Arizona micro-market
Healthcare practice financing in Eloy, Arizona
Direct answer
16 healthcare providers hold a Eloy practice address, 8.3 per 10,000 of its 19,199 residents, 25 percent of them in general dentistry. Pinal County recorded 4 SBA healthcare approvals worth $661,000, and Tucson, AZ sits 59 miles out.
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. How a referral works in Arizona, and how many partners see it, is set out on the Arizona page.
- Population: 19,199 residents (10K-25K band)1
- Healthcare providers registered here: 16 across 9 fields2
- Median household income: $54,0803
- Largest provider field: General dentistry: 4 registered providers2
- Nearest metro: Tucson, AZ, 59 miles1
- SBA healthcare approvals in the county: 4 approvals totaling $661,0004
Fields practicing inside Eloy
8.3 providers per 10,000 residents is what 16 enumerations across 9 fields works out to in a town of 19,199
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| General dentistry | 4 | 2.1 | NPPES [2] |
| ABA and autism therapy | 3 | 1.6 | NPPES [2] |
| Primary care and family medicine | 2 | 1.0 | NPPES [2] |
| Physical, occupational, and speech therapy | 2 | 1.0 | NPPES [2] |
| Home health | 1 | 0.5 | NPPES [2] |
| Optometry and ophthalmology | 1 | 0.5 | NPPES [2] |
| Behavioral and mental health group practices | 1 | 0.5 | NPPES [2] |
| Occupational health and drug testing | 1 | 0.5 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 1 | 0.5 | NPPES [2] |
General dentistry carries 4 of the 16 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
The lending record behind Eloy
The county file holds 4 healthcare approvals, which is a thin comparable set for anyone pricing collateral
| What it measures | Value | How to read it |
|---|---|---|
| Healthcare files approved | 4 | Counted for the fiscal year the SBA publishes [4] |
| Dollars behind them | $661,000 | Everything approved to healthcare borrowers, added up [4] |
| Typical approval size | $165,250 | The dollar column over the approval column [4] |
| Credit offices operating locally | 86 | Places that write credit locally, NAICS 522 [5] |
The consequence of these numbers
Density of 8.3 per 10,000 sets the patient draw a projection can claim without an argument. Pinal County has 4 approvals to compare against, so plan for extra appraisal time and a conservative valuation. A $54,080 median household income here sets the ceiling on what an elective or cash-pay line can be expected to carry.
Where a file from this town usually lands
- Practice acquisition
- Startup and de novo
- Expansion, relocation, and build-out
- Working capital term loan
- Equipment financing and leasing
Ranked from the 9 fields that actually practice in Eloy, weighted toward general dentistry. Availability still depends on Arizona and on the funding partner.
Underwriting by field in Eloy
What a funder opens first depends on the field. In Eloy that means general dentistry, aba and autism therapy, primary care and family medicine.
| Practice type | The pages that decide it | Typical capital event |
|---|---|---|
| General dentistry (4) | Three years of collections history, Hygiene as a share of collections, Overhead ratio and owner add-backs | Acquisition of an established practice |
| ABA and autism therapy (3) | Authorized hours against delivered hours, Payer mix stability, Billing compliance history | Working capital against authorization and billing lag |
| Primary care and family medicine (2) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
Counts in the first column are Eloy providers from NPPES. The other two columns describe how funders read that field across markets like Eloy, not what any funder will do with your file.
Eloy against nearby Arizona markets
The neighboring markets below are the ones a valuation borrows from when Eloy has too few sales of its own
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Eloy (current) | 19,199 | 16 | 8.3 | |
| Coolidge | 19,674 | 45 | 22.9 | 14 |
| Florence | 24,891 | 85 | 34.1 | 25 |
| Maricopa | 76,654 | 238 | 31.0 | 31 |
| Marana | 62,380 | 112 | 18.0 | 33 |
| Queen Creek | 83,781 | 455 | 54.3 | 34 |
| Oro Valley | 48,855 | 273 | 55.9 | 42 |
Distance, income, and the wage floor around Eloy
Tucson, AZ lies 59 miles from Eloy, close enough for rent comparables to travel and far enough that patient draw does not. At $54,080 median household income, the elective and cash-pay share of a projection is the line that gets tested first. With no hospital in town, a projection has to name where referrals and coverage come from.
Nearby Arizona towns
- Coolidge 19,674 residents
- Florence 24,891 residents
- Maricopa 76,654 residents
- Marana 62,380 residents
- Queen Creek 83,781 residents
- Oro Valley 48,855 residents
Questions from Eloy
01How many providers practice in Eloy, and in what?
16 enumerations sit at Eloy addresses in the monthly NPPES file, working out to 8.3 for every 10,000 residents. 25 percent of them are general dentistry, and aba and autism therapy follows with 3. An enumeration is a clinician, so the 16 here cover fewer than 16 practices.
02What does Pinal County's shortage designation change?
Pinal County holds a HRSA designation covering primary care, dental, mental health. A pro forma for Eloy can cite it as the reason a vacancy is fillable, which is usually the weakest line in a ramp schedule.
03Why does Pinal County show so little SBA activity?
Only 4 healthcare approvals appear for Pinal County in the published 7(a) and 504 file. Thin volume in Pinal County is a transaction count, not a verdict on borrowers here. The county still holds 86 credit intermediation establishments.
04Is Eloy underwritten as part of Tucson, AZ?
Comparables and demand split at 59 miles. An appraiser prices the lease and the equipment off Tucson, AZ; the revenue line has to hold up against 19,199 local residents.
05Which fields carry the volume in Eloy?
The 9 enumerated fields are led by general dentistry at 4, with aba and autism therapy at 3 behind it. Those two counts double as the competition you are entering and the bench you would hire from.
06Is there local lending capacity in Pinal County?
County Business Patterns records 86 credit intermediation establishments in Pinal County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Eloy 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
- 4U.S. Small Business Administration, 7(a) and 504 approvals
- 5U.S. Census Bureau, County Business Patterns 2022
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