Massachusetts micro-market
Healthcare practice financing in Amesbury, Massachusetts
Direct answer
309 healthcare providers hold a Amesbury practice address, 175.4 per 10,000 of its 17,617 residents, 72 percent of them in physical, occupational, and speech therapy. Essex County recorded 23 SBA healthcare approvals worth $5,840,900, and Manchester-Nashua, NH sits 26 miles out.
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- Population: 17,617 residents (10K-25K band)1
- Healthcare providers registered here: 309 across 22 fields2
- Largest provider field: Physical, occupational, and speech therapy: 222 registered providers2
- Nearest metro: Manchester-Nashua, NH, 26 miles1
- SBA healthcare approvals in the county: 23 approvals totaling $5,840,9003
- Average SBA approval in the county: $253,9523
Fields practicing inside Amesbury
175.4 providers per 10,000 residents is what 309 enumerations across 22 fields works out to in a town of 17,617
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Physical, occupational, and speech therapy | 222 | 126.0 | NPPES [2] |
| Behavioral and mental health group practices | 15 | 8.5 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 10 | 5.7 | NPPES [2] |
| General dentistry | 8 | 4.5 | NPPES [2] |
| Chiropractic | 7 | 4.0 | NPPES [2] |
| Home health | 6 | 3.4 | NPPES [2] |
| Optometry and ophthalmology | 5 | 2.8 | NPPES [2] |
| DME and HME suppliers | 4 | 2.3 | NPPES [2] |
| Primary care and family medicine | 4 | 2.3 | NPPES [2] |
| Dental specialties | 4 | 2.3 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 4 | 2.3 | NPPES [2] |
| Audiology and hearing centers | 3 | 1.7 | NPPES [2] |
| ABA and autism therapy | 3 | 1.7 | NPPES [2] |
| Specialty physician groups | 3 | 1.7 | NPPES [2] |
| Med spa and aesthetics | 2 | 1.1 | NPPES [2] |
| Hormone, TRT, and men's health clinics | 2 | 1.1 | NPPES [2] |
| Occupational health and drug testing | 2 | 1.1 | NPPES [2] |
| SUD treatment and residential | 1 | 0.6 | NPPES [2] |
| NEMT and ambulance | 1 | 0.6 | NPPES [2] |
| Independent pharmacy | 1 | 0.6 | NPPES [2] |
| Non-medical home care | 1 | 0.6 | NPPES [2] |
| Dialysis and infusion centers | 1 | 0.6 | NPPES [2] |
| Medical equipment suppliers | 3 | CMS [4] |
Physical, occupational, and speech therapy carries 222 of the 309 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 Essex County
The published file shows 23 healthcare approvals in Essex County, $5,840,900 in total, and that history is what an appraiser and a credit committee reach for
| What it measures | Value | How to read it |
|---|---|---|
| Healthcare files approved | 23 | Counted for the fiscal year the SBA publishes [3] |
| Dollars behind them | $5,840,900 | Everything approved to healthcare borrowers, added up [3] |
| Typical approval size | $253,952 | The dollar column over the approval column [3] |
| Credit offices operating locally | 421 | Places that write credit locally, NAICS 522 [5] |
How this data lands in an underwriting decision
A file from here opens on 175.4 providers per 10,000 residents, and everything about volume follows from it. 23 approvals worth $5,840,900 in Essex County means the size you are asking for has a local precedent to point at. With 17,617 residents in Amesbury, growth claims are read against the population, not against the county total.
Where a file from this town usually lands
- Practice acquisition
- Startup and de novo
- Working capital term loan
- Medical receivables factoring
- Equipment financing and leasing
The 22 fields practicing locally set this order. A funding partner, not this list, decides what is available in Massachusetts.
The first pages of a Amesbury file
What a funder opens first depends on the field. In Amesbury that means physical, occupational, and speech therapy, behavioral and mental health group practices, skilled nursing, assisted living, and memory care.
| Practice type | The pages that decide it | Typical capital event |
|---|---|---|
| Physical, occupational, and speech therapy (222) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Behavioral and mental health group practices (15) | Clinician retention and productivity, Payer mix and Medicaid concentration, Re-authorization and session limit exposure | Working capital through the credentialing lag |
| Skilled nursing, assisted living, and memory care (10) | Census and occupancy, Staffing reporting, Survey history | Working capital |
Column one counts Amesbury clinicians from the federal file. Columns two and three describe how the field is usually underwritten, and a partner can read a Amesbury file differently.
Density beside the neighboring Massachusetts towns
Set Amesbury's 175.4 per 10,000 against the towns an appraiser would reach for next
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Amesbury (current) | 17,617 | 309 | 175.4 | |
| Newburyport | 19,163 | 218 | 113.8 | 4 |
| Haverhill | 68,291 | 454 | 66.5 | 8 |
| Methuen | 54,272 | 348 | 64.1 | 14 |
| Lawrence | 89,332 | 891 | 99.7 | 15 |
| Beverly | 43,223 | 772 | 178.6 | 21 |
| Gloucester | 30,491 | 228 | 74.8 | 21 |
Distance, income, and the wage floor around Amesbury
Manchester-Nashua, NH lies 26 miles from Amesbury, close enough for rent comparables to travel and far enough that patient draw does not. Referral flow comes from outside Amesbury, which a projection needs to state plainly.
Nearby Massachusetts towns
- Newburyport 19,163 residents
- Haverhill 68,291 residents
- Methuen 54,272 residents
- Lawrence 89,332 residents
- Beverly 43,223 residents
- Gloucester 30,491 residents
Amesbury owners, answered
01How many providers practice in Amesbury, and in what?
NPPES lists 309 providers at a Amesbury practice address, 175.4 per 10,000 residents across 22 tracked fields. Physical, occupational, and speech therapy accounts for 222 of them, 72 percent of the total, with behavioral and mental health group practices next at 15. Read that as clinicians: 309 enumerations, not 309 owners.
02What does Essex County's shortage designation change?
Designated for primary care, dental, mental health, Essex 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.
03Is Amesbury underwritten as part of Manchester-Nashua, NH?
Comparables and demand split at 26 miles. An appraiser prices the lease and the equipment off Manchester-Nashua, NH; the revenue line has to hold up against 17,617 local residents.
04What does SBA lending look like around Amesbury?
The county file behind Amesbury holds 23 healthcare approvals totaling $5,840,900, an average of $253,952. Those are the loan sizes lenders in Essex County have already carried.
05Is there local lending capacity in Essex County?
County Business Patterns records 421 credit intermediation establishments in Essex County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Amesbury rents and resale before or by somebody working from a screen.
06What does the underserved designation in Essex County support?
Essex County carries a medically underserved designation. It evidences unmet demand behind a capacity build, and it opens recruitment programs that make a staffing line in a projection easier to defend than local wage data alone would.
Sources
- 1U.S. Census Bureau, Population Estimates, vintage 2024
- 2CMS NPPES, monthly full replacement file
- 3U.S. Small Business Administration, 7(a) and 504 approvals
- 4CMS Care Compare provider datasets
- 5U.S. Census Bureau, County Business Patterns 2022
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