Delaware micro-market
Healthcare practice financing in Dover, Delaware
Direct answer
Kent County carries 4 SBA healthcare approvals worth $1,080,000, and inside Dover the census shows 972 enumerated clinicians against 40,191 residents, 241.8 per 10,000, 25 percent of them in physical, occupational, and speech therapy. Dover, DE lies 0 miles away.
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 Delaware, and how many partners see it, is set out on the Delaware page.
- Population: 40,191 residents (25K-50K band)1
- Healthcare providers registered here: 972 across 34 fields2
- Median household income: $58,3363
- Largest provider field: Physical, occupational, and speech therapy: 241 registered providers2
- Medicare-certified providers in town: 14 across 4 categories4
- Nearest metro: Dover, DE, 0 miles1
Dover clinicians, by field
241.8 providers per 10,000 residents is what 972 enumerations across 34 fields works out to in a town of 40,191
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Physical, occupational, and speech therapy | 241 | 60.0 | NPPES [2] |
| Primary care and family medicine | 121 | 30.1 | NPPES [2] |
| Specialty physician groups | 72 | 17.9 | NPPES [2] |
| DME and HME suppliers | 55 | 13.7 | NPPES [2] |
| Optometry and ophthalmology | 50 | 12.4 | NPPES [2] |
| Behavioral and mental health group practices | 48 | 11.9 | NPPES [2] |
| Chiropractic | 39 | 9.7 | NPPES [2] |
| Home health | 36 | 9.0 | NPPES [2] |
| ABA and autism therapy | 36 | 9.0 | NPPES [2] |
| General dentistry | 34 | 8.5 | NPPES [2] |
| Dental specialties | 27 | 6.7 | NPPES [2] |
| Non-medical home care | 23 | 5.7 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 23 | 5.7 | NPPES [2] |
| Sleep centers | 21 | 5.2 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 18 | 4.5 | NPPES [2] |
| SUD treatment and residential | 16 | 4.0 | NPPES [2] |
| Podiatry | 11 | 2.7 | NPPES [2] |
| Independent pharmacy | 11 | 2.7 | NPPES [2] |
| Occupational health and drug testing | 11 | 2.7 | NPPES [2] |
| Med spa and aesthetics | 10 | 2.5 | NPPES [2] |
| ASCs and OBLs | 8 | 2.0 | NPPES [2] |
| Audiology and hearing centers | 8 | 2.0 | NPPES [2] |
| Hormone, TRT, and men's health clinics | 8 | 2.0 | NPPES [2] |
| Clinical and toxicology labs | 8 | 2.0 | NPPES [2] |
| Dialysis and infusion centers | 8 | 2.0 | NPPES [2] |
| Telehealth and virtual clinics | 6 | 1.5 | NPPES [2] |
| Urgent care | 5 | 1.2 | NPPES [2] |
| Imaging centers | 4 | 1.0 | NPPES [2] |
| Dermatology | 3 | 0.7 | NPPES [2] |
| NEMT and ambulance | 3 | 0.7 | NPPES [2] |
| Hospice and palliative | 3 | 0.7 | NPPES [2] |
| Pain management and interventional | 2 | 0.5 | NPPES [2] |
| Plastic and cosmetic surgery | 2 | 0.5 | NPPES [2] |
| Clinical research sites | 1 | 0.2 | NPPES [2] |
| Medical equipment suppliers | 15 | CMS [4] | |
| Dialysis facilities | 5 | CMS [4] | |
| Home health agencies | 5 | CMS [4] | |
| Ambulatory surgical centers | 3 | CMS [4] | |
| Hospice providers | 1 | CMS [4] |
Physical, occupational, and speech therapy carries 241 of the 972 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
Loan activity in Kent County
With 4 healthcare approvals recorded, Kent County gives a valuation almost nothing local to lean on
| What it measures | Value | How to read it |
|---|---|---|
| Healthcare files approved | 4 | One published fiscal year, healthcare borrowers only [5] |
| Dollars behind them | $1,080,000 | Approved, not disbursed, and not net of withdrawals [5] |
| Typical approval size | $270,000 | A mean, so one large approval moves it [5] |
| Credit offices operating locally | 113 | Credit intermediation offices sited in the county [6] |
Reading Dover the way a credit committee does
The ratio that matters up front is 241.8 per 10,000, which decides whether a ramp schedule reads as conservative. Kent County has 4 approvals to compare against, so plan for extra appraisal time and a conservative valuation. With $58,336 as the median household income, the payer mix in a projection has to match what Dover households actually spend.
Where a file from this town usually lands
- Practice acquisition
- Working capital term loan
- Startup and de novo
- Expansion, relocation, and build-out
- Equipment financing and leasing
Weighted by how often each of the 34 local fields reaches for a program, not by what is easiest to refer. Delaware rules and the partner decide availability.
What a funder reads first in Dover
What a funder opens first depends on the field. In Dover that means physical, occupational, and speech therapy, primary care and family medicine, specialty physician groups.
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| Physical, occupational, and speech therapy (241) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Primary care and family medicine (121) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| Specialty physician groups (72) | Ancillary revenue contribution, Provider productivity, Payer contracts | Ancillary build-out |
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.
Density beside the neighboring Delaware towns
Comparables travel. These are the Delaware towns whose density, at 241.8 per 10,000 here, gets weighed beside this one.
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Dover (current) | 40,191 | 972 | 241.8 | |
| Smyrna | 13,326 | 177 | 132.8 | 10 |
| Milford | 14,079 | 343 | 243.6 | 18 |
| Middletown | 25,686 | 342 | 133.1 | 22 |
| Newark | 30,506 | 1,522 | 498.9 | 38 |
Distance, income, and the wage floor around Dover
Dover, DE lies 0 miles from Dover, close enough that appraisers price the lease against Dover, DE rents while 40,191 residents set the revenue ceiling. At $58,336 median household income, the elective and cash-pay share of a projection is the line that gets tested first. Wages here are anchored by the Medicare-certified hospital in town, which is what a staffing line gets measured against. Higher education here explains why summer looks unlike the rest of the year. Dover is the Kent County seat, so county employment steadies the payer mix.
More of Delaware
- Smyrna 13,326 residents
- Milford 14,079 residents
- Middletown 25,686 residents
- Newark 30,506 residents
Dover owners, answered
01How many providers practice in Dover, and in what?
Across 34 fields, Dover carries 972 enumerated clinicians, 241.8 per 10,000 of the 40,191 people living here. The concentration is in physical, occupational, and speech therapy, 241 of the total, then primary care and family medicine at 121. Count practices from that only with care.
02What does Kent County's shortage designation change?
Kent County holds a HRSA designation covering primary care, dental, mental health. A pro forma for Dover can cite it as the reason a vacancy is fillable, which is usually the weakest line in a ramp schedule.
03Why does Kent County show so little SBA activity?
The published file records 4 7(a) and 504 approvals to healthcare borrowers in Kent County. That tracks how few Kent County practices changed hands that year, not credit quality. 113 credit intermediation establishments operate in Kent County, so the lending capacity is local even where the healthcare history is not.
04How does the hospital in Dover affect a practice file?
It makes the staffing and referral lines checkable. 14 Medicare-certified providers hold Dover addresses, and the hospital sets the wage a clinical hire is bid against in a 241.8 per 10,000 market.
05Which fields carry the volume in Dover?
Physical, occupational, and speech therapy at 241 providers and primary care and family medicine at 121 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.
06Is Dover underwritten as part of Dover, DE?
Dover, DE sits 0 miles away, close enough that appraisers reach into that market for rent and resale comparables while your patient draw stays local. The comparables read Dover, DE; the 40,191 residents set the ceiling a projection can defend.
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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