Massachusetts micro-market
Healthcare practice financing in Medford, Massachusetts
Direct answer
458 healthcare providers hold a Medford practice address, 76.5 per 10,000 of its 59,898 residents, 24 percent of them in physical, occupational, and speech therapy. Middlesex County recorded 28 SBA healthcare approvals worth $9,517,000, and Boston-Cambridge-Newton, MA-NH sits 8 miles out.
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- Population: 59,898 residents (50K-100K band)1
- Healthcare providers registered here: 458 across 26 fields2
- Median household income: $118,0893
- Largest provider field: Physical, occupational, and speech therapy: 109 registered providers2
- Medicare-certified providers in town: 6 across 3 categories4
- Nearest metro: Boston-Cambridge-Newton, MA-NH, 8 miles1
The clinical base a lender can verify here
The NPPES file puts 458 enumerated clinicians inside Medford, spread over 26 fields at 76.5 per 10,000 residents
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| Physical, occupational, and speech therapy | 109 | 18.2 | NPPES [2] |
| Specialty physician groups | 62 | 10.4 | NPPES [2] |
| General dentistry | 57 | 9.5 | NPPES [2] |
| Behavioral and mental health group practices | 49 | 8.2 | NPPES [2] |
| Optometry and ophthalmology | 25 | 4.2 | NPPES [2] |
| Dental specialties | 23 | 3.8 | NPPES [2] |
| Primary care and family medicine | 18 | 3.0 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 15 | 2.5 | NPPES [2] |
| Home health | 12 | 2.0 | NPPES [2] |
| DME and HME suppliers | 11 | 1.8 | NPPES [2] |
| Med spa and aesthetics | 11 | 1.8 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 11 | 1.8 | NPPES [2] |
| Chiropractic | 10 | 1.7 | NPPES [2] |
| ABA and autism therapy | 8 | 1.3 | NPPES [2] |
| Podiatry | 6 | 1.0 | NPPES [2] |
| Urgent care | 5 | 0.8 | NPPES [2] |
| Audiology and hearing centers | 5 | 0.8 | NPPES [2] |
| Non-medical home care | 5 | 0.8 | NPPES [2] |
| ASCs and OBLs | 3 | 0.5 | NPPES [2] |
| Clinical and toxicology labs | 3 | 0.5 | NPPES [2] |
| Dialysis and infusion centers | 3 | 0.5 | NPPES [2] |
| Independent pharmacy | 2 | 0.3 | NPPES [2] |
| Hormone, TRT, and men's health clinics | 2 | 0.3 | NPPES [2] |
| Dermatology | 1 | 0.2 | NPPES [2] |
| SUD treatment and residential | 1 | 0.2 | NPPES [2] |
| NEMT and ambulance | 1 | 0.2 | NPPES [2] |
| Medical equipment suppliers | 8 | CMS [4] | |
| Home health agencies | 3 | CMS [4] | |
| Dialysis facilities | 2 | CMS [4] | |
| Ambulatory surgical centers | 1 | CMS [4] |
Several of the 109 physical, occupational, and speech therapy enumerations can belong to one practice, so the column counts clinicians rather than businesses or owners
The lending record behind Medford
The published file shows 28 healthcare approvals in Middlesex County, $9,517,000 in total, and that history is what an appraiser and a credit committee reach for
| Measure | Published figure | What sits behind it |
|---|---|---|
| SBA healthcare approvals | 28 | One published fiscal year, healthcare borrowers only [5] |
| Approved dollars | $9,517,000 | Approved, not disbursed, and not net of withdrawals [5] |
| Average approval | $339,893 | A mean, so one large approval moves it [5] |
| Lending establishments in the county | 840 | Credit intermediation offices sited in the county [6] |
The consequence of these numbers
Density of 76.5 per 10,000 sets the patient draw a projection can claim without an argument. Because Middlesex County already carries $9,517,000 across 28 healthcare approvals, a request near that average moves faster than one well above it. A $118,089 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
- Startup and de novo
- Expansion, relocation, and build-out
- Equipment financing and leasing
- Working capital term loan
The order comes from Medford's own provider mix, which physical, occupational, and speech therapy dominates at 24 percent. What a partner can actually place in Massachusetts is a separate question.
Underwriting by field in Medford
Drawn from the fields that actually practice here: physical, occupational, and speech therapy, specialty physician groups, general dentistry
| Practice type | The pages that decide it | Typical capital event |
|---|---|---|
| Physical, occupational, and speech therapy (109) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Specialty physician groups (62) | Ancillary revenue contribution, Provider productivity, Payer contracts | Ancillary build-out |
| General dentistry (57) | Three years of collections history, Hygiene as a share of collections, Overhead ratio and owner add-backs | Acquisition of an established practice |
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.
Medford against nearby Massachusetts markets
Set Medford's 76.5 per 10,000 against the towns an appraiser would reach for next
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Medford (current) | 59,898 | 458 | 76.5 | |
| Somerville | 82,149 | 534 | 65.0 | 2 |
| Everett | 51,825 | 157 | 30.3 | 3 |
| Malden | 66,693 | 444 | 66.6 | 3 |
| Melrose | 29,938 | 196 | 65.5 | 3 |
| Chelsea | 40,245 | 428 | 106.3 | 4 |
| Watertown | 35,985 | 384 | 106.7 | 5 |
How Medford sits against the nearest metro
Distance to Boston-Cambridge-Newton, MA-NH is 8 miles. Appraisers borrow Boston-Cambridge-Newton, MA-NH rents, and the 59,898 residents set the ceiling on collections. At $118,089 median household income, the elective and cash-pay share of a projection is the line that gets tested first. With no hospital in town, a projection has to name where referrals and coverage come from. Campus terms, not calendar quarters, set the busy months in Medford.
Other Massachusetts markets
Questions from Medford
01How many providers practice in Medford, and in what?
458 enumerations sit at Medford addresses in the monthly NPPES file, working out to 76.5 for every 10,000 residents. 24 percent of them are physical, occupational, and speech therapy, and specialty physician groups follows with 62. An enumeration is a clinician, so the 458 here cover fewer than 458 practices.
02What does Middlesex County's shortage designation change?
Designated for primary care, dental, mental health, Middlesex 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.
03Which fields carry the volume in Medford?
Volume concentrates in physical, occupational, and speech therapy, 109 of them, ahead of specialty physician groups at 62, across 26 fields. A thin second field usually means a longer search for staff than a pro forma allows for.
04What does SBA lending look like around Medford?
The county file behind Medford holds 28 healthcare approvals totaling $9,517,000, an average of $339,893. Those are the loan sizes lenders in Middlesex County have already carried.
05Is Medford underwritten as part of Boston-Cambridge-Newton, MA-NH?
Boston-Cambridge-Newton, MA-NH sits 8 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 59,898 residents set the ceiling a projection can defend.
06Is there local lending capacity in Middlesex County?
County Business Patterns records 840 credit intermediation establishments in Middlesex County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Medford rents and resale before or by somebody working from a screen.
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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