Tennessee micro-market
Healthcare practice financing in Crossville, Tennessee
Direct answer
12,785 residents, 261 enumerated clinicians, 204.1 per 10,000, 25 percent of them in physical, occupational, and speech therapy: that is the Crossville market a funder prices. Cumberland County adds 1 healthcare approvals worth $300,000 and 54 miles of distance to Cleveland, 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: 12,785 residents (10K-25K band)1
- Healthcare providers registered here: 261 across 28 fields2
- Median household income: $50,6723
- Largest provider field: Physical, occupational, and speech therapy: 65 registered providers2
- Medicare-certified providers in town: 5 across 3 categories4
- Nearest metro: Cleveland, TN, 54 miles1
The provider census in Crossville
261 providers across 28 fields, 204.1 per 10,000 residents, counted at Crossville addresses in the NPPES monthly file
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Physical, occupational, and speech therapy | 65 | 50.8 | NPPES [2] |
| Primary care and family medicine | 36 | 28.2 | NPPES [2] |
| Specialty physician groups | 24 | 18.8 | NPPES [2] |
| General dentistry | 21 | 16.4 | NPPES [2] |
| Optometry and ophthalmology | 15 | 11.7 | NPPES [2] |
| DME and HME suppliers | 12 | 9.4 | NPPES [2] |
| Chiropractic | 11 | 8.6 | NPPES [2] |
| Independent pharmacy | 10 | 7.8 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 10 | 7.8 | NPPES [2] |
| ABA and autism therapy | 8 | 6.3 | NPPES [2] |
| Occupational health and drug testing | 7 | 5.5 | NPPES [2] |
| Home health | 6 | 4.7 | NPPES [2] |
| Telehealth and virtual clinics | 6 | 4.7 | NPPES [2] |
| Non-medical home care | 5 | 3.9 | NPPES [2] |
| Audiology and hearing centers | 4 | 3.1 | NPPES [2] |
| Pain management and interventional | 3 | 2.3 | NPPES [2] |
| Dialysis and infusion centers | 3 | 2.3 | NPPES [2] |
| ASCs and OBLs | 2 | 1.6 | NPPES [2] |
| Dental specialties | 2 | 1.6 | NPPES [2] |
| Hospice and palliative | 2 | 1.6 | NPPES [2] |
| Behavioral and mental health group practices | 2 | 1.6 | NPPES [2] |
| Podiatry | 1 | 0.8 | NPPES [2] |
| Dermatology | 1 | 0.8 | NPPES [2] |
| Urgent care | 1 | 0.8 | NPPES [2] |
| SUD treatment and residential | 1 | 0.8 | NPPES [2] |
| NEMT and ambulance | 1 | 0.8 | NPPES [2] |
| Hormone, TRT, and men's health clinics | 1 | 0.8 | NPPES [2] |
| Clinical and toxicology labs | 1 | 0.8 | NPPES [2] |
| Medical equipment suppliers | 15 | CMS [4] | |
| Ambulatory surgical centers | 2 | CMS [4] | |
| Dialysis facilities | 2 | CMS [4] | |
| Hospice providers | 1 | CMS [4] |
Several of the 65 physical, occupational, and speech therapy enumerations can belong to one practice, so the column counts clinicians rather than businesses or owners
Loan activity in Cumberland 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 |
|---|---|---|
| SBA healthcare approvals | 1 | Fiscal year published in the SBA file [5] |
| Approved dollars | $300,000 | Sum of approvals to healthcare borrowers [5] |
| Average approval | $300,000 | Dollars divided by approvals [5] |
| Lending establishments in the county | 47 | Credit intermediation establishments, NAICS 522 [6] |
What the two tables above change about a file
A file from here opens on 204.1 providers per 10,000 residents, and everything about volume follows from it. Cumberland County has 1 approvals to compare against, so plan for extra appraisal time and a conservative valuation. Household income of $50,672 in Crossville 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
- Expansion, relocation, and build-out
- Working capital term loan
- Equipment financing and leasing
The order comes from Crossville's own provider mix, which physical, occupational, and speech therapy dominates at 25 percent. What a partner can actually place in Tennessee is a separate question.
Underwriting by field in Crossville
What a funder opens first depends on the field. In Crossville that means physical, occupational, and speech therapy, primary care and family medicine, specialty physician groups.
| Field | What the file turns on | The capital event behind most requests |
|---|---|---|
| Physical, occupational, and speech therapy (65) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Primary care and family medicine (36) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| Specialty physician groups (24) | Ancillary revenue contribution, Provider productivity, Payer contracts | Ancillary build-out |
Counts in the first column are Crossville providers from NPPES. The other two columns describe how funders read that field across markets like Crossville, not what any funder will do with your file.
Crossville against nearby Tennessee markets
204.1 per 10,000 is the figure a neighboring town gets compared against when an appraiser prices Crossville
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Crossville (current) | 12,785 | 261 | 204.1 | |
| Cookeville | 37,102 | 596 | 160.6 | 30 |
| Oak Ridge | 34,039 | 331 | 97.2 | 41 |
| Athens | 15,050 | 241 | 160.1 | 42 |
| McMinnville | 14,032 | 146 | 104.0 | 46 |
| Farragut | 25,242 | 52 | 20.6 | 48 |
| Clinton | 10,458 | 117 | 111.9 | 51 |
How Crossville sits against the nearest metro
Distance to Cleveland, TN is 54 miles. That is close enough for rent in Crossville to be compared against the metro and far enough that patient draw is not. At $50,672 median household income, the elective and cash-pay share of a projection is the line that gets tested first. The hospital fixes two inputs a lender would otherwise estimate in a 12,785 resident town: where referrals originate, and what staff cost. Campus terms, not calendar quarters, set the busy months in Crossville. Crossville is the Cumberland County seat, so county employment steadies the payer mix.
Nearby Tennessee towns
- Cookeville 37,102 residents
- Oak Ridge 34,039 residents
- Athens 15,050 residents
- McMinnville 14,032 residents
- Farragut 25,242 residents
- Clinton 10,458 residents
Crossville owners, answered
01How many providers practice in Crossville, and in what?
Across 28 fields, Crossville carries 261 enumerated clinicians, 204.1 per 10,000 of the 12,785 people living here. The concentration is in physical, occupational, and speech therapy, 65 of the total, then primary care and family medicine at 36. Count practices from that only with care.
02What does Cumberland County's shortage designation change?
Cumberland County holds a HRSA designation covering primary care, dental, mental health. A pro forma for Crossville can cite it as the reason a vacancy is fillable, which is usually the weakest line in a ramp schedule.
03Why does Cumberland County show so little SBA activity?
Only 1 healthcare approvals appear for Cumberland County in the published 7(a) and 504 file. Thin volume in Cumberland County is a transaction count, not a verdict on borrowers here. The county still holds 47 credit intermediation establishments.
04How does the hospital in Crossville affect a practice file?
Referral flow, coverage, and the local pay scale all trace back to it. The town carries 5 Medicare-certified providers in total. A Crossville projection that names the call arrangement reads better than one that assumes it.
05Which fields carry the volume in Crossville?
Physical, occupational, and speech therapy at 65 providers and primary care and family medicine at 36 lead the 28 fields enumerated here. A funder reads that mix as the local competition set and the local hiring pool at once, before it reads a single line of your own numbers.
06Is Crossville underwritten as part of Cleveland, TN?
Cleveland, TN sits 54 miles away, close enough that appraisers reach into that market for rent and resale comparables while your patient draw stays local. The comparables read Cleveland, TN; the 12,785 residents set the ceiling a projection can defend.
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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