Tennessee micro-market
Healthcare practice financing in Oakland, Tennessee
Direct answer
Fayette County carries 0 SBA healthcare approvals worth $0, and inside Oakland the census shows 44 enumerated clinicians against 10,769 residents, 40.9 per 10,000, 25 percent of them in physical, occupational, and speech therapy. Memphis, TN-MS-AR lies 26 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: 10,769 residents (10K-25K band)1
- Healthcare providers registered here: 44 across 14 fields2
- Median household income: $89,2403
- Largest provider field: Physical, occupational, and speech therapy: 11 registered providers2
- Nearest metro: Memphis, TN-MS-AR, 26 miles1
- Lending establishments in the county: 25 credit intermediation establishments4
Oakland clinicians, by field
The NPPES file puts 44 enumerated clinicians inside Oakland, spread over 14 fields at 40.9 per 10,000 residents
| Practice type | Count | Rate per 10,000 residents | Published by |
|---|---|---|---|
| Physical, occupational, and speech therapy | 11 | 10.2 | NPPES [2] |
| Primary care and family medicine | 6 | 5.6 | NPPES [2] |
| Home health | 4 | 3.7 | NPPES [2] |
| Independent pharmacy | 4 | 3.7 | NPPES [2] |
| General dentistry | 3 | 2.8 | NPPES [2] |
| DME and HME suppliers | 2 | 1.9 | NPPES [2] |
| Urgent care | 2 | 1.9 | NPPES [2] |
| Chiropractic | 2 | 1.9 | NPPES [2] |
| Non-medical home care | 2 | 1.9 | NPPES [2] |
| Specialty physician groups | 2 | 1.9 | NPPES [2] |
| Optometry and ophthalmology | 2 | 1.9 | NPPES [2] |
| Behavioral and mental health group practices | 2 | 1.9 | NPPES [2] |
| Dental specialties | 1 | 0.9 | NPPES [2] |
| NEMT and ambulance | 1 | 0.9 | NPPES [2] |
| Medical equipment suppliers | 3 | CMS [5] |
A single Oakland practice can hold more than one of these numbers. 25 percent sit in physical, occupational, and speech therapy, counted as clinicians rather than as owners.
What lenders have already approved in Fayette County
With 0 healthcare approvals recorded, Fayette County gives a valuation almost nothing local to lean on
| Line | Amount | Reading and source |
|---|---|---|
| Approvals on record | 0 | Counted for the fiscal year the SBA publishes [6] |
| Total approved capital | $0 | Everything approved to healthcare borrowers, added up [6] |
| Mean deal size | No approvals recorded | The dollar column over the approval column [6] |
| Lenders sited in the county | 25 | Places that write credit locally, NAICS 522 [4] |
The consequence of these numbers
40.9 per 10,000 is the first number a credit analyst converts into a realistic new-patient count. A short county record of 0 approvals usually means more documentation and a lower advance against the same collateral. With $89,240 as the median household income, the payer mix in a projection has to match what Oakland households actually spend.
Programs the Oakland 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 Oakland'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.
What a funder reads first in Oakland
Drawn from the fields that actually practice here: physical, occupational, and speech therapy, primary care and family medicine, home health
| Field | What the file turns on | The capital event behind most requests |
|---|---|---|
| Physical, occupational, and speech therapy (11) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Primary care and family medicine (6) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| Home health (4) | Medicare certification first, Payer mix second, Days in accounts receivable third | Payroll between visit and remittance |
Column one counts Oakland clinicians from the federal file. Columns two and three describe how the field is usually underwritten, and a partner can read a Oakland file differently.
Density beside the neighboring Tennessee towns
Density is the number that moves an appraisal: 40.9 per 10,000 here
| Comparable | People | Enumerations | Per 10,000 residents | Miles |
|---|---|---|---|---|
| Oakland (current) | 10,769 | 44 | 40.9 | |
| Arlington | 15,550 | 122 | 78.5 | 7 |
| Lakeland | 14,416 | 35 | 24.3 | 11 |
| Collierville | 51,951 | 334 | 64.3 | 15 |
| Bartlett | 56,708 | 430 | 75.8 | 16 |
| Germantown | 40,128 | 638 | 159.0 | 17 |
| Atoka | 10,624 | 46 | 43.3 | 20 |
What the geography does to a Oakland projection
26 miles separate Oakland from Memphis, TN-MS-AR. Rent comparables cross that gap; patients mostly do not. Households here carry $89,240 in median income, and that ceiling decides how much of a treatment plan gets started rather than deferred. No hospital operates here, so the referral sources and the call arrangement have to be named rather than assumed.
More of Tennessee
- Arlington 15,550 residents
- Lakeland 14,416 residents
- Collierville 51,951 residents
- Bartlett 56,708 residents
- Germantown 40,128 residents
- Atoka 10,624 residents
Oakland owners, answered
01How many providers practice in Oakland, and in what?
44 enumerations sit at Oakland addresses in the monthly NPPES file, working out to 40.9 for every 10,000 residents. 25 percent of them are physical, occupational, and speech therapy, and primary care and family medicine follows with 6. An enumeration is a clinician, so the 44 here cover fewer than 44 practices.
02What does Fayette County's shortage designation change?
Fayette County holds a HRSA designation covering primary care, dental, mental health. A pro forma for Oakland can cite it as the reason a vacancy is fillable, which is usually the weakest line in a ramp schedule.
03Why does Fayette County show so little SBA activity?
Fayette 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. 25 lending establishments operate locally.
04Is Oakland underwritten as part of Memphis, TN-MS-AR?
Memphis, TN-MS-AR sits 26 miles away, close enough that appraisers reach into that market for rent and resale comparables while your patient draw stays local. The comparables read Memphis, TN-MS-AR; the 10,769 residents set the ceiling a projection can defend.
05What does the underserved designation in Fayette County support?
Fayette County carries a medically underserved designation. It evidences unmet demand behind a capacity build, and it opens recruitment programs that make a staffing line in a projection easier to defend than local wage data alone would.
06There is no hospital here. Does that hurt a loan?
No Medicare-certified hospital operates in Oakland, so referral flow and staffing come from Fayette County and from Memphis, TN-MS-AR. Name the referral sources and the call arrangement and it stays a logistics question.
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
- 4U.S. Census Bureau, County Business Patterns 2022
- 5CMS Care Compare provider datasets
- 6U.S. Small Business Administration, 7(a) and 504 approvals
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