Invented cases for a physician office: a testing equipment package on equipment financing, a supply order drawn on a credit line and paid down in four months, and an annual premium spread over ten months on a term loan or a credit line. The suite, its wiring and ceiling-mounted units stay outside this site.
At a glance
- Offices of physicians, Jackson County, MS
79 employer establishments (CBP 2023)
- Physician offices with fewer than five employees
35 of the 79, or 44.3% (CBP 2023)
- Physician offices with a ZIP 39567 address
7 employer establishments (ZBP 2023)
- Physician offices with no paid employees
128 in Jackson County, MS (NES 2024)
A bladder scanner, Holter recorders and an ABI system: equipment financing for a Pascagoula, MS physician office
In an invented case, a family practice in Pascagoula, MS brings tests it now refers out into the office and prices a bladder scanner at $7,380, 3 Holter monitor recorders at $1,080 each and an ankle-brachial index (ABI) system at $5,960, an invented $16,580 in all.
On equipment financing for three years at 12.7% a year, the invented testing package costs $556.25 a month. Interest is $3,445.00 of the $20,025.00 the office pays across those 36 invented months.
Each unit is portable or rides on a cart and carries a serial number, so none of it is fixed to the building. A funding partner may ask for the dealer quote and how the office plans to schedule the new tests; the partner decides on any offer and its term.
Gloves, injectables and test kits: a credit line for a Jackson County, MS medical practice supply order
A second invented case: the office places an $8,960 order for exam gloves, injectables, rapid test kits and other supplies, a larger order than the office places each month because the distributor's price breaks start at that size.
The office puts the invented order on a business line of credit priced at 14.7% a year and retires $2,240 of it each month, with interest on top. The invented balance clears in 4 payments, and interest across them is $274.40, from $109.76 in the first month to $27.44 in the fourth.
A line suits supply orders that repeat at uneven sizes: each payment frees part of the limit for the next order. A funding partner may look at recent business bank statements before setting a limit, and the limit it sets may differ from the amount the office asks for.
An annual malpractice premium at a Pascagoula, MS medical practice on a 10-month term loan
When malpractice coverage is billed once a year, the whole premium falls due at one time. In an invented case, the office's annual premium is $14,280, and the owner spreads it over ten months on a term loan at a 13.25% annual rate instead of paying it from cash.
The invented payment is $1,516.15 a month; ten invented payments total $15,161.50, which makes $881.50 of it interest.
| Funding type (invented) | Annual rate | How it is paid | Interest |
|---|---|---|---|
| Term loan | 13.25% | 10 payments of $1,516.15 | $881.50 |
| Credit line draw | 14.1% | $1,428 a month plus interest, 10 payments | $922.85 |
In this invented comparison, the credit line draw costs $41.35 more in interest than the term loan, and its first invented payment of $1,595.79 is $79.64 higher than the fixed $1,516.15. The term loan sets one payment for all ten months. Either way the premium is spread over the year it covers.
Offices of physicians in Jackson County, MS: staff size, ZIP 39567 and practices without a payroll
County Business Patterns 2023 listed 79 offices of physicians (NAICS 6211) in Jackson County, MS, with 841 employees on their payrolls and $81.8 million in annual payroll.
Small staffs were a large share: 35 of the 79 offices (44.3%) had fewer than five employees. For an office of that size, a single annual bill or a new piece of equipment is a large share of a month's spending.
The 2023 ZIP-level file (ZIP Code Business Patterns) shows 7 offices of physicians with a street address in ZIP 39567.
A different Census file, Nonemployer Statistics 2024, counted 128 offices of physicians in Jackson County, MS that had no paid employees. A solo physician with no employees can request any funding type on this site that a group practice can. The Pascagoula, MS page carries city and ZIP 39567 figures.
Medical office costs outside a Pascagoula, MS request: the suite, its wiring and ceiling-mounted units
Some medical office costs are property work, and Deerbrook Lenders does not take requests for them:
- Building or expanding exam rooms, and any purchase of the building or the land under it.
- New electrical circuits, data cabling run through walls, and sinks or plumbing added to a room.
- Exam lights, booms or imaging units mounted to the ceiling or walls as part of the structure.
- Costs for a practice that has not opened yet.
Movable equipment, supplies, insurance premiums and payroll are operating costs that a request can name. Other health trades sit on the industries page.
How long a practice loan can run, and how much the rate moves its cost, is the subject of a separate article for clinics.
By Deerbrook Lenders · Updated
