Massachusetts micro-market
Healthcare practice financing in Bridgewater, Massachusetts
Direct answer
118 healthcare providers hold a Bridgewater practice address, 40.5 per 10,000 of its 29,167 residents, 25 percent of them in physical, occupational, and speech therapy. Plymouth County recorded 5 SBA healthcare approvals worth $3,426,500, and Providence-Warwick, RI-MA sits 25 miles out.
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- Population: 29,167 residents (25K-50K band)1
- Healthcare providers registered here: 118 across 19 fields2
- Median household income: $112,4823
- Largest provider field: Physical, occupational, and speech therapy: 29 registered providers2
- Medicare-certified providers in town: 1 across 1 categories4
- Nearest metro: Providence-Warwick, RI-MA, 25 miles1
Bridgewater clinicians, by field
Counted at the town's own addresses: 118 providers, 19 fields, 40.5 clinicians per 10,000 of the 29,167 residents here
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| Physical, occupational, and speech therapy | 29 | 9.9 | NPPES [2] |
| ABA and autism therapy | 16 | 5.5 | NPPES [2] |
| Behavioral and mental health group practices | 14 | 4.8 | NPPES [2] |
| General dentistry | 10 | 3.4 | NPPES [2] |
| Dental specialties | 8 | 2.7 | NPPES [2] |
| Med spa and aesthetics | 7 | 2.4 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 7 | 2.4 | NPPES [2] |
| Specialty physician groups | 6 | 2.1 | NPPES [2] |
| DME and HME suppliers | 5 | 1.7 | NPPES [2] |
| Optometry and ophthalmology | 5 | 1.7 | NPPES [2] |
| Primary care and family medicine | 2 | 0.7 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 2 | 0.7 | NPPES [2] |
| Home health | 1 | 0.3 | NPPES [2] |
| Urgent care | 1 | 0.3 | NPPES [2] |
| Chiropractic | 1 | 0.3 | NPPES [2] |
| NEMT and ambulance | 1 | 0.3 | NPPES [2] |
| Audiology and hearing centers | 1 | 0.3 | NPPES [2] |
| Non-medical home care | 1 | 0.3 | NPPES [2] |
| Hospice and palliative | 1 | 0.3 | NPPES [2] |
| Medical equipment suppliers | 2 | CMS [4] | |
| Hospice providers | 1 | CMS [4] |
A single Bridgewater practice can hold more than one of these numbers. 25 percent sit in physical, occupational, and speech therapy, counted as clinicians rather than as owners.
What Plymouth County credit files already show
5 healthcare approvals sit in the county file, so an appraiser here works from a short comparable set
| Line | Amount | Reading and source |
|---|---|---|
| Healthcare files approved | 5 | Counted for the fiscal year the SBA publishes [5] |
| Dollars behind them | $3,426,500 | Everything approved to healthcare borrowers, added up [5] |
| Typical approval size | $685,300 | The dollar column over the approval column [5] |
| Credit offices operating locally | 268 | Places that write credit locally, NAICS 522 [6] |
Reading Bridgewater the way a credit committee does
Density of 40.5 per 10,000 sets the patient draw a projection can claim without an argument. A short county record of 5 approvals usually means more documentation and a lower advance against the same collateral. With $112,482 as the median household income, the payer mix in a projection has to match what Bridgewater households actually spend.
Programs the Bridgewater mix reaches for
- Practice acquisition
- Startup and de novo
- Working capital term loan
- Equipment financing and leasing
- Expansion, relocation, and build-out
The order comes from Bridgewater's own provider mix, which physical, occupational, and speech therapy dominates at 25 percent. What a partner can actually place in Massachusetts is a separate question.
The first pages of a Bridgewater file
physical, occupational, and speech therapy, aba and autism therapy, behavioral and mental health group practices account for most of what is enumerated in Bridgewater, so those are the files funders see from this town
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| Physical, occupational, and speech therapy (29) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| ABA and autism therapy (16) | Authorized hours against delivered hours, Payer mix stability, Billing compliance history | Working capital against authorization and billing lag |
| Behavioral and mental health group practices (14) | Clinician retention and productivity, Payer mix and Medicaid concentration, Re-authorization and session limit exposure | Working capital through the credentialing lag |
Column one counts Bridgewater clinicians from the federal file. Columns two and three describe how the field is usually underwritten, and a partner can read a Bridgewater file differently.
How Bridgewater prices against its neighbors
The neighboring markets below are the ones a valuation borrows from when Bridgewater has too few sales of its own
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Bridgewater (current) | 29,167 | 118 | 40.5 | |
| Taunton | 61,936 | 432 | 69.7 | 8 |
| Randolph | 35,114 | 311 | 88.6 | 15 |
| Attleboro | 47,085 | 467 | 99.2 | 16 |
| Braintree | 39,134 | 497 | 127.0 | 16 |
| Weymouth | 60,159 | 425 | 70.6 | 16 |
| Fall River | 94,689 | 1,005 | 106.1 | 18 |
Distance, income, and the wage floor around Bridgewater
Providence-Warwick, RI-MA lies 25 miles from Bridgewater, close enough that appraisers price the lease against Providence-Warwick, RI-MA rents while 29,167 residents set the revenue ceiling. Households here carry $112,482 in median income, and that ceiling decides how much of a treatment plan gets started rather than deferred. Referral flow comes from outside Bridgewater, which a projection needs to state plainly. Higher education here explains why summer looks unlike the rest of the year.
More of Massachusetts
Questions from Bridgewater
01How many providers practice in Bridgewater, and in what?
Across 19 fields, Bridgewater carries 118 enumerated clinicians, 40.5 per 10,000 of the 29,167 people living here. The concentration is in physical, occupational, and speech therapy, 29 of the total, then aba and autism therapy at 16. Count practices from that only with care.
02What does Plymouth County's shortage designation change?
Designated for primary care, dental, mental health, Plymouth 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 Plymouth County show so little SBA activity?
Plymouth 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. 268 lending establishments operate locally.
04Is Bridgewater underwritten as part of Providence-Warwick, RI-MA?
Providence-Warwick, RI-MA sits 25 miles away, close enough that appraisers reach into that market for rent and resale comparables while your patient draw stays local. The comparables read Providence-Warwick, RI-MA; the 29,167 residents set the ceiling a projection can defend.
05Is there local lending capacity in Plymouth County?
County Business Patterns records 268 credit intermediation establishments in Plymouth County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Bridgewater rents and resale before or by somebody working from a screen.
06What does a $112,482 median income mean for case acceptance?
Median household income in Bridgewater runs $112,482. 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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