Texas micro-market
Healthcare practice financing in Terrell, Texas
Direct answer
185 healthcare providers hold a Terrell practice address, 80.5 per 10,000 of its 22,977 residents, 19 percent of them in physical, occupational, and speech therapy. Kaufman County recorded 2 SBA healthcare approvals worth $675,000, and Dallas-Fort Worth-Arlington, TX sits 28 miles out.
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- Population: 22,977 residents (10K-25K band)1
- Healthcare providers registered here: 185 across 23 fields2
- Median household income: $63,7953
- Largest provider field: Physical, occupational, and speech therapy: 35 registered providers2
- Medicare-certified providers in town: 6 across 3 categories4
- Nearest metro: Dallas-Fort Worth-Arlington, TX, 28 miles1
The provider census in Terrell
The NPPES file puts 185 enumerated clinicians inside Terrell, spread over 23 fields at 80.5 per 10,000 residents
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| Physical, occupational, and speech therapy | 35 | 15.2 | NPPES [2] |
| General dentistry | 22 | 9.6 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 21 | 9.1 | NPPES [2] |
| Home health | 16 | 7.0 | NPPES [2] |
| Optometry and ophthalmology | 12 | 5.2 | NPPES [2] |
| Chiropractic | 11 | 4.8 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 11 | 4.8 | NPPES [2] |
| Primary care and family medicine | 10 | 4.4 | NPPES [2] |
| DME and HME suppliers | 7 | 3.0 | NPPES [2] |
| ABA and autism therapy | 6 | 2.6 | NPPES [2] |
| Independent pharmacy | 5 | 2.2 | NPPES [2] |
| Hospice and palliative | 4 | 1.7 | NPPES [2] |
| Med spa and aesthetics | 4 | 1.7 | NPPES [2] |
| Specialty physician groups | 4 | 1.7 | NPPES [2] |
| Dental specialties | 3 | 1.3 | NPPES [2] |
| Behavioral and mental health group practices | 3 | 1.3 | NPPES [2] |
| Telehealth and virtual clinics | 3 | 1.3 | NPPES [2] |
| Clinical and toxicology labs | 2 | 0.9 | NPPES [2] |
| Dialysis and infusion centers | 2 | 0.9 | NPPES [2] |
| Podiatry | 1 | 0.4 | NPPES [2] |
| SUD treatment and residential | 1 | 0.4 | NPPES [2] |
| Non-medical home care | 1 | 0.4 | NPPES [2] |
| Occupational health and drug testing | 1 | 0.4 | NPPES [2] |
| Medical equipment suppliers | 3 | CMS [4] | |
| Home health agencies | 3 | CMS [4] | |
| Hospice providers | 2 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] |
A single Terrell practice can hold more than one of these numbers. 19 percent sit in physical, occupational, and speech therapy, counted as clinicians rather than as owners.
Kaufman County approvals, dollars, and lending establishments
2 healthcare approvals sit in the county file, so an appraiser here works from a short comparable set
| Line | Amount | Reading and source |
|---|---|---|
| Healthcare files approved | 2 | Fiscal year published in the SBA file [5] |
| Dollars behind them | $675,000 | Sum of approvals to healthcare borrowers [5] |
| Typical approval size | $337,500 | Dollars divided by approvals [5] |
| Credit offices operating locally | 48 | Credit intermediation establishments, NAICS 522 [6] |
How this data lands in an underwriting decision
A file from here opens on 80.5 providers per 10,000 residents, and everything about volume follows from it. A short county record of 2 approvals usually means more documentation and a lower advance against the same collateral. With $63,795 as the median household income, the payer mix in a projection has to match what Terrell households actually spend.
Programs the Terrell mix reaches for
- Startup and de novo
- Practice acquisition
- Equipment financing and leasing
- Working capital term loan
- Expansion, relocation, and build-out
Ranked from the 23 fields that actually practice in Terrell, weighted toward physical, occupational, and speech therapy. Availability still depends on Texas and on the funding partner.
Underwriting by field in Terrell
Drawn from the fields that actually practice here: physical, occupational, and speech therapy, general dentistry, ketamine, tms, and interventional psychiatry
| Field | What the file turns on | The capital event behind most requests |
|---|---|---|
| Physical, occupational, and speech therapy (35) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| General dentistry (22) | Three years of collections history, Hygiene as a share of collections, Overhead ratio and owner add-backs | Acquisition of an established practice |
| Ketamine, TMS, and interventional psychiatry (21) | Session series completion, Coverage mix, Device utilization | Treatment device purchase |
Column one counts Terrell clinicians from the federal file. Columns two and three describe how the field is usually underwritten, and a partner can read a Terrell file differently.
How Terrell prices against its neighbors
80.5 per 10,000 is the figure a neighboring town gets compared against when an appraiser prices Terrell
| Comparable | People | Enumerations | Per 10,000 residents | Miles |
|---|---|---|---|---|
| Terrell (current) | 22,977 | 185 | 80.5 | |
| Forney | 38,572 | 319 | 82.7 | 9 |
| Heath | 11,499 | 58 | 50.4 | 13 |
| Seagoville | 20,124 | 30 | 14.9 | 15 |
| Rockwall | 53,547 | 755 | 141.0 | 16 |
| Fate | 27,467 | 38 | 13.8 | 16 |
| Balch Springs | 27,307 | 63 | 23.1 | 19 |
Distance, income, and the wage floor around Terrell
Dallas-Fort Worth-Arlington, TX lies 28 miles from Terrell, close enough for rent comparables to travel and far enough that patient draw does not. Households here carry $63,795 in median income, and that ceiling decides how much of a treatment plan gets started rather than deferred. Wages here are anchored by the Medicare-certified hospital in town, which is what a staffing line gets measured against. Campus terms, not calendar quarters, set the busy months in Terrell.
Other Texas markets
- Forney 38,572 residents
- Heath 11,499 residents
- Seagoville 20,124 residents
- Rockwall 53,547 residents
- Fate 27,467 residents
- Balch Springs 27,307 residents
What owners in Terrell ask
01How many providers practice in Terrell, and in what?
Across 23 fields, Terrell carries 185 enumerated clinicians, 80.5 per 10,000 of the 22,977 people living here. The concentration is in physical, occupational, and speech therapy, 35 of the total, then general dentistry at 22. Count practices from that only with care.
02Why does Kaufman County show so little SBA activity?
Only 2 healthcare approvals appear for Kaufman County in the published 7(a) and 504 file. Thin volume in Kaufman County is a transaction count, not a verdict on borrowers here. The county still holds 48 credit intermediation establishments.
03What does Kaufman County's shortage designation change?
The primary care, dental, mental health designation HRSA carries on Kaufman County is a recruiting instrument: it puts repayment incentives in front of candidates, which is how a hiring plan for 22,977 residents gets past the question of who would take the job.
04How does the hospital in Terrell affect a practice file?
Referral flow, coverage, and the local pay scale all trace back to it. The town carries 6 Medicare-certified providers in total. A Terrell projection that names the call arrangement reads better than one that assumes it.
05What does a $63,795 median income mean for case acceptance?
Median household income in Terrell runs $63,795. 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 many Medicare-certified providers are based in Terrell?
The town carries 6 Medicare-certified providers. On a receivables request that number sets the expected collection lag, which is priced before anything about the practice itself is read.
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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