Texas micro-market
Healthcare practice financing in Kilgore, Texas
Direct answer
Gregg County carries 1 SBA healthcare approvals worth $70,000, and inside Kilgore the census shows 83 enumerated clinicians against 13,583 residents, 61.1 per 10,000, 22 percent of them in general dentistry. Longview, 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: 13,583 residents (10K-25K band)1
- Healthcare providers registered here: 83 across 16 fields2
- Median household income: $58,1413
- Largest provider field: General dentistry: 18 registered providers2
- Medicare-certified providers in town: 1 across 1 categories4
- Nearest metro: Longview, TX, 10 miles1
The provider census in Kilgore
83 providers across 16 fields, 61.1 per 10,000 residents, counted at Kilgore addresses in the NPPES monthly file
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| General dentistry | 18 | 13.3 | NPPES [2] |
| Physical, occupational, and speech therapy | 14 | 10.3 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 12 | 8.8 | NPPES [2] |
| Primary care and family medicine | 11 | 8.1 | NPPES [2] |
| DME and HME suppliers | 5 | 3.7 | NPPES [2] |
| Chiropractic | 4 | 2.9 | NPPES [2] |
| Independent pharmacy | 4 | 2.9 | NPPES [2] |
| Optometry and ophthalmology | 4 | 2.9 | NPPES [2] |
| Hospice and palliative | 2 | 1.5 | NPPES [2] |
| Specialty physician groups | 2 | 1.5 | NPPES [2] |
| Behavioral and mental health group practices | 2 | 1.5 | NPPES [2] |
| Home health | 1 | 0.7 | NPPES [2] |
| Urgent care | 1 | 0.7 | NPPES [2] |
| Clinical research sites | 1 | 0.7 | NPPES [2] |
| Clinical and toxicology labs | 1 | 0.7 | NPPES [2] |
| Dialysis and infusion centers | 1 | 0.7 | NPPES [2] |
| Medical equipment suppliers | 4 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] |
A single Kilgore practice can hold more than one of these numbers. 22 percent sit in general dentistry, counted as clinicians rather than as owners.
What lenders have already approved in Gregg County
With 1 healthcare approvals recorded, Gregg County gives a valuation almost nothing local to lean on
| Line | Amount | Reading and source |
|---|---|---|
| SBA healthcare approvals | 1 | Counted for the fiscal year the SBA publishes [5] |
| Approved dollars | $70,000 | Everything approved to healthcare borrowers, added up [5] |
| Average approval | $70,000 | The dollar column over the approval column [5] |
| Lending establishments in the county | 144 | Places that write credit locally, NAICS 522 [6] |
How this data lands in an underwriting decision
Underwriting starts with 61.1 providers per 10,000 residents, because that ratio caps how fast a chair or a room fills. With 1 approvals on record in Gregg County, expect a longer appraisal and a wider collateral discount. A $58,141 median household income here sets the ceiling on what an elective or cash-pay line can be expected to carry.
Programs the Kilgore 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 16 fields that actually practice in Kilgore, weighted toward general dentistry. Availability still depends on Texas and on the funding partner.
Underwriting by field in Kilgore
What a funder opens first depends on the field. In Kilgore that means general dentistry, physical, occupational, and speech therapy, skilled nursing, assisted living, and memory care.
| Practice type | The pages that decide it | Typical capital event |
|---|---|---|
| General dentistry (18) | 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 (14) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Skilled nursing, assisted living, and memory care (12) | Census and occupancy, Staffing reporting, Survey history | Working capital |
Counts in the first column are Kilgore providers from NPPES. The other two columns describe how funders read that field across markets like Kilgore, not what any funder will do with your file.
Density beside the neighboring Texas towns
Set Kilgore's 61.1 per 10,000 against the towns an appraiser would reach for next
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Kilgore (current) | 13,583 | 83 | 61.1 | |
| Longview | 83,668 | 965 | 115.3 | 10 |
| Henderson | 13,485 | 94 | 69.7 | 17 |
| Marshall | 24,263 | 143 | 58.9 | 31 |
| Jacksonville | 14,639 | 125 | 85.4 | 38 |
| Mount Pleasant | 16,238 | 81 | 49.9 | 53 |
| Nacogdoches | 32,381 | 386 | 119.2 | 55 |
How Kilgore sits against the nearest metro
Distance to Longview, TX is 10 miles. Appraisers borrow Longview, TX rents, and the 13,583 residents set the ceiling on collections. Households here carry $58,141 in median income, and that ceiling decides how much of a treatment plan gets started rather than deferred. With no hospital in town, a projection has to name where referrals and coverage come from. Campus terms, not calendar quarters, set the busy months in Kilgore.
Nearby Texas towns
- Longview 83,668 residents
- Henderson 13,485 residents
- Marshall 24,263 residents
- Jacksonville 14,639 residents
- Mount Pleasant 16,238 residents
- Nacogdoches 32,381 residents
What owners in Kilgore ask
01How many providers practice in Kilgore, and in what?
83 enumerations sit at Kilgore addresses in the monthly NPPES file, working out to 61.1 for every 10,000 residents. 22 percent of them are general dentistry, and physical, occupational, and speech therapy follows with 14. An enumeration is a clinician, so the 83 here cover fewer than 83 practices.
02What does Gregg County's shortage designation change?
The primary care, dental, mental health designation HRSA carries on Gregg County is a recruiting instrument: it puts repayment incentives in front of candidates, which is how a hiring plan for 13,583 residents gets past the question of who would take the job.
03Why does Gregg County show so little SBA activity?
Only 1 healthcare approvals appear for Gregg County in the published 7(a) and 504 file. Thin volume in Gregg County is a transaction count, not a verdict on borrowers here. The county still holds 144 credit intermediation establishments.
04Is Kilgore underwritten as part of Longview, TX?
Partly. Longview, TX is 10 miles out, so rent and equipment comparables travel in from there while patients still come from the 13,583 residents around Kilgore. Cost side metro, revenue side local.
05What does a $58,141 median income mean for case acceptance?
Median household income in Kilgore runs $58,141. 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.
06How does the college here show up in the numbers?
A campus in town means monthly collections rise and fall with terms. Say so in the projection for Kilgore, because a summer trough that is explained is read as seasonality, and one that is not is read as decline.
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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