Maine micro-market
Healthcare practice financing in South Portland, Maine
Direct answer
Density decides a lot here. South Portland runs 193.4 providers per 10,000 residents, 522 clinicians against 26,994 people, 30 percent of them in physical, occupational, and speech therapy, while Cumberland County lenders have approved 9 healthcare files worth $506,000 and the nearest metro is 5 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: 26,994 residents (25K-50K band)1
- Healthcare providers registered here: 522 across 28 fields2
- Median household income: $84,5633
- Largest provider field: Physical, occupational, and speech therapy: 157 registered providers2
- Medicare-certified providers in town: 6 across 3 categories4
- Nearest metro: Portland-South Portland, ME, 5 miles1
What NPPES records at South Portland addresses
The NPPES file puts 522 enumerated clinicians inside South Portland, spread over 28 fields at 193.4 per 10,000 residents
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| Physical, occupational, and speech therapy | 157 | 58.2 | NPPES [2] |
| Primary care and family medicine | 47 | 17.4 | NPPES [2] |
| Non-medical home care | 35 | 13.0 | NPPES [2] |
| Behavioral and mental health group practices | 35 | 13.0 | NPPES [2] |
| Chiropractic | 31 | 11.5 | NPPES [2] |
| Specialty physician groups | 30 | 11.1 | NPPES [2] |
| General dentistry | 28 | 10.4 | NPPES [2] |
| Home health | 22 | 8.1 | NPPES [2] |
| Optometry and ophthalmology | 21 | 7.8 | NPPES [2] |
| Dental specialties | 19 | 7.0 | NPPES [2] |
| DME and HME suppliers | 14 | 5.2 | NPPES [2] |
| ABA and autism therapy | 13 | 4.8 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 13 | 4.8 | NPPES [2] |
| Med spa and aesthetics | 9 | 3.3 | NPPES [2] |
| Dermatology | 8 | 3.0 | NPPES [2] |
| Plastic and cosmetic surgery | 6 | 2.2 | NPPES [2] |
| Independent pharmacy | 5 | 1.9 | NPPES [2] |
| Audiology and hearing centers | 5 | 1.9 | NPPES [2] |
| Hospice and palliative | 5 | 1.9 | NPPES [2] |
| Urgent care | 4 | 1.5 | NPPES [2] |
| SUD treatment and residential | 4 | 1.5 | NPPES [2] |
| Clinical and toxicology labs | 3 | 1.1 | NPPES [2] |
| NEMT and ambulance | 2 | 0.7 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 2 | 0.7 | NPPES [2] |
| ASCs and OBLs | 1 | 0.4 | NPPES [2] |
| Imaging centers | 1 | 0.4 | NPPES [2] |
| Fertility and IVF | 1 | 0.4 | NPPES [2] |
| Occupational health and drug testing | 1 | 0.4 | NPPES [2] |
| Medical equipment suppliers | 7 | CMS [4] | |
| Hospice providers | 3 | CMS [4] | |
| Home health agencies | 2 | CMS [4] | |
| Ambulatory surgical centers | 1 | CMS [4] |
Physical, occupational, and speech therapy carries 157 of the 522 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 Cumberland County
9 healthcare approvals sit in the county file, so an appraiser here works from a short comparable set
| What it measures | Value | How to read it |
|---|---|---|
| SBA healthcare approvals | 9 | One published fiscal year, healthcare borrowers only [5] |
| Approved dollars | $506,000 | Approved, not disbursed, and not net of withdrawals [5] |
| Average approval | $56,222 | A mean, so one large approval moves it [5] |
| Lending establishments in the county | 269 | Credit intermediation offices sited in the county [6] |
The consequence of these numbers
Underwriting starts with 193.4 providers per 10,000 residents, because that ratio caps how fast a chair or a room fills. With 9 approvals on record in Cumberland County, expect a longer appraisal and a wider collateral discount. Household income of $84,563 in South Portland 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
- Working capital term loan
- Startup and de novo
- Medical receivables factoring
- Expansion, relocation, and build-out
Weighted by how often each of the 28 local fields reaches for a program, not by what is easiest to refer. Maine rules and the partner decide availability.
The first pages of a South Portland file
physical, occupational, and speech therapy, primary care and family medicine, non-medical home care account for most of what is enumerated in South Portland, so those are the files funders see from this town
| Field | What the file turns on | The capital event behind most requests |
|---|---|---|
| Physical, occupational, and speech therapy (157) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Primary care and family medicine (47) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| Non-medical home care (35) | Payer mix between waiver and private pay, Caregiver retention, Electronic visit verification compliance | Payroll funding against waiver and managed care receivables |
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.
How South Portland prices against its neighbors
Comparables travel. These are the Maine towns whose density, at 193.4 per 10,000 here, gets weighed beside this one.
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| South Portland (current) | 26,994 | 522 | 193.4 | |
| Portland | 69,568 | 1,794 | 257.9 | 5 |
| Westbrook | 21,386 | 282 | 131.9 | 6 |
| Saco | 21,064 | 242 | 114.9 | 10 |
| Biddeford | 22,370 | 315 | 140.8 | 14 |
| Sanford | 22,497 | 154 | 68.5 | 28 |
| Auburn | 25,200 | 263 | 104.4 | 31 |
Distance, income, and the wage floor around South Portland
Distance to Portland-South Portland, ME is 5 miles. Appraisers borrow Portland-South Portland, ME rents, and the 26,994 residents set the ceiling on collections. Median household income runs $84,563, which is the number a funder converts into case acceptance on anything elective or cash-pay. Referral flow comes from outside South Portland, which a projection needs to state plainly. A degree-granting institution here moves volume on the academic calendar.
More of Maine
Questions from South Portland
01How many providers practice in South Portland, and in what?
Across 28 fields, South Portland carries 522 enumerated clinicians, 193.4 per 10,000 of the 26,994 people living here. The concentration is in physical, occupational, and speech therapy, 157 of the total, then primary care and family medicine at 47. Count practices from that only with care.
02What does Cumberland County's shortage designation change?
Cumberland County holds a HRSA designation covering primary care, dental, mental health. A pro forma for South Portland can cite it as the reason a vacancy is fillable, which is usually the weakest line in a ramp schedule.
03Why does Cumberland County show so little SBA activity?
The published file records 9 7(a) and 504 approvals to healthcare borrowers in Cumberland County. That tracks how few Cumberland County practices changed hands that year, not credit quality. 269 credit intermediation establishments operate in Cumberland County, so the lending capacity is local even where the healthcare history is not.
04Is South Portland underwritten as part of Portland-South Portland, ME?
Portland-South Portland, ME sits 5 miles away, close enough that appraisers reach into that market for rent and resale comparables while your patient draw stays local. The comparables read Portland-South Portland, ME; the 26,994 residents set the ceiling a projection can defend.
05Which fields carry the volume in South Portland?
Volume concentrates in physical, occupational, and speech therapy, 157 of them, ahead of primary care and family medicine at 47, across 28 fields. A thin second field usually means a longer search for staff than a pro forma allows for.
06How many Medicare-certified providers are based in South Portland?
The town carries 6 Medicare-certified providers. On a receivables request that number sets the expected collection lag, which is priced before anything about the practice itself is read.
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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