Massachusetts micro-market
Healthcare practice financing in Beverly, Massachusetts
Direct answer
Density decides a lot here. Beverly runs 178.6 providers per 10,000 residents, 772 clinicians against 43,223 people, 35 percent of them in physical, occupational, and speech therapy, while Essex County lenders have approved 23 healthcare files worth $5,840,900 and the nearest metro is 18 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 Massachusetts, and how many partners see it, is set out on the Massachusetts page.
- Population: 43,223 residents (25K-50K band)1
- Healthcare providers registered here: 772 across 31 fields2
- Median household income: $103,7393
- Largest provider field: Physical, occupational, and speech therapy: 271 registered providers2
- Medicare-certified providers in town: 4 across 3 categories4
- Nearest metro: Boston-Cambridge-Newton, MA-NH, 18 miles1
The clinical base a lender can verify here
772 providers across 31 fields, 178.6 per 10,000 residents, counted at Beverly addresses in the NPPES monthly file
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| Physical, occupational, and speech therapy | 271 | 62.7 | NPPES [2] |
| Behavioral and mental health group practices | 108 | 25.0 | NPPES [2] |
| ABA and autism therapy | 75 | 17.4 | NPPES [2] |
| Specialty physician groups | 66 | 15.3 | NPPES [2] |
| General dentistry | 33 | 7.6 | NPPES [2] |
| Primary care and family medicine | 31 | 7.2 | NPPES [2] |
| Dermatology | 25 | 5.8 | NPPES [2] |
| Chiropractic | 22 | 5.1 | NPPES [2] |
| Dental specialties | 21 | 4.9 | NPPES [2] |
| Home health | 20 | 4.6 | NPPES [2] |
| Optometry and ophthalmology | 19 | 4.4 | NPPES [2] |
| DME and HME suppliers | 14 | 3.2 | NPPES [2] |
| Med spa and aesthetics | 13 | 3.0 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 8 | 1.9 | NPPES [2] |
| Non-medical home care | 7 | 1.6 | NPPES [2] |
| Clinical and toxicology labs | 6 | 1.4 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 6 | 1.4 | NPPES [2] |
| Podiatry | 5 | 1.2 | NPPES [2] |
| Plastic and cosmetic surgery | 5 | 1.2 | NPPES [2] |
| Telehealth and virtual clinics | 3 | 0.7 | NPPES [2] |
| Urgent care | 2 | 0.5 | NPPES [2] |
| Independent pharmacy | 2 | 0.5 | NPPES [2] |
| Audiology and hearing centers | 2 | 0.5 | NPPES [2] |
| SUD treatment and residential | 1 | 0.2 | NPPES [2] |
| Imaging centers | 1 | 0.2 | NPPES [2] |
| Pain management and interventional | 1 | 0.2 | NPPES [2] |
| Hospice and palliative | 1 | 0.2 | NPPES [2] |
| Clinical research sites | 1 | 0.2 | NPPES [2] |
| Hormone, TRT, and men's health clinics | 1 | 0.2 | NPPES [2] |
| Dialysis and infusion centers | 1 | 0.2 | NPPES [2] |
| Occupational health and drug testing | 1 | 0.2 | NPPES [2] |
| Medical equipment suppliers | 6 | CMS [4] | |
| Home health agencies | 2 | CMS [4] | |
| Ambulatory surgical centers | 1 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] |
Physical, occupational, and speech therapy carries 271 of the 772 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
What Essex County credit files already show
Lenders in Essex County have already closed 23 healthcare approvals, averaging $253,952, which is the size a new file gets read beside
| What it measures | Value | How to read it |
|---|---|---|
| SBA healthcare approvals | 23 | One published fiscal year, healthcare borrowers only [5] |
| Approved dollars | $5,840,900 | Approved, not disbursed, and not net of withdrawals [5] |
| Average approval | $253,952 | A mean, so one large approval moves it [5] |
| Lending establishments in the county | 421 | Credit intermediation offices sited in the county [6] |
What the two tables above change about a file
The ratio that matters up front is 178.6 per 10,000, which decides whether a ramp schedule reads as conservative. A request measured against 23 prior Essex County approvals is priced on precedent, which shortens the questions about valuation. A $103,739 median household income here sets the ceiling on what an elective or cash-pay line can be expected to carry.
Where a file from this town usually lands
- Practice acquisition
- Working capital term loan
- Startup and de novo
- Expansion, relocation, and build-out
- Equipment financing and leasing
The 31 fields practicing locally set this order. A funding partner, not this list, decides what is available in Massachusetts.
What a funder reads first in Beverly
Drawn from the fields that actually practice here: physical, occupational, and speech therapy, behavioral and mental health group practices, aba and autism therapy
| Practice type | The pages that decide it | Typical capital event |
|---|---|---|
| Physical, occupational, and speech therapy (271) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Behavioral and mental health group practices (108) | Clinician retention and productivity, Payer mix and Medicaid concentration, Re-authorization and session limit exposure | Working capital through the credentialing lag |
| ABA and autism therapy (75) | Authorized hours against delivered hours, Payer mix stability, Billing compliance history | Working capital against authorization and billing lag |
Counts in the first column are Beverly providers from NPPES. The other two columns describe how funders read that field across markets like Beverly, not what any funder will do with your file.
Density beside the neighboring Massachusetts towns
178.6 per 10,000 is the figure a neighboring town gets compared against when an appraiser prices Beverly
| Comparable | People | Enumerations | Per 10,000 residents | Miles |
|---|---|---|---|---|
| Beverly (current) | 43,223 | 772 | 178.6 | |
| Salem | 45,677 | 581 | 127.2 | 5 |
| Peabody | 55,418 | 561 | 101.2 | 7 |
| Gloucester | 30,491 | 228 | 74.8 | 9 |
| Revere | 60,702 | 195 | 32.1 | 12 |
| Melrose | 29,938 | 196 | 65.5 | 13 |
| Malden | 66,693 | 444 | 66.6 | 14 |
How Beverly sits against the nearest metro
Distance to Boston-Cambridge-Newton, MA-NH is 18 miles. Appraisers borrow Boston-Cambridge-Newton, MA-NH rents, and the 43,223 residents set the ceiling on collections. Median household income runs $103,739, which is the number a funder converts into case acceptance on anything elective or cash-pay. The Medicare-certified hospital in Beverly sets the local wage floor before you hire against it. Campus terms, not calendar quarters, set the busy months in Beverly.
Other Massachusetts markets
Questions from Beverly
01How many providers practice in Beverly, and in what?
NPPES lists 772 providers at a Beverly practice address, 178.6 per 10,000 residents across 31 tracked fields. Physical, occupational, and speech therapy accounts for 271 of them, 35 percent of the total, with behavioral and mental health group practices next at 108. Read that as clinicians: 772 enumerations, not 772 owners.
02Which fields carry the volume in Beverly?
The 31 enumerated fields are led by physical, occupational, and speech therapy at 271, with behavioral and mental health group practices at 108 behind it. Those two counts double as the competition you are entering and the bench you would hire from.
03What does SBA lending look like around Beverly?
$5,840,900 went to healthcare borrowers in Essex County across 23 approvals, $253,952 on average. Deals near Beverly get sized against that record before anything else.
04What does a $103,739 median income mean for case acceptance?
Median household income in Beverly runs $103,739. 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.
05What does Essex County's shortage designation change?
Essex County holds a HRSA designation covering primary care, dental, mental health. A pro forma for Beverly can cite it as the reason a vacancy is fillable, which is usually the weakest line in a ramp schedule.
06How does the hospital in Beverly affect a practice file?
It makes the staffing and referral lines checkable. 4 Medicare-certified providers hold Beverly addresses, and the hospital sets the wage a clinical hire is bid against in a 178.6 per 10,000 market.
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.