Arizona micro-market
Healthcare practice financing in Flagstaff, Arizona
Direct answer
Density decides a lot here. Flagstaff runs 133.7 providers per 10,000 residents, 1,037 clinicians against 77,539 people, 34 percent of them in physical, occupational, and speech therapy, while Coconino County lenders have approved 0 healthcare files worth $0 and the nearest metro is 0 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: 77,539 residents (50K-100K band)1
- Healthcare providers registered here: 1,037 across 34 fields2
- Median household income: $68,0413
- Largest provider field: Physical, occupational, and speech therapy: 357 registered providers2
- Medicare-certified providers in town: 12 across 4 categories4
- Nearest metro: Flagstaff, AZ, 0 miles1
The clinical base a lender can verify here
1,037 providers across 34 fields, 133.7 per 10,000 residents, counted at Flagstaff addresses in the NPPES monthly file
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| Physical, occupational, and speech therapy | 357 | 46.0 | NPPES [2] |
| Primary care and family medicine | 97 | 12.5 | NPPES [2] |
| Specialty physician groups | 74 | 9.5 | NPPES [2] |
| Chiropractic | 51 | 6.6 | NPPES [2] |
| General dentistry | 51 | 6.6 | NPPES [2] |
| Behavioral and mental health group practices | 48 | 6.2 | NPPES [2] |
| Optometry and ophthalmology | 40 | 5.2 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 38 | 4.9 | NPPES [2] |
| ABA and autism therapy | 36 | 4.6 | NPPES [2] |
| Dental specialties | 31 | 4.0 | NPPES [2] |
| DME and HME suppliers | 26 | 3.4 | NPPES [2] |
| ASCs and OBLs | 18 | 2.3 | NPPES [2] |
| Independent pharmacy | 17 | 2.2 | NPPES [2] |
| Audiology and hearing centers | 14 | 1.8 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 14 | 1.8 | NPPES [2] |
| Dermatology | 13 | 1.7 | NPPES [2] |
| Home health | 13 | 1.7 | NPPES [2] |
| Occupational health and drug testing | 13 | 1.7 | NPPES [2] |
| Urgent care | 12 | 1.5 | NPPES [2] |
| Clinical and toxicology labs | 10 | 1.3 | NPPES [2] |
| Telehealth and virtual clinics | 9 | 1.2 | NPPES [2] |
| Med spa and aesthetics | 8 | 1.0 | NPPES [2] |
| Podiatry | 7 | 0.9 | NPPES [2] |
| SUD treatment and residential | 7 | 0.9 | NPPES [2] |
| Hospice and palliative | 7 | 0.9 | NPPES [2] |
| Non-medical home care | 6 | 0.8 | NPPES [2] |
| Plastic and cosmetic surgery | 6 | 0.8 | NPPES [2] |
| Pain management and interventional | 4 | 0.5 | NPPES [2] |
| Mobile diagnostics | 3 | 0.4 | NPPES [2] |
| NEMT and ambulance | 2 | 0.3 | NPPES [2] |
| Dialysis and infusion centers | 2 | 0.3 | NPPES [2] |
| Imaging centers | 1 | 0.1 | NPPES [2] |
| Clinical research sites | 1 | 0.1 | NPPES [2] |
| Hormone, TRT, and men's health clinics | 1 | 0.1 | NPPES [2] |
| Medical equipment suppliers | 21 | CMS [4] | |
| Ambulatory surgical centers | 7 | CMS [4] | |
| Dialysis facilities | 2 | CMS [4] | |
| Home health agencies | 2 | CMS [4] | |
| Hospice providers | 1 | CMS [4] |
Several of the 357 physical, occupational, and speech therapy enumerations can belong to one practice, so the column counts clinicians rather than businesses or owners
What Coconino County credit files already show
With 0 healthcare approvals recorded, Coconino County gives a valuation almost nothing local to lean on
| Measure | Published figure | What sits behind it |
|---|---|---|
| SBA healthcare approvals | 0 | One published fiscal year, healthcare borrowers only [5] |
| Approved dollars | $0 | Approved, not disbursed, and not net of withdrawals [5] |
| Average approval | No approvals recorded | A mean, so one large approval moves it [5] |
| Lending establishments in the county | 61 | Credit intermediation offices sited in the county [6] |
What the two tables above change about a file
Underwriting starts with 133.7 providers per 10,000 residents, because that ratio caps how fast a chair or a room fills. Coconino County has 0 approvals to compare against, so plan for extra appraisal time and a conservative valuation. A $68,041 median household income here sets the ceiling on what an elective or cash-pay line can be expected to carry.
The programs this provider mix points at
- Practice acquisition
- Startup and de novo
- Working capital term loan
- Expansion, relocation, and build-out
- Equipment financing and leasing
Built from what is enumerated here rather than from a national list, so a field with no presence in Flagstaff does not appear. Availability is still a Arizona question.
Underwriting by field in Flagstaff
physical, occupational, and speech therapy, primary care and family medicine, specialty physician groups account for most of what is enumerated in Flagstaff, so those are the files funders see from this town
| Practice type | The pages that decide it | Typical capital event |
|---|---|---|
| Physical, occupational, and speech therapy (357) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Primary care and family medicine (97) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| Specialty physician groups (74) | Ancillary revenue contribution, Provider productivity, Payer contracts | Ancillary build-out |
Column one counts Flagstaff clinicians from the federal file. Columns two and three describe how the field is usually underwritten, and a partner can read a Flagstaff file differently.
Density beside the neighboring Arizona towns
The neighboring markets below are the ones a valuation borrows from when Flagstaff has too few sales of its own
| Comparable | People | Enumerations | Per 10,000 residents | Miles |
|---|---|---|---|---|
| Flagstaff (current) | 77,539 | 1,037 | 133.7 | |
| Cottonwood | 12,939 | 276 | 213.3 | 36 |
| Camp Verde | 12,608 | 57 | 45.2 | 45 |
| Chino Valley | 13,911 | 58 | 41.7 | 54 |
| Prescott Valley | 51,440 | 312 | 60.7 | 56 |
| Prescott | 48,224 | 897 | 186.0 | 62 |
| Payson | 16,762 | 173 | 103.2 | 67 |
How Flagstaff sits against the nearest metro
Distance to Flagstaff, AZ is 0 miles. Appraisers borrow Flagstaff, AZ rents, and the 77,539 residents set the ceiling on collections. At $68,041 median household income, the elective and cash-pay share of a projection is the line that gets tested first. The Medicare-certified hospital in Flagstaff sets the local wage floor before you hire against it. Campus terms, not calendar quarters, set the busy months in Flagstaff. Flagstaff is the Coconino County seat, so county employment steadies the payer mix.
Other Arizona markets
- Cottonwood 12,939 residents
- Camp Verde 12,608 residents
- Chino Valley 13,911 residents
- Prescott Valley 51,440 residents
- Prescott 48,224 residents
- Payson 16,762 residents
Questions from Flagstaff
01How many providers practice in Flagstaff, and in what?
Across 34 fields, Flagstaff carries 1,037 enumerated clinicians, 133.7 per 10,000 of the 77,539 people living here. The concentration is in physical, occupational, and speech therapy, 357 of the total, then primary care and family medicine at 97. Count practices from that only with care.
02Why does Coconino County show so little SBA activity?
The published file records 0 7(a) and 504 approvals to healthcare borrowers in Coconino County. That tracks how few Coconino County practices changed hands that year, not credit quality. 61 credit intermediation establishments operate in Coconino County, so the lending capacity is local even where the healthcare history is not.
03Which fields carry the volume in Flagstaff?
Physical, occupational, and speech therapy at 357 providers and primary care and family medicine at 97 lead the 34 fields enumerated here. A funder reads that mix as the local competition set and the local hiring pool at once, before it reads a single line of your own numbers.
04What does Coconino County's shortage designation change?
Designated for primary care, dental, mental health, Coconino County qualifies its clinicians for federal repayment support. On a file that turns on adding staff, that is the difference between a hiring assumption and a hiring plan.
05How does the hospital in Flagstaff affect a practice file?
It makes the staffing and referral lines checkable. 12 Medicare-certified providers hold Flagstaff addresses, and the hospital sets the wage a clinical hire is bid against in a 133.7 per 10,000 market.
06How many Medicare-certified providers are based in Flagstaff?
Care Compare lists 12 certified providers with a Flagstaff address. That count is a proxy for how much of the local revenue arrives on a federal payment cycle rather than at the front desk.
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
Our team reviews every request within 1 business day. If a funding partner thinks they can help, a specialist from that partner contacts you to discuss next steps.