Texas micro-market
Healthcare practice financing in Denison, Texas
Direct answer
Grayson County carries 4 SBA healthcare approvals worth $3,537,000, and inside Denison the census shows 287 enumerated clinicians against 26,446 residents, 108.5 per 10,000, 21 percent of them in physical, occupational, and speech therapy. Sherman-Denison, TX lies 10 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: 26,446 residents (25K-50K band)1
- Healthcare providers registered here: 287 across 27 fields2
- Median household income: $60,8213
- Largest provider field: Physical, occupational, and speech therapy: 60 registered providers2
- Medicare-certified providers in town: 4 across 3 categories4
- Nearest metro: Sherman-Denison, TX, 10 miles1
The provider census in Denison
108.5 providers per 10,000 residents is what 287 enumerations across 27 fields works out to in a town of 26,446
| Practice type | Count | Rate per 10,000 residents | Published by |
|---|---|---|---|
| Physical, occupational, and speech therapy | 60 | 22.7 | NPPES [2] |
| Specialty physician groups | 50 | 18.9 | NPPES [2] |
| Primary care and family medicine | 26 | 9.8 | NPPES [2] |
| General dentistry | 25 | 9.5 | NPPES [2] |
| Chiropractic | 22 | 8.3 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 19 | 7.2 | NPPES [2] |
| DME and HME suppliers | 14 | 5.3 | NPPES [2] |
| Optometry and ophthalmology | 14 | 5.3 | NPPES [2] |
| Independent pharmacy | 9 | 3.4 | NPPES [2] |
| Behavioral and mental health group practices | 9 | 3.4 | NPPES [2] |
| Home health | 7 | 2.6 | NPPES [2] |
| Dermatology | 5 | 1.9 | NPPES [2] |
| Dental specialties | 5 | 1.9 | NPPES [2] |
| Audiology and hearing centers | 3 | 1.1 | NPPES [2] |
| Non-medical home care | 3 | 1.1 | NPPES [2] |
| Hormone, TRT, and men's health clinics | 3 | 1.1 | NPPES [2] |
| Podiatry | 2 | 0.8 | NPPES [2] |
| ABA and autism therapy | 2 | 0.8 | NPPES [2] |
| Urgent care | 1 | 0.4 | NPPES [2] |
| ASCs and OBLs | 1 | 0.4 | NPPES [2] |
| SUD treatment and residential | 1 | 0.4 | NPPES [2] |
| Pain management and interventional | 1 | 0.4 | NPPES [2] |
| Hospice and palliative | 1 | 0.4 | NPPES [2] |
| Plastic and cosmetic surgery | 1 | 0.4 | NPPES [2] |
| Dialysis and infusion centers | 1 | 0.4 | NPPES [2] |
| Telehealth and virtual clinics | 1 | 0.4 | NPPES [2] |
| Occupational health and drug testing | 1 | 0.4 | NPPES [2] |
| Medical equipment suppliers | 6 | CMS [4] | |
| Home health agencies | 2 | CMS [4] | |
| Hospice providers | 1 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] |
A single Denison practice can hold more than one of these numbers. 21 percent sit in physical, occupational, and speech therapy, counted as clinicians rather than as owners.
The lending record behind Denison
4 healthcare approvals sit in the county file, so an appraiser here works from a short comparable set
| Line | Amount | Reading and source |
|---|---|---|
| SBA healthcare approvals | 4 | Fiscal year published in the SBA file [5] |
| Approved dollars | $3,537,000 | Sum of approvals to healthcare borrowers [5] |
| Average approval | $884,250 | Dollars divided by approvals [5] |
| Lending establishments in the county | 85 | Credit intermediation establishments, NAICS 522 [6] |
The consequence of these numbers
108.5 per 10,000 is the first number a credit analyst converts into a realistic new-patient count. With 4 approvals on record in Grayson County, expect a longer appraisal and a wider collateral discount. Household income of $60,821 in Denison 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
- Expansion, relocation, and build-out
- Equipment financing and leasing
- Working capital term loan
Built from what is enumerated here rather than from a national list, so a field with no presence in Denison does not appear. Availability is still a Texas question.
The first pages of a Denison file
Drawn from the fields that actually practice here: physical, occupational, and speech therapy, specialty physician groups, primary care and family medicine
| Field | What the file turns on | The capital event behind most requests |
|---|---|---|
| Physical, occupational, and speech therapy (60) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Specialty physician groups (50) | Ancillary revenue contribution, Provider productivity, Payer contracts | Ancillary build-out |
| Primary care and family medicine (26) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
Counts in the first column are Denison providers from NPPES. The other two columns describe how funders read that field across markets like Denison, not what any funder will do with your file.
Denison against nearby Texas markets
Comparables travel. These are the Texas towns whose density, at 108.5 per 10,000 here, gets weighed beside this one.
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Denison (current) | 26,446 | 287 | 108.5 | |
| Sherman | 50,229 | 595 | 118.5 | 10 |
| Bonham | 11,115 | 112 | 100.8 | 26 |
| Anna | 31,986 | 93 | 29.1 | 29 |
| Celina | 51,661 | 143 | 27.7 | 33 |
| Melissa | 26,194 | 105 | 40.1 | 33 |
| Gainesville | 18,295 | 154 | 84.2 | 34 |
How Denison sits against the nearest metro
Distance to Sherman-Denison, TX is 10 miles. Appraisers borrow Sherman-Denison, TX rents, and the 26,446 residents set the ceiling on collections. Median household income runs $60,821, which is the number a funder converts into case acceptance on anything elective or cash-pay. 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 Denison.
Nearby Texas towns
What owners in Denison ask
01How many providers practice in Denison, and in what?
NPPES lists 287 providers at a Denison practice address, 108.5 per 10,000 residents across 27 tracked fields. Physical, occupational, and speech therapy accounts for 60 of them, 21 percent of the total, with specialty physician groups next at 50. Read that as clinicians: 287 enumerations, not 287 owners.
02Why does Grayson County show so little SBA activity?
Only 4 healthcare approvals appear for Grayson County in the published 7(a) and 504 file. Thin volume in Grayson County is a transaction count, not a verdict on borrowers here. The county still holds 85 credit intermediation establishments.
03Is Denison underwritten as part of Sherman-Denison, TX?
Partly. Sherman-Denison, TX is 10 miles out, so rent and equipment comparables travel in from there while patients still come from the 26,446 residents around Denison. Cost side metro, revenue side local.
04How does the hospital in Denison affect a practice file?
Referral flow, coverage, and the local pay scale all trace back to it. The town carries 4 Medicare-certified providers in total. A Denison projection that names the call arrangement reads better than one that assumes it.
05Which fields carry the volume in Denison?
Volume concentrates in physical, occupational, and speech therapy, 60 of them, ahead of specialty physician groups at 50, across 27 fields. A thin second field usually means a longer search for staff than a pro forma allows for.
06What does Grayson County's shortage designation change?
HRSA designates Grayson County for primary care, mental health. That opens loan repayment programs for clinicians recruited into Denison and evidences a staffing ramp in a 26,446 resident market.
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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