Tennessee micro-market
Healthcare practice financing in McMinnville, Tennessee
Direct answer
Warren County carries 0 SBA healthcare approvals worth $0, and inside McMinnville the census shows 146 enumerated clinicians against 14,032 residents, 104.0 per 10,000, 30 percent of them in physical, occupational, and speech therapy. Chattanooga, TN-GA lies 52 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: 14,032 residents (10K-25K band)1
- Healthcare providers registered here: 146 across 23 fields2
- Median household income: $43,3483
- Largest provider field: Physical, occupational, and speech therapy: 44 registered providers2
- Medicare-certified providers in town: 3 across 2 categories4
- Nearest metro: Chattanooga, TN-GA, 52 miles1
The provider census in McMinnville
146 providers across 23 fields, 104.0 per 10,000 residents, counted at McMinnville addresses in the NPPES monthly file
| Practice type | Count | Rate per 10,000 residents | Published by |
|---|---|---|---|
| Physical, occupational, and speech therapy | 44 | 31.4 | NPPES [2] |
| Primary care and family medicine | 19 | 13.5 | NPPES [2] |
| Specialty physician groups | 16 | 11.4 | NPPES [2] |
| Independent pharmacy | 10 | 7.1 | NPPES [2] |
| Chiropractic | 9 | 6.4 | NPPES [2] |
| DME and HME suppliers | 8 | 5.7 | NPPES [2] |
| Behavioral and mental health group practices | 7 | 5.0 | NPPES [2] |
| Home health | 6 | 4.3 | NPPES [2] |
| Optometry and ophthalmology | 5 | 3.6 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 4 | 2.9 | NPPES [2] |
| Urgent care | 3 | 2.1 | NPPES [2] |
| General dentistry | 2 | 1.4 | NPPES [2] |
| ABA and autism therapy | 2 | 1.4 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 2 | 1.4 | NPPES [2] |
| Podiatry | 1 | 0.7 | NPPES [2] |
| ASCs and OBLs | 1 | 0.7 | NPPES [2] |
| Pain management and interventional | 1 | 0.7 | NPPES [2] |
| Dental specialties | 1 | 0.7 | NPPES [2] |
| NEMT and ambulance | 1 | 0.7 | NPPES [2] |
| Audiology and hearing centers | 1 | 0.7 | NPPES [2] |
| Non-medical home care | 1 | 0.7 | NPPES [2] |
| Med spa and aesthetics | 1 | 0.7 | NPPES [2] |
| Telehealth and virtual clinics | 1 | 0.7 | NPPES [2] |
| Medical equipment suppliers | 8 | CMS [4] | |
| Dialysis facilities | 2 | CMS [4] | |
| Home health agencies | 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
What lenders have already approved in Warren 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 |
|---|---|---|
| Approvals on record | 0 | Counted for the fiscal year the SBA publishes [5] |
| Total approved capital | $0 | Everything approved to healthcare borrowers, added up [5] |
| Mean deal size | No approvals recorded | The dollar column over the approval column [5] |
| Lenders sited in the county | 43 | Places that write credit locally, NAICS 522 [6] |
How this data lands in an underwriting decision
A file from here opens on 104.0 providers per 10,000 residents, and everything about volume follows from it. Warren County has 0 approvals to compare against, so plan for extra appraisal time and a conservative valuation. Household income of $43,348 in McMinnville 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
- Expansion, relocation, and build-out
- Equipment financing and leasing
The 23 fields practicing locally set this order. A funding partner, not this list, decides what is available in Tennessee.
Underwriting by field in McMinnville
Drawn from the fields that actually practice here: 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 (44) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Primary care and family medicine (19) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| Specialty physician groups (16) | Ancillary revenue contribution, Provider productivity, Payer contracts | Ancillary build-out |
NPPES supplies the McMinnville counts. The reading columns describe the field in general, and no partner reviewing a McMinnville file is bound by them.
How McMinnville prices against its neighbors
Density is the number that moves an appraisal: 104.0 per 10,000 here
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| McMinnville (current) | 14,032 | 146 | 104.0 | |
| Manchester | 13,484 | 145 | 107.5 | 22 |
| Tullahoma | 21,035 | 289 | 137.4 | 33 |
| Cookeville | 37,102 | 596 | 160.6 | 35 |
| Winchester | 10,251 | 136 | 132.7 | 39 |
| Shelbyville | 25,792 | 175 | 67.9 | 40 |
| Crossville | 12,785 | 261 | 204.1 | 46 |
What the geography does to a McMinnville projection
52 miles separate McMinnville from Chattanooga, TN-GA. Rent comparables cross that gap; patients mostly do not. At $43,348 median household income, the elective and cash-pay share of a projection is the line that gets tested first. Because a certified hospital sits inside the town, both the referral path and the pay a clinical hire expects are already observable. Higher education here explains why summer looks unlike the rest of the year. McMinnville is the Warren County seat, so county employment steadies the payer mix.
Nearby Tennessee towns
- Manchester 13,484 residents
- Tullahoma 21,035 residents
- Cookeville 37,102 residents
- Winchester 10,251 residents
- Shelbyville 25,792 residents
- Crossville 12,785 residents
What owners in McMinnville ask
01How many providers practice in McMinnville, and in what?
Across 23 fields, McMinnville carries 146 enumerated clinicians, 104.0 per 10,000 of the 14,032 people living here. The concentration is in physical, occupational, and speech therapy, 44 of the total, then primary care and family medicine at 19. Count practices from that only with care.
02What does Warren County's shortage designation change?
Warren County holds a HRSA designation covering primary care, dental, mental health. A pro forma for McMinnville can cite it as the reason a vacancy is fillable, which is usually the weakest line in a ramp schedule.
03Why does Warren County show so little SBA activity?
Warren 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. 43 lending establishments operate locally.
04How does the hospital in McMinnville 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 104.0 per 10,000 market.
05Which fields carry the volume in McMinnville?
The 23 enumerated fields are led by physical, occupational, and speech therapy at 44, with primary care and family medicine at 19 behind it. Those two counts double as the competition you are entering and the bench you would hire from.
06Is McMinnville underwritten as part of Chattanooga, TN-GA?
Partly. Chattanooga, TN-GA is 52 miles out, so rent and equipment comparables travel in from there while patients still come from the 14,032 residents around McMinnville. 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
- 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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