Maine micro-market
Healthcare practice financing in Auburn, Maine
Direct answer
263 healthcare providers hold a Auburn practice address, 104.4 per 10,000 of its 25,200 residents, 33 percent of them in physical, occupational, and speech therapy. Androscoggin County recorded 2 SBA healthcare approvals worth $362,500, and Lewiston-Auburn, ME sits 4 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 Maine, and how many partners see it, is set out on the Maine page.
- Population: 25,200 residents (25K-50K band)1
- Healthcare providers registered here: 263 across 25 fields2
- Median household income: $66,5523
- Largest provider field: Physical, occupational, and speech therapy: 88 registered providers2
- Medicare-certified providers in town: 3 across 3 categories4
- Nearest metro: Lewiston-Auburn, ME, 4 miles1
Auburn clinicians, by field
The NPPES file puts 263 enumerated clinicians inside Auburn, spread over 25 fields at 104.4 per 10,000 residents
| Practice type | Count | Rate per 10,000 residents | Published by |
|---|---|---|---|
| Physical, occupational, and speech therapy | 88 | 34.9 | NPPES [2] |
| General dentistry | 32 | 12.7 | NPPES [2] |
| Primary care and family medicine | 20 | 7.9 | NPPES [2] |
| Dental specialties | 15 | 6.0 | NPPES [2] |
| DME and HME suppliers | 12 | 4.8 | NPPES [2] |
| Non-medical home care | 11 | 4.4 | NPPES [2] |
| ABA and autism therapy | 11 | 4.4 | NPPES [2] |
| Chiropractic | 10 | 4.0 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 10 | 4.0 | NPPES [2] |
| Specialty physician groups | 9 | 3.6 | NPPES [2] |
| Optometry and ophthalmology | 8 | 3.2 | NPPES [2] |
| Independent pharmacy | 7 | 2.8 | NPPES [2] |
| Behavioral and mental health group practices | 7 | 2.8 | NPPES [2] |
| Home health | 5 | 2.0 | NPPES [2] |
| Urgent care | 4 | 1.6 | NPPES [2] |
| Podiatry | 3 | 1.2 | NPPES [2] |
| ASCs and OBLs | 3 | 1.2 | NPPES [2] |
| Imaging centers | 1 | 0.4 | NPPES [2] |
| Pain management and interventional | 1 | 0.4 | NPPES [2] |
| NEMT and ambulance | 1 | 0.4 | NPPES [2] |
| Audiology and hearing centers | 1 | 0.4 | NPPES [2] |
| Hospice and palliative | 1 | 0.4 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 1 | 0.4 | NPPES [2] |
| Dialysis and infusion centers | 1 | 0.4 | NPPES [2] |
| Occupational health and drug testing | 1 | 0.4 | NPPES [2] |
| Medical equipment suppliers | 14 | CMS [4] | |
| Ambulatory surgical centers | 1 | CMS [4] | |
| Hospice providers | 1 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] |
A single Auburn practice can hold more than one of these numbers. 33 percent sit in physical, occupational, and speech therapy, counted as clinicians rather than as owners.
What Androscoggin County credit files already show
With 2 healthcare approvals recorded, Androscoggin County gives a valuation almost nothing local to lean on
| Line | Amount | Reading and source |
|---|---|---|
| SBA healthcare approvals | 2 | One published fiscal year, healthcare borrowers only [5] |
| Approved dollars | $362,500 | Approved, not disbursed, and not net of withdrawals [5] |
| Average approval | $181,250 | A mean, so one large approval moves it [5] |
| Lending establishments in the county | 68 | Credit intermediation offices sited in the county [6] |
How this data lands in an underwriting decision
The ratio that matters up front is 104.4 per 10,000, which decides whether a ramp schedule reads as conservative. With 2 approvals on record in Androscoggin County, expect a longer appraisal and a wider collateral discount. With $66,552 as the median household income, the payer mix in a projection has to match what Auburn households actually spend.
Programs the Auburn mix reaches for
- 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 Auburn does not appear. Availability is still a Maine question.
What a funder reads first in Auburn
What a funder opens first depends on the field. In Auburn that means physical, occupational, and speech therapy, general dentistry, primary care and family medicine.
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| Physical, occupational, and speech therapy (88) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| General dentistry (32) | Three years of collections history, Hygiene as a share of collections, Overhead ratio and owner add-backs | Acquisition of an established practice |
| Primary care and family medicine (20) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
NPPES supplies the Auburn counts. The reading columns describe the field in general, and no partner reviewing a Auburn file is bound by them.
Density beside the neighboring Maine towns
104.4 per 10,000 is the figure a neighboring town gets compared against when an appraiser prices Auburn
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Auburn (current) | 25,200 | 263 | 104.4 | |
| Lewiston | 38,772 | 687 | 177.2 | 4 |
| Westbrook | 21,386 | 282 | 131.9 | 26 |
| Augusta | 19,168 | 569 | 296.8 | 31 |
| Portland | 69,568 | 1,794 | 257.9 | 31 |
| South Portland | 26,994 | 522 | 193.4 | 31 |
| Saco | 21,064 | 242 | 114.9 | 39 |
How Auburn sits against the nearest metro
Distance to Lewiston-Auburn, ME is 4 miles. Appraisers borrow Lewiston-Auburn, ME rents, and the 25,200 residents set the ceiling on collections. Median household income runs $66,552, which is the number a funder converts into case acceptance on anything elective or cash-pay. No hospital operates here, so the referral sources and the call arrangement have to be named rather than assumed. Higher education here explains why summer looks unlike the rest of the year. Auburn is the Androscoggin County seat, so county employment steadies the payer mix.
More of Maine
Auburn owners, answered
01How many providers practice in Auburn, and in what?
263 enumerations sit at Auburn addresses in the monthly NPPES file, working out to 104.4 for every 10,000 residents. 33 percent of them are physical, occupational, and speech therapy, and general dentistry follows with 32. An enumeration is a clinician, so the 263 here cover fewer than 263 practices.
02What does Androscoggin County's shortage designation change?
HRSA designates Androscoggin County for primary care, dental, mental health. That opens loan repayment programs for clinicians recruited into Auburn and evidences a staffing ramp in a 25,200 resident market.
03Why does Androscoggin County show so little SBA activity?
The published file records 2 7(a) and 504 approvals to healthcare borrowers in Androscoggin County. That tracks how few Androscoggin County practices changed hands that year, not credit quality. 68 credit intermediation establishments operate in Androscoggin County, so the lending capacity is local even where the healthcare history is not.
04Which fields carry the volume in Auburn?
The 25 enumerated fields are led by physical, occupational, and speech therapy at 88, with general dentistry at 32 behind it. Those two counts double as the competition you are entering and the bench you would hire from.
05Is there local lending capacity in Androscoggin County?
County Business Patterns records 68 credit intermediation establishments in Androscoggin County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Auburn rents and resale before or by somebody working from a screen.
06Is Auburn underwritten as part of Lewiston-Auburn, ME?
Lewiston-Auburn, ME sits 4 miles away, close enough that appraisers reach into that market for rent and resale comparables while your patient draw stays local. The comparables read Lewiston-Auburn, ME; the 25,200 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
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.