Massachusetts micro-market
Healthcare practice financing in Chelsea, Massachusetts
Direct answer
A Chelsea file is read against 428 local clinicians, 106.3 for every 10,000 of its 40,245 residents, 51 percent of them in behavioral and mental health group practices, plus the 13 SBA healthcare approvals worth $1,975,000 already recorded in Suffolk County, 4 miles from Boston-Cambridge-Newton, MA-NH.
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: 40,245 residents (25K-50K band)1
- Healthcare providers registered here: 428 across 20 fields2
- Median household income: $72,2203
- Largest provider field: Behavioral and mental health group practices: 220 registered providers2
- Medicare-certified providers in town: 4 across 3 categories4
- Nearest metro: Boston-Cambridge-Newton, MA-NH, 4 miles1
Who is enumerated in Chelsea
428 providers across 20 fields, 106.3 per 10,000 residents, counted at Chelsea addresses in the NPPES monthly file
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Behavioral and mental health group practices | 220 | 54.7 | NPPES [2] |
| Physical, occupational, and speech therapy | 44 | 10.9 | NPPES [2] |
| Specialty physician groups | 41 | 10.2 | NPPES [2] |
| General dentistry | 34 | 8.4 | NPPES [2] |
| Dental specialties | 13 | 3.2 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 12 | 3.0 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 10 | 2.5 | NPPES [2] |
| Home health | 7 | 1.7 | NPPES [2] |
| Non-medical home care | 7 | 1.7 | NPPES [2] |
| ABA and autism therapy | 6 | 1.5 | NPPES [2] |
| Chiropractic | 5 | 1.2 | NPPES [2] |
| Primary care and family medicine | 5 | 1.2 | NPPES [2] |
| Med spa and aesthetics | 5 | 1.2 | NPPES [2] |
| Optometry and ophthalmology | 5 | 1.2 | NPPES [2] |
| DME and HME suppliers | 4 | 1.0 | NPPES [2] |
| Independent pharmacy | 4 | 1.0 | NPPES [2] |
| Urgent care | 2 | 0.5 | NPPES [2] |
| Hospice and palliative | 2 | 0.5 | NPPES [2] |
| Dialysis and infusion centers | 1 | 0.2 | NPPES [2] |
| Telehealth and virtual clinics | 1 | 0.2 | NPPES [2] |
| Medical equipment suppliers | 5 | CMS [4] | |
| Home health agencies | 2 | CMS [4] | |
| Hospice providers | 1 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] |
Behavioral and mental health group practices carries 220 of the 428 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 Suffolk County
13 healthcare approvals averaging $151,923 set the deal shape lenders in Suffolk County have already underwritten
| What it measures | Value | How to read it |
|---|---|---|
| Healthcare files approved | 13 | Counted for the fiscal year the SBA publishes [5] |
| Dollars behind them | $1,975,000 | Everything approved to healthcare borrowers, added up [5] |
| Typical approval size | $151,923 | The dollar column over the approval column [5] |
| Credit offices operating locally | 504 | Places that write credit locally, NAICS 522 [6] |
The consequence of these numbers
Density of 106.3 per 10,000 sets the patient draw a projection can claim without an argument. Because Suffolk County already carries $1,975,000 across 13 healthcare approvals, a request near that average moves faster than one well above it. With $72,220 as the median household income, the payer mix in a projection has to match what Chelsea households actually spend.
Where a file from this town usually lands
- Working capital term loan
- Practice acquisition
- Business line of credit
- Startup and de novo
- Expansion, relocation, and build-out
Built from what is enumerated here rather than from a national list, so a field with no presence in Chelsea does not appear. Availability is still a Massachusetts question.
The first pages of a Chelsea file
What a funder opens first depends on the field. In Chelsea that means behavioral and mental health group practices, physical, occupational, and speech therapy, specialty physician groups.
| Practice type | The pages that decide it | Typical capital event |
|---|---|---|
| Behavioral and mental health group practices (220) | Clinician retention and productivity, Payer mix and Medicaid concentration, Re-authorization and session limit exposure | Working capital through the credentialing lag |
| Physical, occupational, and speech therapy (44) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Specialty physician groups (41) | Ancillary revenue contribution, Provider productivity, Payer contracts | Ancillary build-out |
Column one counts Chelsea clinicians from the federal file. Columns two and three describe how the field is usually underwritten, and a partner can read a Chelsea file differently.
How Chelsea prices against its neighbors
Set Chelsea's 106.3 per 10,000 against the towns an appraiser would reach for next
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Chelsea (current) | 40,245 | 428 | 106.3 | |
| Everett | 51,825 | 157 | 30.3 | 1 |
| Malden | 66,693 | 444 | 66.6 | 3 |
| Revere | 60,702 | 195 | 32.1 | 3 |
| Winthrop | 18,739 | 72 | 38.4 | 3 |
| Medford | 59,898 | 458 | 76.5 | 4 |
| Melrose | 29,938 | 196 | 65.5 | 4 |
Distance, income, and the wage floor around Chelsea
Boston-Cambridge-Newton, MA-NH lies 4 miles from Chelsea, close enough that appraisers price the lease against Boston-Cambridge-Newton, MA-NH rents while 40,245 residents set the revenue ceiling. Median household income runs $72,220, which is the number a funder converts into case acceptance on anything elective or cash-pay. With no hospital in town, a projection has to name where referrals and coverage come from.
More of Massachusetts
What owners in Chelsea ask
01How many providers practice in Chelsea, and in what?
Across 20 fields, Chelsea carries 428 enumerated clinicians, 106.3 per 10,000 of the 40,245 people living here. The concentration is in behavioral and mental health group practices, 220 of the total, then physical, occupational, and speech therapy at 44. Count practices from that only with care.
02What does Suffolk County's shortage designation change?
The primary care, dental, mental health designation HRSA carries on Suffolk County is a recruiting instrument: it puts repayment incentives in front of candidates, which is how a hiring plan for 40,245 residents gets past the question of who would take the job.
03Is Chelsea underwritten as part of Boston-Cambridge-Newton, MA-NH?
Boston-Cambridge-Newton, MA-NH sits 4 miles away, close enough that appraisers reach into that market for rent and resale comparables while your patient draw stays local. The comparables read Boston-Cambridge-Newton, MA-NH; the 40,245 residents set the ceiling a projection can defend.
04What does SBA lending look like around Chelsea?
The county file behind Chelsea holds 13 healthcare approvals totaling $1,975,000, an average of $151,923. Those are the loan sizes lenders in Suffolk County have already carried.
05Is there local lending capacity in Suffolk County?
County Business Patterns records 504 credit intermediation establishments in Suffolk County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Chelsea rents and resale before or by somebody working from a screen.
06Which fields carry the volume in Chelsea?
Volume concentrates in behavioral and mental health group practices, 220 of them, ahead of physical, occupational, and speech therapy at 44, across 20 fields. A thin second field usually means a longer search for staff than a pro forma allows for.
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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