Texas micro-market
Healthcare practice financing in Athens, Texas
Direct answer
Henderson County carries 0 SBA healthcare approvals worth $0, and inside Athens the census shows 163 enumerated clinicians against 13,575 residents, 120.1 per 10,000, 21 percent of them in primary care and family medicine. Tyler, TX lies 32 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. Which programs can be referred from Texas, and which cannot, is set out on the Texas page.
- Population: 13,575 residents (10K-25K band)1
- Healthcare providers registered here: 163 across 24 fields2
- Median household income: $70,6013
- Largest provider field: Primary care and family medicine: 35 registered providers2
- Medicare-certified providers in town: 5 across 2 categories4
- Nearest metro: Tyler, TX, 32 miles1
The clinical base a lender can verify here
120.1 providers per 10,000 residents is what 163 enumerations across 24 fields works out to in a town of 13,575
| Practice type | Count | Rate per 10,000 residents | Published by |
|---|---|---|---|
| Primary care and family medicine | 35 | 25.8 | NPPES [2] |
| Physical, occupational, and speech therapy | 28 | 20.6 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 13 | 9.6 | NPPES [2] |
| DME and HME suppliers | 11 | 8.1 | NPPES [2] |
| General dentistry | 11 | 8.1 | NPPES [2] |
| Chiropractic | 10 | 7.4 | NPPES [2] |
| Optometry and ophthalmology | 10 | 7.4 | NPPES [2] |
| Home health | 9 | 6.6 | NPPES [2] |
| Specialty physician groups | 8 | 5.9 | NPPES [2] |
| Dental specialties | 6 | 4.4 | NPPES [2] |
| Independent pharmacy | 5 | 3.7 | NPPES [2] |
| Audiology and hearing centers | 2 | 1.5 | NPPES [2] |
| Hospice and palliative | 2 | 1.5 | NPPES [2] |
| Behavioral and mental health group practices | 2 | 1.5 | NPPES [2] |
| Dialysis and infusion centers | 2 | 1.5 | NPPES [2] |
| Podiatry | 1 | 0.7 | NPPES [2] |
| Urgent care | 1 | 0.7 | NPPES [2] |
| ASCs and OBLs | 1 | 0.7 | NPPES [2] |
| Mobile diagnostics | 1 | 0.7 | NPPES [2] |
| Med spa and aesthetics | 1 | 0.7 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 1 | 0.7 | NPPES [2] |
| Clinical and toxicology labs | 1 | 0.7 | NPPES [2] |
| Telehealth and virtual clinics | 1 | 0.7 | NPPES [2] |
| Occupational health and drug testing | 1 | 0.7 | NPPES [2] |
| Medical equipment suppliers | 10 | CMS [4] | |
| Home health agencies | 4 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] |
Several of the 35 primary care and family medicine enumerations can belong to one practice, so the column counts clinicians rather than businesses or owners
Loan activity in Henderson County
The county file holds 0 healthcare approvals, which is a thin comparable set for anyone pricing collateral
| Measure | Published figure | What sits behind it |
|---|---|---|
| Approvals on record | 0 | Counted for the fiscal year the SBA publishes [5] |
| Total approved capital | $0 | Everything approved to healthcare borrowers, added up [5] |
| Mean deal size | No approvals recorded | The dollar column over the approval column [5] |
| Lenders sited in the county | 50 | Places that write credit locally, NAICS 522 [6] |
What the two tables above change about a file
120.1 per 10,000 is the first number a credit analyst converts into a realistic new-patient count. Henderson County has 0 approvals to compare against, so plan for extra appraisal time and a conservative valuation. Household income of $70,601 in Athens is the number a lender uses to sanity check the self-pay share of a revenue projection.
The programs this provider mix points at
- Practice acquisition
- Working capital term loan
- Startup and de novo
- 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 Athens does not appear. Availability is still a Texas question.
The first pages of a Athens file
Drawn from the fields that actually practice here: primary care and family medicine, physical, occupational, and speech therapy, skilled nursing, assisted living, and memory care
| Field | What the file turns on | The capital event behind most requests |
|---|---|---|
| Primary care and family medicine (35) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| Physical, occupational, and speech therapy (28) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Skilled nursing, assisted living, and memory care (13) | Census and occupancy, Staffing reporting, Survey history | Working capital |
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.
Athens against nearby Texas markets
Comparables travel. These are the Texas towns whose density, at 120.1 per 10,000 here, gets weighed beside this one.
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Athens (current) | 13,575 | 163 | 120.1 | |
| Palestine | 19,583 | 193 | 98.6 | 33 |
| Jacksonville | 14,639 | 125 | 85.4 | 37 |
| Corsicana | 25,591 | 221 | 86.4 | 38 |
| Terrell | 22,977 | 185 | 80.5 | 45 |
| Ennis | 24,753 | 166 | 67.1 | 48 |
| Forney | 38,572 | 319 | 82.7 | 52 |
What the geography does to a Athens projection
32 miles separate Athens from Tyler, TX. Rent comparables cross that gap; patients mostly do not. At $70,601 median household income, the elective and cash-pay share of a projection is the line that gets tested first. A Medicare-certified hospital operates here, so referral flow is verifiable and the clinical wage floor is already set. Campus terms, not calendar quarters, set the busy months in Athens. Athens is the Henderson County seat, so county employment steadies the payer mix.
Nearby Texas towns
What owners in Athens ask
01How many providers practice in Athens, and in what?
Across 24 fields, Athens carries 163 enumerated clinicians, 120.1 per 10,000 of the 13,575 people living here. The concentration is in primary care and family medicine, 35 of the total, then physical, occupational, and speech therapy at 28. Count practices from that only with care.
02Why does Henderson County show so little SBA activity?
Henderson 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. 50 lending establishments operate locally.
03What does Henderson County's shortage designation change?
The primary care, dental, mental health designation HRSA carries on Henderson County is a recruiting instrument: it puts repayment incentives in front of candidates, which is how a hiring plan for 13,575 residents gets past the question of who would take the job.
04How does the hospital in Athens 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. 5 Medicare-certified providers are located here in total. It also sets the wage floor behind every hire in a 120.1 per 10,000 market.
05Which fields carry the volume in Athens?
The 24 enumerated fields are led by primary care and family medicine at 35, with physical, occupational, and speech therapy at 28 behind it. Those two counts double as the competition you are entering and the bench you would hire from.
06Is Athens underwritten as part of Tyler, TX?
Tyler, TX sits 32 miles away, close enough that appraisers reach into that market for rent and resale comparables while your patient draw stays local. The comparables read Tyler, TX; the 13,575 residents set the ceiling a projection can defend.
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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