Tennessee micro-market
Healthcare practice financing in Tullahoma, Tennessee
Direct answer
21,035 residents, 289 enumerated clinicians, 137.4 per 10,000, 30 percent of them in physical, occupational, and speech therapy: that is the Tullahoma market a funder prices. Coffee County adds 0 healthcare approvals worth $0 and 53 miles of distance to Huntsville, AL.
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: 21,035 residents (10K-25K band)1
- Healthcare providers registered here: 289 across 28 fields2
- Median household income: $60,8553
- Largest provider field: Physical, occupational, and speech therapy: 87 registered providers2
- Medicare-certified providers in town: 4 across 3 categories4
- Nearest metro: Huntsville, AL, 53 miles1
The provider census in Tullahoma
137.4 providers per 10,000 residents is what 289 enumerations across 28 fields works out to in a town of 21,035
| Practice type | Count | Rate per 10,000 residents | Published by |
|---|---|---|---|
| Physical, occupational, and speech therapy | 87 | 41.4 | NPPES [2] |
| Primary care and family medicine | 31 | 14.7 | NPPES [2] |
| Behavioral and mental health group practices | 25 | 11.9 | NPPES [2] |
| Optometry and ophthalmology | 21 | 10.0 | NPPES [2] |
| General dentistry | 20 | 9.5 | NPPES [2] |
| Specialty physician groups | 17 | 8.1 | NPPES [2] |
| Dental specialties | 13 | 6.2 | NPPES [2] |
| Chiropractic | 11 | 5.2 | NPPES [2] |
| DME and HME suppliers | 9 | 4.3 | NPPES [2] |
| Independent pharmacy | 6 | 2.9 | NPPES [2] |
| Dermatology | 5 | 2.4 | NPPES [2] |
| Audiology and hearing centers | 5 | 2.4 | NPPES [2] |
| Non-medical home care | 5 | 2.4 | NPPES [2] |
| ABA and autism therapy | 4 | 1.9 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 4 | 1.9 | NPPES [2] |
| Urgent care | 3 | 1.4 | NPPES [2] |
| ASCs and OBLs | 3 | 1.4 | NPPES [2] |
| NEMT and ambulance | 3 | 1.4 | NPPES [2] |
| Med spa and aesthetics | 3 | 1.4 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 3 | 1.4 | NPPES [2] |
| SUD treatment and residential | 2 | 1.0 | NPPES [2] |
| Hospice and palliative | 2 | 1.0 | NPPES [2] |
| Plastic and cosmetic surgery | 2 | 1.0 | NPPES [2] |
| Podiatry | 1 | 0.5 | NPPES [2] |
| Home health | 1 | 0.5 | NPPES [2] |
| Clinical and toxicology labs | 1 | 0.5 | NPPES [2] |
| Dialysis and infusion centers | 1 | 0.5 | NPPES [2] |
| Telehealth and virtual clinics | 1 | 0.5 | NPPES [2] |
| Medical equipment suppliers | 10 | CMS [4] | |
| Ambulatory surgical centers | 2 | CMS [4] | |
| Hospice providers | 1 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] |
Physical, occupational, and speech therapy carries 87 of the 289 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
The lending record behind Tullahoma
The county file holds 0 healthcare approvals, which is a thin comparable set for anyone pricing collateral
| What it measures | Value | How to read it |
|---|---|---|
| SBA healthcare approvals | 0 | One published fiscal year, healthcare borrowers only [5] |
| Approved dollars | $0 | Approved, not disbursed, and not net of withdrawals [5] |
| Average approval | No approvals recorded | A mean, so one large approval moves it [5] |
| Lending establishments in the county | 61 | Credit intermediation offices sited in the county [6] |
Reading Tullahoma the way a credit committee does
Underwriting starts with 137.4 providers per 10,000 residents, because that ratio caps how fast a chair or a room fills. Coffee County has 0 approvals to compare against, so plan for extra appraisal time and a conservative valuation. A $60,855 median household income here sets the ceiling on what an elective or cash-pay line can be expected to carry.
Where a file from this town usually lands
- Practice acquisition
- Startup and de novo
- Working capital term loan
- Expansion, relocation, and build-out
- Equipment financing and leasing
Built from what is enumerated here rather than from a national list, so a field with no presence in Tullahoma does not appear. Availability is still a Tennessee question.
Underwriting by field in Tullahoma
Drawn from the fields that actually practice here: physical, occupational, and speech therapy, primary care and family medicine, behavioral and mental health group practices
| Field | What the file turns on | The capital event behind most requests |
|---|---|---|
| Physical, occupational, and speech therapy (87) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Primary care and family medicine (31) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| Behavioral and mental health group practices (25) | Clinician retention and productivity, Payer mix and Medicaid concentration, Re-authorization and session limit exposure | Working capital through the credentialing lag |
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.
Tullahoma against nearby Tennessee markets
137.4 per 10,000 is the figure a neighboring town gets compared against when an appraiser prices Tullahoma
| Comparable | People | Enumerations | Per 10,000 residents | Miles |
|---|---|---|---|---|
| Tullahoma (current) | 21,035 | 289 | 137.4 | |
| Manchester | 13,484 | 145 | 107.5 | 10 |
| Winchester | 10,251 | 136 | 132.7 | 14 |
| Shelbyville | 25,792 | 175 | 67.9 | 16 |
| Lewisburg | 13,473 | 116 | 86.1 | 33 |
| McMinnville | 14,032 | 146 | 104.0 | 33 |
| Spring Hill | 59,398 | 290 | 48.8 | 47 |
How Tullahoma sits against the nearest metro
Distance to Huntsville, AL is 53 miles. That is close enough for rent in Tullahoma to be compared against the metro and far enough that patient draw is not. Median household income runs $60,855, which is the number a funder converts into case acceptance on anything elective or cash-pay. The Medicare-certified hospital in Tullahoma sets the local wage floor before you hire against it. Higher education here explains why summer looks unlike the rest of the year.
More of Tennessee
- Manchester 13,484 residents
- Winchester 10,251 residents
- Shelbyville 25,792 residents
- Lewisburg 13,473 residents
- McMinnville 14,032 residents
- Spring Hill 59,398 residents
What owners in Tullahoma ask
01How many providers practice in Tullahoma, and in what?
NPPES lists 289 providers at a Tullahoma practice address, 137.4 per 10,000 residents across 28 tracked fields. Physical, occupational, and speech therapy accounts for 87 of them, 30 percent of the total, with primary care and family medicine next at 31. Read that as clinicians: 289 enumerations, not 289 owners.
02What does Coffee County's shortage designation change?
Coffee County holds a HRSA designation covering primary care, dental, mental health. A pro forma for Tullahoma can cite it as the reason a vacancy is fillable, which is usually the weakest line in a ramp schedule.
03Why does Coffee County show so little SBA activity?
The published file records 0 7(a) and 504 approvals to healthcare borrowers in Coffee County. That tracks how few Coffee County practices changed hands that year, not credit quality. 61 credit intermediation establishments operate in Coffee County, so the lending capacity is local even where the healthcare history is not.
04How does the hospital in Tullahoma affect a practice file?
It makes the staffing and referral lines checkable. 4 Medicare-certified providers hold Tullahoma addresses, and the hospital sets the wage a clinical hire is bid against in a 137.4 per 10,000 market.
05Is Tullahoma underwritten as part of Huntsville, AL?
Huntsville, AL sits 53 miles away, close enough that appraisers reach into that market for rent and resale comparables while your patient draw stays local. The comparables read Huntsville, AL; the 21,035 residents set the ceiling a projection can defend.
06Is there local lending capacity in Coffee County?
County Business Patterns records 61 credit intermediation establishments in Coffee County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Tullahoma 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
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