Texas micro-market
Healthcare practice financing in Melissa, Texas
Direct answer
105 healthcare providers hold a Melissa practice address, 40.1 per 10,000 of its 26,194 residents, 30 percent of them in physical, occupational, and speech therapy. Collin County recorded 81 SBA healthcare approvals worth $61,993,400, and Sherman-Denison, TX sits 24 miles out.
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- Population: 26,194 residents (25K-50K band)1
- Healthcare providers registered here: 105 across 19 fields2
- Median household income: $137,8753
- Largest provider field: Physical, occupational, and speech therapy: 32 registered providers2
- Nearest metro: Sherman-Denison, TX, 24 miles1
- SBA healthcare approvals in the county: 81 approvals totaling $61,993,4004
Fields practicing inside Melissa
The NPPES file puts 105 enumerated clinicians inside Melissa, spread over 19 fields at 40.1 per 10,000 residents
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Physical, occupational, and speech therapy | 32 | 12.2 | NPPES [2] |
| Home health | 10 | 3.8 | NPPES [2] |
| General dentistry | 9 | 3.4 | NPPES [2] |
| Optometry and ophthalmology | 7 | 2.7 | NPPES [2] |
| ABA and autism therapy | 6 | 2.3 | NPPES [2] |
| Chiropractic | 5 | 1.9 | NPPES [2] |
| Primary care and family medicine | 5 | 1.9 | NPPES [2] |
| Urgent care | 4 | 1.5 | NPPES [2] |
| Dental specialties | 4 | 1.5 | NPPES [2] |
| Independent pharmacy | 4 | 1.5 | NPPES [2] |
| Non-medical home care | 3 | 1.1 | NPPES [2] |
| Hospice and palliative | 3 | 1.1 | NPPES [2] |
| Behavioral and mental health group practices | 3 | 1.1 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 3 | 1.1 | NPPES [2] |
| DME and HME suppliers | 2 | 0.8 | NPPES [2] |
| Telehealth and virtual clinics | 2 | 0.8 | NPPES [2] |
| NEMT and ambulance | 1 | 0.4 | NPPES [2] |
| Specialty physician groups | 1 | 0.4 | NPPES [2] |
| Occupational health and drug testing | 1 | 0.4 | NPPES [2] |
| Medical equipment suppliers | 4 | CMS [5] |
Physical, occupational, and speech therapy carries 32 of the 105 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
Loan activity in Collin County
The published file shows 81 healthcare approvals in Collin County, $61,993,400 in total, and that history is what an appraiser and a credit committee reach for
| What it measures | Value | How to read it |
|---|---|---|
| Healthcare files approved | 81 | Counted for the fiscal year the SBA publishes [4] |
| Dollars behind them | $61,993,400 | Everything approved to healthcare borrowers, added up [4] |
| Typical approval size | $765,351 | The dollar column over the approval column [4] |
| Credit offices operating locally | 708 | Places that write credit locally, NAICS 522 [6] |
The consequence of these numbers
A file from here opens on 40.1 providers per 10,000 residents, and everything about volume follows from it. 81 approvals worth $61,993,400 in Collin County means the size you are asking for has a local precedent to point at. Household income of $137,875 in Melissa 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
- Medical receivables factoring
- Equipment financing and leasing
Built from what is enumerated here rather than from a national list, so a field with no presence in Melissa does not appear. Availability is still a Texas question.
Underwriting by field in Melissa
What a funder opens first depends on the field. In Melissa that means physical, occupational, and speech therapy, home health, general dentistry.
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| Physical, occupational, and speech therapy (32) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Home health (10) | Medicare certification first, Payer mix second, Days in accounts receivable third | Payroll between visit and remittance |
| General dentistry (9) | Three years of collections history, Hygiene as a share of collections, Overhead ratio and owner add-backs | Acquisition of an established practice |
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.
How Melissa prices against its neighbors
The neighboring markets below are the ones a valuation borrows from when Melissa has too few sales of its own
| Comparable | People | Enumerations | Per 10,000 residents | Miles |
|---|---|---|---|---|
| Melissa (current) | 26,194 | 105 | 40.1 | |
| Anna | 31,986 | 93 | 29.1 | 4 |
| Princeton | 37,019 | 81 | 21.9 | 8 |
| Fairview | 10,922 | 46 | 42.1 | 11 |
| Celina | 51,661 | 143 | 27.7 | 14 |
| Prosper | 44,503 | 385 | 86.5 | 15 |
| Wylie | 62,954 | 377 | 59.9 | 18 |
Distance, income, and the wage floor around Melissa
Sherman-Denison, TX lies 24 miles from Melissa, close enough that appraisers price the lease against Sherman-Denison, TX rents while 26,194 residents set the revenue ceiling. At $137,875 median household income, the elective and cash-pay share of a projection is the line that gets tested first. No hospital operates here, so the referral sources and the call arrangement have to be named rather than assumed.
Nearby Texas towns
Melissa owners, answered
01How many providers practice in Melissa, and in what?
105 enumerations sit at Melissa addresses in the monthly NPPES file, working out to 40.1 for every 10,000 residents. 30 percent of them are physical, occupational, and speech therapy, and home health follows with 10. An enumeration is a clinician, so the 105 here cover fewer than 105 practices.
02What does SBA lending look like around Melissa?
$61,993,400 went to healthcare borrowers in Collin County across 81 approvals, $765,351 on average. Deals near Melissa get sized against that record before anything else.
03What does a $137,875 median income mean for case acceptance?
Median household income in Melissa runs $137,875. 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.
04What does Collin County's shortage designation change?
HRSA designates Collin County for primary care, dental, mental health. That opens loan repayment programs for clinicians recruited into Melissa and evidences a staffing ramp in a 26,194 resident market.
05Is there local lending capacity in Collin County?
County Business Patterns records 708 credit intermediation establishments in Collin County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Melissa rents and resale before or by somebody working from a screen.
06Is Melissa underwritten as part of Sherman-Denison, TX?
Partly. Sherman-Denison, TX is 24 miles out, so rent and equipment comparables travel in from there while patients still come from the 26,194 residents around Melissa. Cost side metro, revenue side local.
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. Small Business Administration, 7(a) and 504 approvals
- 5CMS Care Compare provider datasets
- 6U.S. Census Bureau, County Business Patterns 2022
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