring plan for 10,458 residents gets past the question of who would take the job.
03Why does Anderson County show so little SBA activity?
Only 1 healthcare approvals appear for Anderson County in the published 7(a) and 504 file. Thin volume in Anderson County is a transaction count, not a verdict on borrowers here. The county still holds 47 credit intermediation establishments.
04Is Clinton underwritten as part of Knoxville, TN?
Knoxville, TN sits 13 miles away, close enough that appraisers reach into that market for rent and resale comparables while your patient draw stays local. The comparables read Knoxville, TN; the 10,458 residents set the ceiling a projection can defend.
05Is there local lending capacity in Anderson County?
County Business Patterns records 47 credit intermediation establishments in Anderson County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Clinton rents and resale before or by somebody working from a screen.
06What does a $64,005 median income mean for case acceptance?
Median household income in Clinton runs $64,005. 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.
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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