Texas micro-market
Healthcare practice financing in Copperas Cove, Texas
Direct answer
39,627 residents, 123 enumerated clinicians, 31.0 per 10,000, 28 percent of them in physical, occupational, and speech therapy: that is the Copperas Cove market a funder prices. Coryell County adds 0 healthcare approvals worth $0 and 11 miles of distance to Killeen-Temple, 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: 39,627 residents (25K-50K band)1
- Healthcare providers registered here: 123 across 19 fields2
- Median household income: $68,9003
- Largest provider field: Physical, occupational, and speech therapy: 34 registered providers2
- Nearest metro: Killeen-Temple, TX, 11 miles1
- Lending establishments in the county: 36 credit intermediation establishments4
Who is enumerated in Copperas Cove
Counted at the town's own addresses: 123 providers, 19 fields, 31.0 clinicians per 10,000 of the 39,627 residents here
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Physical, occupational, and speech therapy | 34 | 8.6 | NPPES [2] |
| DME and HME suppliers | 15 | 3.8 | NPPES [2] |
| General dentistry | 14 | 3.5 | NPPES [2] |
| Primary care and family medicine | 9 | 2.3 | NPPES [2] |
| Behavioral and mental health group practices | 9 | 2.3 | NPPES [2] |
| Chiropractic | 8 | 2.0 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 6 | 1.5 | NPPES [2] |
| Optometry and ophthalmology | 5 | 1.3 | NPPES [2] |
| Home health | 4 | 1.0 | NPPES [2] |
| Non-medical home care | 4 | 1.0 | NPPES [2] |
| Dental specialties | 3 | 0.8 | NPPES [2] |
| Independent pharmacy | 3 | 0.8 | NPPES [2] |
| Urgent care | 2 | 0.5 | NPPES [2] |
| ABA and autism therapy | 2 | 0.5 | NPPES [2] |
| Podiatry | 1 | 0.3 | NPPES [2] |
| NEMT and ambulance | 1 | 0.3 | NPPES [2] |
| Hospice and palliative | 1 | 0.3 | NPPES [2] |
| Clinical and toxicology labs | 1 | 0.3 | NPPES [2] |
| Occupational health and drug testing | 1 | 0.3 | NPPES [2] |
| Medical equipment suppliers | 3 | CMS [5] |
Physical, occupational, and speech therapy carries 34 of the 123 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
Loan activity in Coryell County
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 |
|---|---|---|
| Healthcare files approved | 0 | Counted for the fiscal year the SBA publishes [6] |
| Dollars behind them | $0 | Everything approved to healthcare borrowers, added up [6] |
| Typical approval size | No approvals recorded | The dollar column over the approval column [6] |
| Credit offices operating locally | 36 | Places that write credit locally, NAICS 522 [4] |
What the two tables above change about a file
Underwriting starts with 31.0 providers per 10,000 residents, because that ratio caps how fast a chair or a room fills. With 0 approvals on record in Coryell County, expect a longer appraisal and a wider collateral discount. Household income of $68,900 in Copperas Cove is the number a lender uses to sanity check the self-pay share of a revenue projection.
Where a file from this town usually lands
- Practice acquisition
- Startup and de novo
- Working capital term loan
- Equipment financing and leasing
- Expansion, relocation, and build-out
Ranked from the 19 fields that actually practice in Copperas Cove, weighted toward physical, occupational, and speech therapy. Availability still depends on Texas and on the funding partner.
What a funder reads first in Copperas Cove
physical, occupational, and speech therapy, dme and hme suppliers, general dentistry account for most of what is enumerated in Copperas Cove, 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 (34) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| DME and HME suppliers (15) | Accreditation and surety bond status, Rental versus sale revenue split, Denial rate and documentation quality | Inventory and rental fleet |
| General dentistry (14) | Three years of collections history, Hygiene as a share of collections, Overhead ratio and owner add-backs | Acquisition of an established practice |
Column one counts Copperas Cove clinicians from the federal file. Columns two and three describe how the field is usually underwritten, and a partner can read a Copperas Cove file differently.
Copperas Cove against nearby Texas markets
Comparables travel. These are the Texas towns whose density, at 31.0 per 10,000 here, gets weighed beside this one.
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Copperas Cove (current) | 39,627 | 123 | 31.0 | |
| Harker Heights | 35,263 | 267 | 75.7 | 17 |
| Gatesville | 16,388 | 66 | 40.3 | 24 |
| Belton | 25,635 | 198 | 77.2 | 26 |
| Temple | 96,267 | 1,209 | 125.6 | 31 |
| Liberty Hill | 11,984 | 81 | 67.6 | 31 |
| Leander | 87,511 | 300 | 34.3 | 38 |
Distance, income, and the wage floor around Copperas Cove
Killeen-Temple, TX lies 11 miles from Copperas Cove, close enough that appraisers price the lease against Killeen-Temple, TX rents while 39,627 residents set the revenue ceiling. Median household income runs $68,900, which is the number a funder converts into case acceptance on anything elective or cash-pay. No hospital operates here, so the referral sources and the call arrangement have to be named rather than assumed.
Nearby Texas towns
- Harker Heights 35,263 residents
- Gatesville 16,388 residents
- Belton 25,635 residents
- Temple 96,267 residents
- Liberty Hill 11,984 residents
- Leander 87,511 residents
Questions from Copperas Cove
01How many providers practice in Copperas Cove, and in what?
123 enumerations sit at Copperas Cove addresses in the monthly NPPES file, working out to 31.0 for every 10,000 residents. 28 percent of them are physical, occupational, and speech therapy, and dme and hme suppliers follows with 15. An enumeration is a clinician, so the 123 here cover fewer than 123 practices.
02What does Coryell County's shortage designation change?
HRSA designates Coryell County for primary care, dental, mental health. That opens loan repayment programs for clinicians recruited into Copperas Cove and evidences a staffing ramp in a 39,627 resident market.
03Why does Coryell County show so little SBA activity?
Coryell 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. 36 lending establishments operate locally.
04Which fields carry the volume in Copperas Cove?
Volume concentrates in physical, occupational, and speech therapy, 34 of them, ahead of dme and hme suppliers at 15, across 19 fields. A thin second field usually means a longer search for staff than a pro forma allows for.
05Is Copperas Cove underwritten as part of Killeen-Temple, TX?
Killeen-Temple, TX sits 11 miles away, close enough that appraisers reach into that market for rent and resale comparables while your patient draw stays local. The comparables read Killeen-Temple, TX; the 39,627 residents set the ceiling a projection can defend.
06What does the underserved designation in Coryell County support?
Coryell 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.
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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