Tennessee micro-market
Healthcare practice financing in Oak Ridge, Tennessee
Direct answer
Density decides a lot here. Oak Ridge runs 97.2 providers per 10,000 residents, 331 clinicians against 34,039 people, 21 percent of them in physical, occupational, and speech therapy, while Anderson County lenders have approved 1 healthcare files worth $50,000 and the nearest metro is 19 miles out.
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: 34,039 residents (25K-50K band)1
- Healthcare providers registered here: 331 across 29 fields2
- Median household income: $71,0003
- Largest provider field: Physical, occupational, and speech therapy: 68 registered providers2
- Medicare-certified providers in town: 3 across 2 categories4
- Nearest metro: Knoxville, TN, 19 miles1
Who is enumerated in Oak Ridge
97.2 providers per 10,000 residents is what 331 enumerations across 29 fields works out to in a town of 34,039
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| Physical, occupational, and speech therapy | 68 | 20.0 | NPPES [2] |
| Primary care and family medicine | 46 | 13.5 | NPPES [2] |
| Specialty physician groups | 33 | 9.7 | NPPES [2] |
| General dentistry | 28 | 8.2 | NPPES [2] |
| Optometry and ophthalmology | 25 | 7.3 | NPPES [2] |
| Dental specialties | 15 | 4.4 | NPPES [2] |
| Behavioral and mental health group practices | 15 | 4.4 | NPPES [2] |
| DME and HME suppliers | 12 | 3.5 | NPPES [2] |
| Home health | 12 | 3.5 | NPPES [2] |
| Chiropractic | 10 | 2.9 | NPPES [2] |
| Independent pharmacy | 9 | 2.6 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 7 | 2.1 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 7 | 2.1 | NPPES [2] |
| Audiology and hearing centers | 6 | 1.8 | NPPES [2] |
| Non-medical home care | 5 | 1.5 | NPPES [2] |
| Podiatry | 4 | 1.2 | NPPES [2] |
| Med spa and aesthetics | 4 | 1.2 | NPPES [2] |
| Telehealth and virtual clinics | 4 | 1.2 | NPPES [2] |
| Dermatology | 3 | 0.9 | NPPES [2] |
| ABA and autism therapy | 3 | 0.9 | NPPES [2] |
| Clinical and toxicology labs | 3 | 0.9 | NPPES [2] |
| Occupational health and drug testing | 3 | 0.9 | NPPES [2] |
| Urgent care | 2 | 0.6 | NPPES [2] |
| SUD treatment and residential | 2 | 0.6 | NPPES [2] |
| ASCs and OBLs | 1 | 0.3 | NPPES [2] |
| Pain management and interventional | 1 | 0.3 | NPPES [2] |
| Hormone, TRT, and men's health clinics | 1 | 0.3 | NPPES [2] |
| Plastic and cosmetic surgery | 1 | 0.3 | NPPES [2] |
| Dialysis and infusion centers | 1 | 0.3 | NPPES [2] |
| Medical equipment suppliers | 12 | CMS [4] | |
| Ambulatory surgical centers | 2 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] |
A single Oak Ridge practice can hold more than one of these numbers. 21 percent sit in physical, occupational, and speech therapy, counted as clinicians rather than as owners.
Loan activity in Anderson County
The county file holds 1 healthcare approvals, which is a thin comparable set for anyone pricing collateral
| Line | Amount | Reading and source |
|---|---|---|
| SBA healthcare approvals | 1 | Counted for the fiscal year the SBA publishes [5] |
| Approved dollars | $50,000 | Everything approved to healthcare borrowers, added up [5] |
| Average approval | $50,000 | The dollar column over the approval column [5] |
| Lending establishments in the county | 47 | Places that write credit locally, NAICS 522 [6] |
How this data lands in an underwriting decision
At 97.2 clinicians per 10,000 residents, the catchment radius in a projection has to be defended rather than assumed. With 1 approvals on record in Anderson County, expect a longer appraisal and a wider collateral discount. Household income of $71,000 in Oak Ridge is the number a lender uses to sanity check the self-pay share of a revenue projection.
Programs the Oak Ridge mix reaches for
- Practice acquisition
- Startup and de novo
- Expansion, relocation, and build-out
- Equipment financing and leasing
- Working capital term loan
Built from what is enumerated here rather than from a national list, so a field with no presence in Oak Ridge does not appear. Availability is still a Tennessee question.
The first pages of a Oak Ridge file
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 (68) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Primary care and family medicine (46) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| Specialty physician groups (33) | Ancillary revenue contribution, Provider productivity, Payer contracts | Ancillary build-out |
Column one counts Oak Ridge clinicians from the federal file. Columns two and three describe how the field is usually underwritten, and a partner can read a Oak Ridge file differently.
Oak Ridge against nearby Tennessee markets
The neighboring markets below are the ones a valuation borrows from when Oak Ridge has too few sales of its own
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Oak Ridge (current) | 34,039 | 331 | 97.2 | |
| Farragut | 25,242 | 52 | 20.6 | 9 |
| Clinton | 10,458 | 117 | 111.9 | 13 |
| Alcoa | 13,588 | 130 | 95.7 | 21 |
| Maryville | 32,373 | 531 | 164.0 | 23 |
| Athens | 15,050 | 241 | 160.1 | 39 |
| Sevierville | 18,231 | 278 | 152.5 | 40 |
How Oak Ridge sits against the nearest metro
Distance to Knoxville, TN is 19 miles. Appraisers borrow Knoxville, TN rents, and the 34,039 residents set the ceiling on collections. Median household income runs $71,000, which is the number a funder converts into case acceptance on anything elective or cash-pay. A Medicare-certified hospital operates here, so referral flow is verifiable and the clinical wage floor is already set.
More of Tennessee
Oak Ridge owners, answered
01How many providers practice in Oak Ridge, and in what?
NPPES lists 331 providers at a Oak Ridge practice address, 97.2 per 10,000 residents across 29 tracked fields. Physical, occupational, and speech therapy accounts for 68 of them, 21 percent of the total, with primary care and family medicine next at 46. Read that as clinicians: 331 enumerations, not 331 owners.
02What does Anderson County's shortage designation change?
Designated for primary care, dental, mental health, Anderson 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.
03Why does Anderson County show so little SBA activity?
Anderson County shows 1 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. 47 lending establishments operate locally.
04Is Oak Ridge underwritten as part of Knoxville, TN?
Knoxville, TN sits 19 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 34,039 residents set the ceiling a projection can defend.
05How does the hospital in Oak Ridge 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 97.2 per 10,000 market.
06Is 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 Oak Ridge 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
Our team reviews every request within 1 business day. If a funding partner thinks they can help, a specialist from that partner contacts you to discuss next steps.