Massachusetts micro-market
Healthcare practice financing in Lawrence, Massachusetts
Direct answer
Essex County carries 23 SBA healthcare approvals worth $5,840,900, and inside Lawrence the census shows 891 enumerated clinicians against 89,332 residents, 99.7 per 10,000, 32 percent of them in behavioral and mental health group practices. Manchester-Nashua, NH lies 24 miles away.
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- Population: 89,332 residents (50K-100K band)1
- Healthcare providers registered here: 891 across 26 fields2
- Median household income: $57,9033
- Largest provider field: Behavioral and mental health group practices: 286 registered providers2
- Medicare-certified providers in town: 10 across 2 categories4
- Nearest metro: Manchester-Nashua, NH, 24 miles1
What NPPES records at Lawrence addresses
99.7 providers per 10,000 residents is what 891 enumerations across 26 fields works out to in a town of 89,332
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| Behavioral and mental health group practices | 286 | 32.0 | NPPES [2] |
| Primary care and family medicine | 197 | 22.1 | NPPES [2] |
| Home health | 68 | 7.6 | NPPES [2] |
| Physical, occupational, and speech therapy | 64 | 7.2 | NPPES [2] |
| General dentistry | 58 | 6.5 | NPPES [2] |
| Specialty physician groups | 44 | 4.9 | NPPES [2] |
| Optometry and ophthalmology | 35 | 3.9 | NPPES [2] |
| ABA and autism therapy | 31 | 3.5 | NPPES [2] |
| Dental specialties | 17 | 1.9 | NPPES [2] |
| Chiropractic | 16 | 1.8 | NPPES [2] |
| DME and HME suppliers | 10 | 1.1 | NPPES [2] |
| Med spa and aesthetics | 9 | 1.0 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 9 | 1.0 | NPPES [2] |
| Independent pharmacy | 8 | 0.9 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 8 | 0.9 | NPPES [2] |
| Non-medical home care | 7 | 0.8 | NPPES [2] |
| Telehealth and virtual clinics | 7 | 0.8 | NPPES [2] |
| Clinical and toxicology labs | 4 | 0.4 | NPPES [2] |
| ASCs and OBLs | 2 | 0.2 | NPPES [2] |
| SUD treatment and residential | 2 | 0.2 | NPPES [2] |
| NEMT and ambulance | 2 | 0.2 | NPPES [2] |
| Clinical research sites | 2 | 0.2 | NPPES [2] |
| Hormone, TRT, and men's health clinics | 2 | 0.2 | NPPES [2] |
| Urgent care | 1 | 0.1 | NPPES [2] |
| IDD services | 1 | 0.1 | NPPES [2] |
| Occupational health and drug testing | 1 | 0.1 | NPPES [2] |
| Home health agencies | 9 | CMS [4] | |
| Medical equipment suppliers | 5 | CMS [4] | |
| Hospice providers | 1 | CMS [4] |
Several of the 286 behavioral and mental health group practices enumerations can belong to one practice, so the column counts clinicians rather than businesses or owners
The lending record behind Lawrence
23 healthcare approvals averaging $253,952 set the deal shape lenders in Essex County have already underwritten
| Measure | Published figure | What sits behind 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
Underwriting starts with 99.7 providers per 10,000 residents, because that ratio caps how fast a chair or a room fills. Because Essex County already carries $5,840,900 across 23 healthcare approvals, a request near that average moves faster than one well above it. A $57,903 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
- Business line of credit
- Startup and de novo
Built from what is enumerated here rather than from a national list, so a field with no presence in Lawrence does not appear. Availability is still a Massachusetts question.
Underwriting by field in Lawrence
behavioral and mental health group practices, primary care and family medicine, home health account for most of what is enumerated in Lawrence, so those are the files funders see from this town
| Field | What the file turns on | The capital event behind most requests |
|---|---|---|
| Behavioral and mental health group practices (286) | Clinician retention and productivity, Payer mix and Medicaid concentration, Re-authorization and session limit exposure | Working capital through the credentialing lag |
| Primary care and family medicine (197) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| Home health (68) | Medicare certification first, Payer mix second, Days in accounts receivable third | Payroll between visit and remittance |
Local counts come from NPPES. What a file turns on is drawn from how the field is generally reviewed, not from any decision about your practice.
Density beside the neighboring Massachusetts towns
Density is the number that moves an appraisal: 99.7 per 10,000 here
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Lawrence (current) | 89,332 | 891 | 99.7 | |
| Methuen | 54,272 | 348 | 64.1 | 3 |
| Haverhill | 68,291 | 454 | 66.5 | 7 |
| Amesbury | 17,617 | 309 | 175.4 | 15 |
| Peabody | 55,418 | 561 | 101.2 | 15 |
| Woburn | 43,895 | 804 | 183.2 | 15 |
| Newburyport | 19,163 | 218 | 113.8 | 16 |
How Lawrence sits against the nearest metro
Distance to Manchester-Nashua, NH is 24 miles. Appraisers borrow Manchester-Nashua, NH rents, and the 89,332 residents set the ceiling on collections. Households here carry $57,903 in median income, and that ceiling decides how much of a treatment plan gets started rather than deferred. Hospital coverage inside Lawrence means a call schedule can be evidenced rather than described.
More of Massachusetts
Questions from Lawrence
01How many providers practice in Lawrence, and in what?
891 enumerations sit at Lawrence addresses in the monthly NPPES file, working out to 99.7 for every 10,000 residents. 32 percent of them are behavioral and mental health group practices, and primary care and family medicine follows with 197. An enumeration is a clinician, so the 891 here cover fewer than 891 practices.
02Which fields carry the volume in Lawrence?
Volume concentrates in behavioral and mental health group practices, 286 of them, ahead of primary care and family medicine at 197, across 26 fields. A thin second field usually means a longer search for staff than a pro forma allows for.
03What 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.
04How does the hospital in Lawrence affect a practice file?
It makes the staffing and referral lines checkable. 10 Medicare-certified providers hold Lawrence addresses, and the hospital sets the wage a clinical hire is bid against in a 99.7 per 10,000 market.
05Is Lawrence underwritten as part of Manchester-Nashua, NH?
Manchester-Nashua, NH sits 24 miles away, close enough that appraisers reach into that market for rent and resale comparables while your patient draw stays local. The comparables read Manchester-Nashua, NH; the 89,332 residents set the ceiling a projection can defend.
06What does SBA lending look like around Lawrence?
The county file behind Lawrence 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.
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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