Arizona micro-market
Healthcare practice financing in Payson, Arizona
Direct answer
16,762 residents, 173 enumerated clinicians, 103.2 per 10,000, 21 percent of them in primary care and family medicine: that is the Payson market a funder prices. Gila County adds 1 healthcare approvals worth $1,611,000 and 62 miles of distance to Prescott Valley-Prescott, AZ.
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: 16,762 residents (10K-25K band)1
- Healthcare providers registered here: 173 across 24 fields2
- Median household income: $65,1753
- Largest provider field: Primary care and family medicine: 36 registered providers2
- Medicare-certified providers in town: 3 across 2 categories4
- Nearest metro: Prescott Valley-Prescott, AZ, 62 miles1
Fields practicing inside Payson
Counted at the town's own addresses: 173 providers, 24 fields, 103.2 clinicians per 10,000 of the 16,762 residents here
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| Primary care and family medicine | 36 | 21.5 | NPPES [2] |
| Physical, occupational, and speech therapy | 31 | 18.5 | NPPES [2] |
| General dentistry | 19 | 11.3 | NPPES [2] |
| Chiropractic | 13 | 7.8 | NPPES [2] |
| Specialty physician groups | 9 | 5.4 | NPPES [2] |
| DME and HME suppliers | 6 | 3.6 | NPPES [2] |
| Optometry and ophthalmology | 6 | 3.6 | NPPES [2] |
| Telehealth and virtual clinics | 6 | 3.6 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 6 | 3.6 | NPPES [2] |
| Behavioral and mental health group practices | 5 | 3.0 | NPPES [2] |
| Dermatology | 4 | 2.4 | NPPES [2] |
| SUD treatment and residential | 4 | 2.4 | NPPES [2] |
| Independent pharmacy | 4 | 2.4 | NPPES [2] |
| Urgent care | 3 | 1.8 | NPPES [2] |
| Dental specialties | 3 | 1.8 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 3 | 1.8 | NPPES [2] |
| Home health | 2 | 1.2 | NPPES [2] |
| NEMT and ambulance | 2 | 1.2 | NPPES [2] |
| Hospice and palliative | 2 | 1.2 | NPPES [2] |
| Clinical research sites | 2 | 1.2 | NPPES [2] |
| Clinical and toxicology labs | 2 | 1.2 | NPPES [2] |
| Dialysis and infusion centers | 2 | 1.2 | NPPES [2] |
| Occupational health and drug testing | 2 | 1.2 | NPPES [2] |
| Podiatry | 1 | 0.6 | NPPES [2] |
| Medical equipment suppliers | 8 | CMS [4] | |
| Hospice providers | 2 | CMS [4] | |
| Home health agencies | 1 | CMS [4] |
Primary care and family medicine carries 36 of the 173 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
What lenders have already approved in Gila County
The county file holds 1 healthcare approvals, which is a thin comparable set for anyone pricing collateral
| What it measures | Value | How to read it |
|---|---|---|
| Approvals on record | 1 | Counted for the fiscal year the SBA publishes [5] |
| Total approved capital | $1,611,000 | Everything approved to healthcare borrowers, added up [5] |
| Mean deal size | $1,611,000 | The dollar column over the approval column [5] |
| Lenders sited in the county | 18 | Places that write credit locally, NAICS 522 [6] |
How this data lands in an underwriting decision
A file from here opens on 103.2 providers per 10,000 residents, and everything about volume follows from it. With 1 approvals on record in Gila County, expect a longer appraisal and a wider collateral discount. Household income of $65,175 in Payson 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
- Expansion, relocation, and build-out
- Working capital term loan
- Equipment financing and leasing
The order comes from Payson's own provider mix, which primary care and family medicine dominates at 21 percent. What a partner can actually place in Arizona is a separate question.
The first pages of a Payson file
primary care and family medicine, physical, occupational, and speech therapy, general dentistry account for most of what is enumerated in Payson, so those are the files funders see from this town
| Field | What the file turns on | The capital event behind most requests |
|---|---|---|
| Primary care and family medicine (36) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| Physical, occupational, and speech therapy (31) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| General dentistry (19) | 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.
Payson against nearby Arizona markets
Density is the number that moves an appraisal: 103.2 per 10,000 here
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Payson (current) | 16,762 | 173 | 103.2 | |
| Camp Verde | 12,608 | 57 | 45.2 | 38 |
| Fountain Hills | 23,696 | 436 | 184.0 | 50 |
| Cottonwood | 12,939 | 276 | 213.3 | 52 |
| Paradise Valley | 12,523 | 110 | 87.8 | 60 |
| Apache Junction | 44,309 | 190 | 42.9 | 61 |
| Prescott Valley | 51,440 | 312 | 60.7 | 62 |
How Payson sits against the nearest metro
62 miles separate Payson from Prescott Valley-Prescott, AZ. Equipment sold at that distance has no local buyer, and the advance rate carries the discount. Median household income runs $65,175, which is the number a funder converts into case acceptance on anything elective or cash-pay. The hospital fixes two inputs a lender would otherwise estimate in a 16,762 resident town: where referrals originate, and what staff cost.
Nearby Arizona towns
- Camp Verde 12,608 residents
- Fountain Hills 23,696 residents
- Cottonwood 12,939 residents
- Paradise Valley 12,523 residents
- Apache Junction 44,309 residents
- Prescott Valley 51,440 residents
What owners in Payson ask
01How many providers practice in Payson, and in what?
Across 24 fields, Payson carries 173 enumerated clinicians, 103.2 per 10,000 of the 16,762 people living here. The concentration is in primary care and family medicine, 36 of the total, then physical, occupational, and speech therapy at 31. Count practices from that only with care.
02Does being 62 miles out change the underwriting?
Prescott Valley-Prescott, AZ is 62 miles away, far enough that rent and equipment resale comparables get pulled from Gila County rather than a metro market. At 62 miles the appraisal window runs longer and equipment resale gets discounted.
03What does Gila County's shortage designation change?
Designated for primary care, dental, mental health, Gila 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.
04Why does Gila County show so little SBA activity?
Gila County shows 1 approvals in the SBA healthcare file, which means an appraiser reaches outside the county for comparables. Few sales, not weak credit, is the usual reason. 18 lending establishments operate locally.
05How does the hospital in Payson affect a practice file?
A Medicare-certified hospital operates in the town, which gives referral flow, a call schedule, and a clinical labor pool a funder can verify. 3 Medicare-certified providers are located here in total. It also sets the wage floor behind every hire in a 103.2 per 10,000 market.
06Which fields carry the volume in Payson?
Primary care and family medicine at 36 providers and physical, occupational, and speech therapy at 31 lead the 24 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.
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.