Texas micro-market
Healthcare practice financing in Gatesville, Texas
Direct answer
A Gatesville file is read against 66 local clinicians, 40.3 for every 10,000 of its 16,388 residents, 23 percent of them in primary care and family medicine, plus the 0 SBA healthcare approvals worth $0 already recorded in Coryell County, 25 miles from 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: 16,388 residents (10K-25K band)1
- Healthcare providers registered here: 66 across 19 fields2
- Median household income: $54,8023
- Largest provider field: Primary care and family medicine: 15 registered providers2
- Medicare-certified providers in town: 2 across 2 categories4
- Nearest metro: Killeen-Temple, TX, 25 miles1
Gatesville clinicians, by field
The NPPES file puts 66 enumerated clinicians inside Gatesville, spread over 19 fields at 40.3 per 10,000 residents
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Primary care and family medicine | 15 | 9.2 | NPPES [2] |
| General dentistry | 11 | 6.7 | NPPES [2] |
| Physical, occupational, and speech therapy | 9 | 5.5 | NPPES [2] |
| Optometry and ophthalmology | 5 | 3.1 | NPPES [2] |
| DME and HME suppliers | 4 | 2.4 | NPPES [2] |
| Independent pharmacy | 3 | 1.8 | NPPES [2] |
| Specialty physician groups | 3 | 1.8 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 3 | 1.8 | NPPES [2] |
| Podiatry | 2 | 1.2 | NPPES [2] |
| Dermatology | 2 | 1.2 | NPPES [2] |
| Home health | 1 | 0.6 | NPPES [2] |
| Chiropractic | 1 | 0.6 | NPPES [2] |
| NEMT and ambulance | 1 | 0.6 | NPPES [2] |
| Audiology and hearing centers | 1 | 0.6 | NPPES [2] |
| Non-medical home care | 1 | 0.6 | NPPES [2] |
| ABA and autism therapy | 1 | 0.6 | NPPES [2] |
| Med spa and aesthetics | 1 | 0.6 | NPPES [2] |
| Clinical and toxicology labs | 1 | 0.6 | NPPES [2] |
| Dialysis and infusion centers | 1 | 0.6 | NPPES [2] |
| Medical equipment suppliers | 3 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] | |
| Home health agencies | 1 | CMS [4] |
A single Gatesville practice can hold more than one of these numbers. 23 percent sit in primary care and family medicine, counted as clinicians rather than as owners.
The lending record behind Gatesville
The county file holds 0 healthcare approvals, which is a thin comparable set for anyone pricing collateral
| Line | Amount | Reading and source |
|---|---|---|
| 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 | 36 | Credit intermediation offices sited in the county [6] |
How this data lands in an underwriting decision
Density of 40.3 per 10,000 sets the patient draw a projection can claim without an argument. A short county record of 0 approvals usually means more documentation and a lower advance against the same collateral. A $54,802 median household income here sets the ceiling on what an elective or cash-pay line can be expected to carry.
Programs the Gatesville mix reaches for
- Practice acquisition
- Startup and de novo
- Expansion, relocation, and build-out
- Equipment financing and leasing
- Working capital term loan
Ranked from the 19 fields that actually practice in Gatesville, weighted toward primary care and family medicine. Availability still depends on Texas and on the funding partner.
The first pages of a Gatesville file
What a funder opens first depends on the field. In Gatesville that means primary care and family medicine, general dentistry, physical, occupational, and speech therapy.
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| Primary care and family medicine (15) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| 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 |
| Physical, occupational, and speech therapy (9) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
NPPES supplies the Gatesville counts. The reading columns describe the field in general, and no partner reviewing a Gatesville file is bound by them.
Gatesville against nearby Texas markets
40.3 per 10,000 is the figure a neighboring town gets compared against when an appraiser prices Gatesville
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Gatesville (current) | 16,388 | 66 | 40.3 | |
| Copperas Cove | 39,627 | 123 | 31.0 | 24 |
| Harker Heights | 35,263 | 267 | 75.7 | 27 |
| Temple | 96,267 | 1,209 | 125.6 | 31 |
| Belton | 25,635 | 198 | 77.2 | 31 |
| Hewitt | 16,749 | 67 | 40.0 | 33 |
| Robinson | 12,986 | 49 | 37.7 | 37 |
How Gatesville sits against the nearest metro
Distance to Killeen-Temple, TX is 25 miles. That is close enough for rent in Gatesville to be compared against the metro and far enough that patient draw is not. Households here carry $54,802 in median income, and that ceiling decides how much of a treatment plan gets started rather than deferred. The Medicare-certified hospital in Gatesville sets the local wage floor before you hire against it. Gatesville is the Coryell County seat, so county employment steadies the payer mix.
More of Texas
- Copperas Cove 39,627 residents
- Harker Heights 35,263 residents
- Temple 96,267 residents
- Belton 25,635 residents
- Hewitt 16,749 residents
- Robinson 12,986 residents
Questions from Gatesville
01How many providers practice in Gatesville, and in what?
Across 19 fields, Gatesville carries 66 enumerated clinicians, 40.3 per 10,000 of the 16,388 people living here. The concentration is in primary care and family medicine, 15 of the total, then general dentistry at 11. Count practices from that only with care.
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 Gatesville and evidences a staffing ramp in a 16,388 resident market.
03Why does Coryell County show so little SBA activity?
The published file records 0 7(a) and 504 approvals to healthcare borrowers in Coryell County. That tracks how few Coryell County practices changed hands that year, not credit quality. 36 credit intermediation establishments operate in Coryell County, so the lending capacity is local even where the healthcare history is not.
04Is Gatesville underwritten as part of Killeen-Temple, TX?
Comparables and demand split at 25 miles. An appraiser prices the lease and the equipment off Killeen-Temple, TX; the revenue line has to hold up against 16,388 local residents.
05How does the hospital in Gatesville affect a practice file?
It makes the staffing and referral lines checkable. 2 Medicare-certified providers hold Gatesville addresses, and the hospital sets the wage a clinical hire is bid against in a 40.3 per 10,000 market.
06Is there local lending capacity in Coryell County?
County Business Patterns records 36 credit intermediation establishments in Coryell County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Gatesville 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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