Maryland micro-market
Healthcare practice financing in Annapolis, Maryland
Direct answer
Anne Arundel County carries 5 SBA healthcare approvals worth $825,000, and inside Annapolis the census shows 1,512 enumerated clinicians against 40,689 residents, 371.6 per 10,000, 35 percent of them in physical, occupational, and speech therapy. Baltimore-Columbia-Towson, MD lies 23 miles away.
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- Population: 40,689 residents (25K-50K band)1
- Healthcare providers registered here: 1,512 across 34 fields2
- Median household income: $104,2573
- Largest provider field: Physical, occupational, and speech therapy: 532 registered providers2
- Medicare-certified providers in town: 22 across 3 categories4
- Nearest metro: Baltimore-Columbia-Towson, MD, 23 miles1
Annapolis clinicians, by field
Counted at the town's own addresses: 1,512 providers, 34 fields, 371.6 clinicians per 10,000 of the 40,689 residents here
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| Physical, occupational, and speech therapy | 532 | 130.7 | NPPES [2] |
| Specialty physician groups | 159 | 39.1 | NPPES [2] |
| Primary care and family medicine | 101 | 24.8 | NPPES [2] |
| Optometry and ophthalmology | 96 | 23.6 | NPPES [2] |
| General dentistry | 78 | 19.2 | NPPES [2] |
| Behavioral and mental health group practices | 66 | 16.2 | NPPES [2] |
| DME and HME suppliers | 53 | 13.0 | NPPES [2] |
| Dental specialties | 47 | 11.6 | NPPES [2] |
| Chiropractic | 45 | 11.1 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 41 | 10.1 | NPPES [2] |
| Med spa and aesthetics | 38 | 9.3 | NPPES [2] |
| ABA and autism therapy | 34 | 8.4 | NPPES [2] |
| Dermatology | 29 | 7.1 | NPPES [2] |
| Audiology and hearing centers | 24 | 5.9 | NPPES [2] |
| ASCs and OBLs | 23 | 5.7 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 21 | 5.2 | NPPES [2] |
| Non-medical home care | 17 | 4.2 | NPPES [2] |
| Hormone, TRT, and men's health clinics | 14 | 3.4 | NPPES [2] |
| Independent pharmacy | 13 | 3.2 | NPPES [2] |
| SUD treatment and residential | 11 | 2.7 | NPPES [2] |
| Home health | 9 | 2.2 | NPPES [2] |
| Podiatry | 8 | 2.0 | NPPES [2] |
| Occupational health and drug testing | 8 | 2.0 | NPPES [2] |
| Clinical and toxicology labs | 7 | 1.7 | NPPES [2] |
| Plastic and cosmetic surgery | 7 | 1.7 | NPPES [2] |
| Dialysis and infusion centers | 6 | 1.5 | NPPES [2] |
| Telehealth and virtual clinics | 6 | 1.5 | NPPES [2] |
| Pain management and interventional | 5 | 1.2 | NPPES [2] |
| Urgent care | 3 | 0.7 | NPPES [2] |
| Fertility and IVF | 3 | 0.7 | NPPES [2] |
| Hospice and palliative | 3 | 0.7 | NPPES [2] |
| IV hydration and infusion | 3 | 0.7 | NPPES [2] |
| Imaging centers | 1 | 0.2 | NPPES [2] |
| Clinical research sites | 1 | 0.2 | NPPES [2] |
| Medical equipment suppliers | 23 | CMS [4] | |
| Ambulatory surgical centers | 17 | CMS [4] | |
| Dialysis facilities | 4 | CMS [4] | |
| Hospice providers | 1 | CMS [4] |
A single Annapolis practice can hold more than one of these numbers. 35 percent sit in physical, occupational, and speech therapy, counted as clinicians rather than as owners.
Loan activity in Anne Arundel County
The county file holds 5 healthcare approvals, which is a thin comparable set for anyone pricing collateral
| Line | Amount | Reading and source |
|---|---|---|
| SBA healthcare approvals | 5 | Counted for the fiscal year the SBA publishes [5] |
| Approved dollars | $825,000 | Everything approved to healthcare borrowers, added up [5] |
| Average approval | $165,000 | The dollar column over the approval column [5] |
| Lending establishments in the county | 298 | Places that write credit locally, NAICS 522 [6] |
Reading Annapolis the way a credit committee does
Underwriting starts with 371.6 providers per 10,000 residents, because that ratio caps how fast a chair or a room fills. A short county record of 5 approvals usually means more documentation and a lower advance against the same collateral. Household income of $104,257 in Annapolis is the number a lender uses to sanity check the self-pay share of a revenue projection.
Programs the Annapolis mix reaches for
- Practice acquisition
- Startup and de novo
- Working capital term loan
- Expansion, relocation, and build-out
- Equipment financing and leasing
The 34 fields practicing locally set this order. A funding partner, not this list, decides what is available in Maryland.
What a funder reads first in Annapolis
physical, occupational, and speech therapy, specialty physician groups, primary care and family medicine account for most of what is enumerated in Annapolis, 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 (532) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Specialty physician groups (159) | Ancillary revenue contribution, Provider productivity, Payer contracts | Ancillary build-out |
| Primary care and family medicine (101) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
The first column is Annapolis's own NPPES count. The rest is how the field is generally underwritten, whether the address is Annapolis or anywhere else.
Annapolis against nearby Maryland markets
371.6 per 10,000 is the figure a neighboring town gets compared against when an appraiser prices Annapolis
| Comparable | People | Enumerations | Per 10,000 residents | Miles |
|---|---|---|---|---|
| Annapolis (current) | 40,689 | 1,512 | 371.6 | |
| Bowie | 58,421 | 991 | 169.6 | 13 |
| Greenbelt | 24,843 | 448 | 180.3 | 20 |
| New Carrollton | 13,645 | 51 | 37.4 | 20 |
| Laurel | 30,238 | 1,147 | 379.3 | 21 |
| College Park | 34,667 | 196 | 56.5 | 23 |
| Hyattsville | 21,052 | 582 | 276.5 | 24 |
How Annapolis sits against the nearest metro
Distance to Baltimore-Columbia-Towson, MD is 23 miles. Appraisers borrow Baltimore-Columbia-Towson, MD rents, and the 40,689 residents set the ceiling on collections. Households here carry $104,257 in median income, and that ceiling decides how much of a treatment plan gets started rather than deferred. The hospital fixes two inputs a lender would otherwise estimate in a 40,689 resident town: where referrals originate, and what staff cost. Campus terms, not calendar quarters, set the busy months in Annapolis. Annapolis is the Anne Arundel County seat, so county employment steadies the payer mix.
More of Maryland
- Bowie 58,421 residents
- Greenbelt 24,843 residents
- New Carrollton 13,645 residents
- Laurel 30,238 residents
- College Park 34,667 residents
- Hyattsville 21,052 residents
Questions from Annapolis
01How many providers practice in Annapolis, and in what?
Across 34 fields, Annapolis carries 1,512 enumerated clinicians, 371.6 per 10,000 of the 40,689 people living here. The concentration is in physical, occupational, and speech therapy, 532 of the total, then specialty physician groups at 159. Count practices from that only with care.
02What does Anne Arundel County's shortage designation change?
Designated for primary care, dental, mental health, Anne Arundel 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.
03Why does Anne Arundel County show so little SBA activity?
Anne Arundel County shows 5 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. 298 lending establishments operate locally.
04Which fields carry the volume in Annapolis?
The 34 enumerated fields are led by physical, occupational, and speech therapy at 532, with specialty physician groups at 159 behind it. Those two counts double as the competition you are entering and the bench you would hire from.
05How many Medicare-certified providers are based in Annapolis?
Care Compare lists 22 certified providers with a Annapolis 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.
06Is Annapolis underwritten as part of Baltimore-Columbia-Towson, MD?
Comparables and demand split at 23 miles. An appraiser prices the lease and the equipment off Baltimore-Columbia-Towson, MD; the revenue line has to hold up against 40,689 local residents.
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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