Tennessee micro-market
Healthcare practice financing in Shelbyville, Tennessee
Direct answer
175 healthcare providers hold a Shelbyville practice address, 67.9 per 10,000 of its 25,792 residents, 26 percent of them in physical, occupational, and speech therapy. Bedford County recorded 0 SBA healthcare approvals worth $0, and Nashville-Davidson--Murfreesboro--Franklin, TN sits 50 miles out.
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- Population: 25,792 residents (25K-50K band)1
- Healthcare providers registered here: 175 across 22 fields2
- Median household income: $52,2903
- Largest provider field: Physical, occupational, and speech therapy: 46 registered providers2
- Medicare-certified providers in town: 1 across 1 categories4
- Nearest metro: Nashville-Davidson--Murfreesboro--Franklin, TN, 50 miles1
What NPPES records at Shelbyville addresses
67.9 providers per 10,000 residents is what 175 enumerations across 22 fields works out to in a town of 25,792
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| Physical, occupational, and speech therapy | 46 | 17.8 | NPPES [2] |
| Primary care and family medicine | 32 | 12.4 | NPPES [2] |
| General dentistry | 13 | 5.0 | NPPES [2] |
| Specialty physician groups | 12 | 4.7 | NPPES [2] |
| DME and HME suppliers | 11 | 4.3 | NPPES [2] |
| Chiropractic | 11 | 4.3 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 11 | 4.3 | NPPES [2] |
| Optometry and ophthalmology | 10 | 3.9 | NPPES [2] |
| Independent pharmacy | 4 | 1.6 | NPPES [2] |
| Behavioral and mental health group practices | 4 | 1.6 | NPPES [2] |
| Telehealth and virtual clinics | 4 | 1.6 | NPPES [2] |
| Urgent care | 3 | 1.2 | NPPES [2] |
| Non-medical home care | 3 | 1.2 | NPPES [2] |
| Home health | 2 | 0.8 | NPPES [2] |
| ABA and autism therapy | 2 | 0.8 | NPPES [2] |
| ASCs and OBLs | 1 | 0.4 | NPPES [2] |
| SUD treatment and residential | 1 | 0.4 | NPPES [2] |
| Dental specialties | 1 | 0.4 | NPPES [2] |
| NEMT and ambulance | 1 | 0.4 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 1 | 0.4 | NPPES [2] |
| Dialysis and infusion centers | 1 | 0.4 | NPPES [2] |
| Occupational health and drug testing | 1 | 0.4 | NPPES [2] |
| Medical equipment suppliers | 6 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] |
Several of the 46 physical, occupational, and speech therapy enumerations can belong to one practice, so the column counts clinicians rather than businesses or owners
The lending record behind Shelbyville
With 0 healthcare approvals recorded, Bedford County gives a valuation almost nothing local to lean on
| Measure | Published figure | What sits behind it |
|---|---|---|
| Healthcare files approved | 0 | One published fiscal year, healthcare borrowers only [5] |
| Dollars behind them | $0 | Approved, not disbursed, and not net of withdrawals [5] |
| Typical approval size | No approvals recorded | A mean, so one large approval moves it [5] |
| Credit offices operating locally | 26 | Credit intermediation offices sited in the county [6] |
How this data lands in an underwriting decision
67.9 per 10,000 is the first number a credit analyst converts into a realistic new-patient count. Bedford County has 0 approvals to compare against, so plan for extra appraisal time and a conservative valuation. A $52,290 median household income here sets the ceiling on what an elective or cash-pay line can be expected to carry.
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 Shelbyville's own provider mix, which physical, occupational, and speech therapy dominates at 26 percent. What a partner can actually place in Tennessee is a separate question.
Underwriting by field in Shelbyville
physical, occupational, and speech therapy, primary care and family medicine, general dentistry account for most of what is enumerated in Shelbyville, so those are the files funders see from this town
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| Physical, occupational, and speech therapy (46) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Primary care and family medicine (32) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| General dentistry (13) | Three years of collections history, Hygiene as a share of collections, Overhead ratio and owner add-backs | Acquisition of an established practice |
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.
Density beside the neighboring Tennessee towns
Set Shelbyville's 67.9 per 10,000 against the towns an appraiser would reach for next
| Comparable | People | Enumerations | Per 10,000 residents | Miles |
|---|---|---|---|---|
| Shelbyville (current) | 25,792 | 175 | 67.9 | |
| Tullahoma | 21,035 | 289 | 137.4 | 16 |
| Lewisburg | 13,473 | 116 | 86.1 | 19 |
| Manchester | 13,484 | 145 | 107.5 | 22 |
| Winchester | 10,251 | 136 | 132.7 | 29 |
| Spring Hill | 59,398 | 290 | 48.8 | 31 |
| Columbia | 48,812 | 495 | 101.4 | 34 |
Distance, income, and the wage floor around Shelbyville
Nashville-Davidson--Murfreesboro--Franklin, TN lies 50 miles from Shelbyville, close enough for rent comparables to travel and far enough that patient draw does not. At $52,290 median household income, the elective and cash-pay share of a projection is the line that gets tested first. The Medicare-certified hospital in Shelbyville sets the local wage floor before you hire against it. A degree-granting institution here moves volume on the academic calendar. Shelbyville is the Bedford County seat, so county employment steadies the payer mix.
Other Tennessee markets
- Tullahoma 21,035 residents
- Lewisburg 13,473 residents
- Manchester 13,484 residents
- Winchester 10,251 residents
- Spring Hill 59,398 residents
- Columbia 48,812 residents
Shelbyville owners, answered
01How many providers practice in Shelbyville, and in what?
NPPES lists 175 providers at a Shelbyville practice address, 67.9 per 10,000 residents across 22 tracked fields. Physical, occupational, and speech therapy accounts for 46 of them, 26 percent of the total, with primary care and family medicine next at 32. Read that as clinicians: 175 enumerations, not 175 owners.
02What does Bedford County's shortage designation change?
The primary care, dental, mental health designation HRSA carries on Bedford County is a recruiting instrument: it puts repayment incentives in front of candidates, which is how a hiring plan for 25,792 residents gets past the question of who would take the job.
03Why does Bedford County show so little SBA activity?
The published file records 0 7(a) and 504 approvals to healthcare borrowers in Bedford County. That tracks how few Bedford County practices changed hands that year, not credit quality. 26 credit intermediation establishments operate in Bedford County, so the lending capacity is local even where the healthcare history is not.
04How does the hospital in Shelbyville affect a practice file?
It makes the staffing and referral lines checkable. 1 Medicare-certified providers hold Shelbyville addresses, and the hospital sets the wage a clinical hire is bid against in a 67.9 per 10,000 market.
05What does a $52,290 median income mean for case acceptance?
Median household income in Shelbyville runs $52,290. 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.
06Which fields carry the volume in Shelbyville?
Physical, occupational, and speech therapy at 46 providers and primary care and family medicine at 32 lead the 22 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.
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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