Maryland micro-market
Healthcare practice financing in Cambridge, Maryland
Direct answer
Density decides a lot here. Cambridge runs 168.1 providers per 10,000 residents, 223 clinicians against 13,262 people, 20 percent of them in primary care and family medicine, while Dorchester County lenders have approved 0 healthcare files worth $0 and the nearest metro is 29 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 Maryland, and how many partners see it, is set out on the Maryland page.
- Population: 13,262 residents (10K-25K band)1
- Healthcare providers registered here: 223 across 30 fields2
- Median household income: $46,2613
- Largest provider field: Primary care and family medicine: 44 registered providers2
- Medicare-certified providers in town: 2 across 2 categories4
- Nearest metro: Salisbury, MD, 29 miles1
The provider census in Cambridge
The NPPES file puts 223 enumerated clinicians inside Cambridge, spread over 30 fields at 168.1 per 10,000 residents
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Primary care and family medicine | 44 | 33.2 | NPPES [2] |
| Physical, occupational, and speech therapy | 38 | 28.7 | NPPES [2] |
| Specialty physician groups | 14 | 10.6 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 13 | 9.8 | NPPES [2] |
| SUD treatment and residential | 12 | 9.0 | NPPES [2] |
| Behavioral and mental health group practices | 12 | 9.0 | NPPES [2] |
| Optometry and ophthalmology | 11 | 8.3 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 10 | 7.5 | NPPES [2] |
| General dentistry | 8 | 6.0 | NPPES [2] |
| DME and HME suppliers | 7 | 5.3 | NPPES [2] |
| Home health | 7 | 5.3 | NPPES [2] |
| Independent pharmacy | 7 | 5.3 | NPPES [2] |
| Podiatry | 5 | 3.8 | NPPES [2] |
| Audiology and hearing centers | 4 | 3.0 | NPPES [2] |
| Dermatology | 3 | 2.3 | NPPES [2] |
| Chiropractic | 3 | 2.3 | NPPES [2] |
| Pain management and interventional | 3 | 2.3 | NPPES [2] |
| Dental specialties | 3 | 2.3 | NPPES [2] |
| NEMT and ambulance | 2 | 1.5 | NPPES [2] |
| Med spa and aesthetics | 2 | 1.5 | NPPES [2] |
| Clinical research sites | 2 | 1.5 | NPPES [2] |
| Hormone, TRT, and men's health clinics | 2 | 1.5 | NPPES [2] |
| Clinical and toxicology labs | 2 | 1.5 | NPPES [2] |
| Telehealth and virtual clinics | 2 | 1.5 | NPPES [2] |
| Occupational health and drug testing | 2 | 1.5 | NPPES [2] |
| Urgent care | 1 | 0.8 | NPPES [2] |
| ASCs and OBLs | 1 | 0.8 | NPPES [2] |
| Imaging centers | 1 | 0.8 | NPPES [2] |
| ABA and autism therapy | 1 | 0.8 | NPPES [2] |
| Dialysis and infusion centers | 1 | 0.8 | NPPES [2] |
| Medical equipment suppliers | 5 | CMS [4] | |
| Ambulatory surgical centers | 1 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] |
Several of the 44 primary care and family medicine enumerations can belong to one practice, so the column counts clinicians rather than businesses or owners
Dorchester County approvals, dollars, and lending establishments
With 0 healthcare approvals recorded, Dorchester County gives a valuation almost nothing local to lean on
| Measure | Published figure | What sits behind it |
|---|---|---|
| Approvals on record | 0 | One published fiscal year, healthcare borrowers only [5] |
| Total approved capital | $0 | Approved, not disbursed, and not net of withdrawals [5] |
| Mean deal size | No approvals recorded | A mean, so one large approval moves it [5] |
| Lenders sited in the county | 20 | Credit intermediation offices sited in the county [6] |
What the two tables above change about a file
A file from here opens on 168.1 providers per 10,000 residents, and everything about volume follows from it. Dorchester County has 0 approvals to compare against, so plan for extra appraisal time and a conservative valuation. A $46,261 median household income here sets the ceiling on what an elective or cash-pay line can be expected to carry.
The programs this provider mix points at
- Practice acquisition
- Working capital term loan
- Expansion, relocation, and build-out
- Startup and de novo
- Commercial real estate, owner-occupied
Weighted by how often each of the 30 local fields reaches for a program, not by what is easiest to refer. Maryland rules and the partner decide availability.
Underwriting by field in Cambridge
primary care and family medicine, physical, occupational, and speech therapy, specialty physician groups account for most of what is enumerated in Cambridge, so those are the files funders see from this town
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| Primary care and family medicine (44) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| Physical, occupational, and speech therapy (38) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Specialty physician groups (14) | Ancillary revenue contribution, Provider productivity, Payer contracts | Ancillary build-out |
Column one counts Cambridge clinicians from the federal file. Columns two and three describe how the field is usually underwritten, and a partner can read a Cambridge file differently.
Density beside the neighboring Maryland towns
Density is the number that moves an appraisal: 168.1 per 10,000 here
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Cambridge (current) | 13,262 | 223 | 168.1 | |
| Easton | 17,381 | 523 | 300.9 | 15 |
| Salisbury | 33,616 | 993 | 295.4 | 29 |
| Annapolis | 40,689 | 1,512 | 371.6 | 37 |
| Bowie | 58,421 | 991 | 169.6 | 45 |
| La Plata | 11,374 | 232 | 204.0 | 48 |
| New Carrollton | 13,645 | 51 | 37.4 | 52 |
What the geography does to a Cambridge projection
29 miles separate Cambridge from Salisbury, MD. Rent comparables cross that gap; patients mostly do not. At $46,261 median household income, the elective and cash-pay share of a projection is the line that gets tested first. Hospital coverage inside Cambridge means a call schedule can be evidenced rather than described. Cambridge is the Dorchester County seat, so county employment steadies the payer mix.
Other Maryland markets
What owners in Cambridge ask
01How many providers practice in Cambridge, and in what?
NPPES lists 223 providers at a Cambridge practice address, 168.1 per 10,000 residents across 30 tracked fields. Primary care and family medicine accounts for 44 of them, 20 percent of the total, with physical, occupational, and speech therapy next at 38. Read that as clinicians: 223 enumerations, not 223 owners.
02What does Dorchester County's shortage designation change?
The primary care, dental, mental health designation HRSA carries on Dorchester County is a recruiting instrument: it puts repayment incentives in front of candidates, which is how a hiring plan for 13,262 residents gets past the question of who would take the job.
03Why does Dorchester County show so little SBA activity?
The published file records 0 7(a) and 504 approvals to healthcare borrowers in Dorchester County. That tracks how few Dorchester County practices changed hands that year, not credit quality. 20 credit intermediation establishments operate in Dorchester County, so the lending capacity is local even where the healthcare history is not.
04Is Cambridge underwritten as part of Salisbury, MD?
Comparables and demand split at 29 miles. An appraiser prices the lease and the equipment off Salisbury, MD; the revenue line has to hold up against 13,262 local residents.
05How does the hospital in Cambridge affect a practice file?
It makes the staffing and referral lines checkable. 2 Medicare-certified providers hold Cambridge addresses, and the hospital sets the wage a clinical hire is bid against in a 168.1 per 10,000 market.
06What does a $46,261 median income mean for case acceptance?
Median household income in Cambridge runs $46,261. On elective and cash-pay work that is the number a funder converts into case acceptance, and it sets how much of a treatment plan a projection can assume gets started rather than deferred.
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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