Massachusetts micro-market
Healthcare practice financing in Somerville, Massachusetts
Direct answer
82,149 residents, 534 enumerated clinicians, 65.0 per 10,000, 31 percent of them in physical, occupational, and speech therapy: that is the Somerville market a funder prices. Middlesex County adds 28 healthcare approvals worth $9,517,000 and 6 miles of distance to 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: 82,149 residents (50K-100K band)1
- Healthcare providers registered here: 534 across 26 fields2
- Median household income: $127,0563
- Largest provider field: Physical, occupational, and speech therapy: 165 registered providers2
- Medicare-certified providers in town: 2 across 2 categories4
- Nearest metro: Boston-Cambridge-Newton, MA-NH, 6 miles1
What NPPES records at Somerville addresses
The NPPES file puts 534 enumerated clinicians inside Somerville, spread over 26 fields at 65.0 per 10,000 residents
| Practice type | Count | Rate per 10,000 residents | Published by |
|---|---|---|---|
| Physical, occupational, and speech therapy | 165 | 20.1 | NPPES [2] |
| Behavioral and mental health group practices | 87 | 10.6 | NPPES [2] |
| General dentistry | 52 | 6.3 | NPPES [2] |
| Specialty physician groups | 41 | 5.0 | NPPES [2] |
| Primary care and family medicine | 35 | 4.3 | NPPES [2] |
| Optometry and ophthalmology | 24 | 2.9 | NPPES [2] |
| Chiropractic | 23 | 2.8 | NPPES [2] |
| Dental specialties | 21 | 2.6 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 18 | 2.2 | NPPES [2] |
| DME and HME suppliers | 11 | 1.3 | NPPES [2] |
| ABA and autism therapy | 11 | 1.3 | NPPES [2] |
| Home health | 10 | 1.2 | NPPES [2] |
| Med spa and aesthetics | 9 | 1.1 | NPPES [2] |
| Podiatry | 6 | 0.7 | NPPES [2] |
| Dermatology | 4 | 0.5 | NPPES [2] |
| Non-medical home care | 3 | 0.4 | NPPES [2] |
| Telehealth and virtual clinics | 3 | 0.4 | NPPES [2] |
| Independent pharmacy | 2 | 0.2 | NPPES [2] |
| Clinical research sites | 2 | 0.2 | NPPES [2] |
| Urgent care | 1 | 0.1 | NPPES [2] |
| ASCs and OBLs | 1 | 0.1 | NPPES [2] |
| NEMT and ambulance | 1 | 0.1 | NPPES [2] |
| Audiology and hearing centers | 1 | 0.1 | NPPES [2] |
| Hormone, TRT, and men's health clinics | 1 | 0.1 | NPPES [2] |
| Dialysis and infusion centers | 1 | 0.1 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 1 | 0.1 | NPPES [2] |
| Medical equipment suppliers | 9 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] | |
| Home health agencies | 1 | CMS [4] |
Physical, occupational, and speech therapy carries 165 of the 534 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
Loan activity in Middlesex County
Lenders in Middlesex County have already closed 28 healthcare approvals, averaging $339,893, which is the size a new file gets read beside
| What it measures | Value | How to read it |
|---|---|---|
| Approvals on record | 28 | Fiscal year published in the SBA file [5] |
| Total approved capital | $9,517,000 | Sum of approvals to healthcare borrowers [5] |
| Mean deal size | $339,893 | Dollars divided by approvals [5] |
| Lenders sited in the county | 840 | Credit intermediation establishments, NAICS 522 [6] |
Reading Somerville the way a credit committee does
Density of 65.0 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 $127,056 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
- Startup and de novo
- Working capital term loan
- Expansion, relocation, and build-out
- Equipment financing and leasing
The order comes from Somerville's own provider mix, which physical, occupational, and speech therapy dominates at 31 percent. What a partner can actually place in Massachusetts is a separate question.
Underwriting by field in Somerville
Drawn from the fields that actually practice here: physical, occupational, and speech therapy, behavioral and mental health group practices, general dentistry
| Practice type | The pages that decide it | Typical capital event |
|---|---|---|
| Physical, occupational, and speech therapy (165) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Behavioral and mental health group practices (87) | Clinician retention and productivity, Payer mix and Medicaid concentration, Re-authorization and session limit exposure | Working capital through the credentialing lag |
| General dentistry (52) | Three years of collections history, Hygiene as a share of collections, Overhead ratio and owner add-backs | Acquisition of an established practice |
The first column is Somerville's own NPPES count. The rest is how the field is generally underwritten, whether the address is Somerville or anywhere else.
Somerville against nearby Massachusetts markets
Density is the number that moves an appraisal: 65.0 per 10,000 here
| Comparable | People | Enumerations | Per 10,000 residents | Miles |
|---|---|---|---|---|
| Somerville (current) | 82,149 | 534 | 65.0 | |
| Medford | 59,898 | 458 | 76.5 | 2 |
| Everett | 51,825 | 157 | 30.3 | 3 |
| Malden | 66,693 | 444 | 66.6 | 3 |
| Chelsea | 40,245 | 428 | 106.3 | 4 |
| Watertown | 35,985 | 384 | 106.7 | 4 |
| Melrose | 29,938 | 196 | 65.5 | 5 |
What the geography does to a Somerville projection
6 miles separate Somerville from Boston-Cambridge-Newton, MA-NH. Lease pricing follows Boston-Cambridge-Newton, MA-NH, while revenue stays capped by the 82,149 residents here. At $127,056 median household income, the elective and cash-pay share of a projection is the line that gets tested first. No hospital operates here, so the referral sources and the call arrangement have to be named rather than assumed. A degree-granting institution here moves volume on the academic calendar.
Other Massachusetts markets
Questions from Somerville
01How many providers practice in Somerville, and in what?
534 enumerations sit at Somerville addresses in the monthly NPPES file, working out to 65.0 for every 10,000 residents. 31 percent of them are physical, occupational, and speech therapy, and behavioral and mental health group practices follows with 87. An enumeration is a clinician, so the 534 here cover fewer than 534 practices.
02Which fields carry the volume in Somerville?
Volume concentrates in physical, occupational, and speech therapy, 165 of them, ahead of behavioral and mental health group practices at 87, across 26 fields. A thin second field usually means a longer search for staff than a pro forma allows for.
03What does SBA lending look like around Somerville?
The county file behind Somerville 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.
04What does a $127,056 median income mean for case acceptance?
Median household income in Somerville runs $127,056. 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 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.
06How many Medicare-certified providers are based in Somerville?
2 Medicare-certified providers hold an address in the town across the Care Compare categories. Certified volume this close matters on a working-capital file, because it shows the payer-mix and the reimbursement lag a funder will price into a 82,149 resident 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.