Texas micro-market
Healthcare practice financing in Anna, Texas
Direct answer
31,986 residents, 93 enumerated clinicians, 29.1 per 10,000, 33 percent of them in physical, occupational, and speech therapy: that is the Anna market a funder prices. Collin County adds 81 healthcare approvals worth $61,993,400 and 20 miles of distance to Sherman-Denison, TX.
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. Which programs can be referred from Texas, and which cannot, is set out on the Texas page.
- Population: 31,986 residents (25K-50K band)1
- Healthcare providers registered here: 93 across 19 fields2
- Median household income: $99,3753
- Largest provider field: Physical, occupational, and speech therapy: 31 registered providers2
- Medicare-certified providers in town: 2 across 1 categories4
- Nearest metro: Sherman-Denison, TX, 20 miles1
What NPPES records at Anna addresses
Counted at the town's own addresses: 93 providers, 19 fields, 29.1 clinicians per 10,000 of the 31,986 residents here
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| Physical, occupational, and speech therapy | 31 | 9.7 | NPPES [2] |
| General dentistry | 11 | 3.4 | NPPES [2] |
| Home health | 10 | 3.1 | NPPES [2] |
| DME and HME suppliers | 9 | 2.8 | NPPES [2] |
| Chiropractic | 6 | 1.9 | NPPES [2] |
| Non-medical home care | 5 | 1.6 | NPPES [2] |
| Optometry and ophthalmology | 4 | 1.3 | NPPES [2] |
| Primary care and family medicine | 2 | 0.6 | NPPES [2] |
| ASCs and OBLs | 2 | 0.6 | NPPES [2] |
| Dental specialties | 2 | 0.6 | NPPES [2] |
| Independent pharmacy | 2 | 0.6 | NPPES [2] |
| Specialty physician groups | 2 | 0.6 | NPPES [2] |
| Podiatry | 1 | 0.3 | NPPES [2] |
| NEMT and ambulance | 1 | 0.3 | NPPES [2] |
| ABA and autism therapy | 1 | 0.3 | NPPES [2] |
| Hormone, TRT, and men's health clinics | 1 | 0.3 | NPPES [2] |
| Behavioral and mental health group practices | 1 | 0.3 | NPPES [2] |
| Telehealth and virtual clinics | 1 | 0.3 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 1 | 0.3 | NPPES [2] |
| Medical equipment suppliers | 4 | CMS [4] | |
| Ambulatory surgical centers | 2 | CMS [4] |
Physical, occupational, and speech therapy carries 31 of the 93 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
What Collin County credit files already show
Lenders in Collin County have already closed 81 healthcare approvals, averaging $765,351, which is the size a new file gets read beside
| What it measures | Value | How to read it |
|---|---|---|
| Healthcare files approved | 81 | Fiscal year published in the SBA file [5] |
| Dollars behind them | $61,993,400 | Sum of approvals to healthcare borrowers [5] |
| Typical approval size | $765,351 | Dollars divided by approvals [5] |
| Credit offices operating locally | 708 | Credit intermediation establishments, NAICS 522 [6] |
What the two tables above change about a file
Underwriting starts with 29.1 providers per 10,000 residents, because that ratio caps how fast a chair or a room fills. Because Collin County already carries $61,993,400 across 81 healthcare approvals, a request near that average moves faster than one well above it. A $99,375 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
- Medical receivables factoring
- Equipment financing and leasing
Built from what is enumerated here rather than from a national list, so a field with no presence in Anna does not appear. Availability is still a Texas question.
What a funder reads first in Anna
physical, occupational, and speech therapy, general dentistry, home health account for most of what is enumerated in Anna, so those are the files funders see from this town
| Field | What the file turns on | The capital event behind most requests |
|---|---|---|
| Physical, occupational, and speech therapy (31) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| General dentistry (11) | Three years of collections history, Hygiene as a share of collections, Overhead ratio and owner add-backs | Acquisition of an established practice |
| Home health (10) | Medicare certification first, Payer mix second, Days in accounts receivable third | Payroll between visit and remittance |
Column one counts Anna clinicians from the federal file. Columns two and three describe how the field is usually underwritten, and a partner can read a Anna file differently.
Density beside the neighboring Texas towns
Comparables travel. These are the Texas towns whose density, at 29.1 per 10,000 here, gets weighed beside this one.
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Anna (current) | 31,986 | 93 | 29.1 | |
| Melissa | 26,194 | 105 | 40.1 | 4 |
| Princeton | 37,019 | 81 | 21.9 | 12 |
| Celina | 51,661 | 143 | 27.7 | 14 |
| Fairview | 10,922 | 46 | 42.1 | 15 |
| Prosper | 44,503 | 385 | 86.5 | 16 |
| Sherman | 50,229 | 595 | 118.5 | 20 |
Distance, income, and the wage floor around Anna
Sherman-Denison, TX lies 20 miles from Anna, close enough that appraisers price the lease against Sherman-Denison, TX rents while 31,986 residents set the revenue ceiling. Median household income runs $99,375, which is the number a funder converts into case acceptance on anything elective or cash-pay. Referral flow comes from outside Anna, which a projection needs to state plainly.
Other Texas markets
Questions from Anna
01How many providers practice in Anna, and in what?
93 enumerations sit at Anna addresses in the monthly NPPES file, working out to 29.1 for every 10,000 residents. 33 percent of them are physical, occupational, and speech therapy, and general dentistry follows with 11. An enumeration is a clinician, so the 93 here cover fewer than 93 practices.
02What does Collin County's shortage designation change?
Collin County holds a HRSA designation covering primary care, dental, mental health. A pro forma for Anna can cite it as the reason a vacancy is fillable, which is usually the weakest line in a ramp schedule.
03What does SBA lending look like around Anna?
Healthcare borrowers in Collin County took 81 approvals worth $61,993,400 in the published fiscal year, averaging $765,351. That is the comparable set an appraiser near Anna reaches for first.
04Is Anna underwritten as part of Sherman-Denison, TX?
Comparables and demand split at 20 miles. An appraiser prices the lease and the equipment off Sherman-Denison, TX; the revenue line has to hold up against 31,986 local residents.
05Which fields carry the volume in Anna?
The 19 enumerated fields are led by physical, occupational, and speech therapy at 31, with general dentistry at 11 behind it. Those two counts double as the competition you are entering and the bench you would hire from.
06What does a $99,375 median income mean for case acceptance?
Median household income in Anna runs $99,375. 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.
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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