Healthcare practice financing in New Hampshire

Sources sit in the third column. Nothing here is legal advice; healthcare counsel in New Hampshire decides how it lands on a specific structure. Verified

Source: SBA 7(a) and 504 approval files, fiscal year 2025. Verified

Lending in New Hampshire concentrates in BEDFORD, $5.4 million over 6 approvals at $893,667 average, with the remaining cities thinner and slower to appraise. Verified

No row means no certification of that kind in New Hampshire. A not yet loaded cell names the dataset and stops there rather than estimating. Directional

Rockingham leads New Hampshire with 5 certified providers, ahead of Hillsborough at 5. Certified density is a proxy for payer depth, and payer depth is what a receivables line is sized against. Verified

Counted by employer rather than clinician, New Hampshire has 3,176 establishments in these fields. Compare the 44 approvals and the ratio lands at 1.4 per 100, which frames how unusual a guaranteed loan is locally. Verified

The census file puts Hillsborough at the top of New Hampshire with 1,019 establishments. A dense county gives a buyer choice and a lender comparables; a sparse one gives neither, and the timeline stretches. Verified

Wage data for New Hampshire opens with registered nurses at $99,700 across 15,390 positions. Hiring plans attached to a request get checked against figures like these, and a ramp built on below-market pay is where a projection usually breaks. Verified

New Hampshire carries 746 designations across primary care, mental health, dental, Grafton highest at 359. For an owner, that is a staffing lever attached to a location decision rather than a discount on capital. Verified

• Veterinary practices: 5 closings, $8.3 million approved, $1.7 million typical. That average is the reference point a New Hampshire credit committee starts from on a similar file.
• Residential care and treatment: 5 approvals, $3.5 million, $700,400 average. A New Hampshire request near $700,400 sits inside the band 5 approvals already established.
• Behavioral health and ABA: $1.7 million across 6 approvals, averaging $286,500. Above $286,500 the file needs collateral or trading history that most of those 6 New Hampshire borrowers did not have to show.
• Chiropractic offices: 5 New Hampshire approvals totaling $1.2 million, $245,280 each. With only 5 New Hampshire approvals behind $1.2 million, the underwriter reads documents rather than precedent.
• Med spa and personal care: 9 New Hampshire approvals totaling $1.0 million, $114,489 each. With only 9 New Hampshire approvals behind $1.0 million, the underwriter reads documents rather than precedent.
• Physician and specialty offices: average approval $223,050 over 4 closings worth $892,200. At $223,050 against $892,200 of state volume, that is an equipment or fit-out request more often than an acquisition.
• Medical staffing: 2 approvals, $800,000, $400,000 average. A New Hampshire request near $400,000 sits inside the band 2 approvals already established.
• Physical, occupational, and speech therapy: 3 New Hampshire approvals totaling $520,000, $173,333 each. With only 3 New Hampshire approvals behind $520,000, the underwriter reads documents rather than precedent.
• Other outpatient care centers: $86,200 average across 4 New Hampshire approvals worth $344,800, so a request in that range reads as routine rather than exceptional.

• The New Hampshire record leans toward veterinary practices, which took $8.3 million across 5 approvals. Anything meaningfully larger than that average is underwritten as an outlier in New Hampshire, with the diligence that implies.
• Behind the leader, New Hampshire shows 5 approvals in residential care and treatment and 6 in behavioral health and aba. A funder with local paper in a field underwrites it on precedent; without precedent it underwrites on documents.
• On the certified side, New Hampshire carries 238 medical equipment suppliers. Certified capacity is the difference between buying revenue and building it, and lenders price those two paths differently.
• Real estate shows up as 6 504 approvals in New Hampshire. An owner planning the same move in New Hampshire can point at closed local paper rather than a hypothetical.

• 44 SBA approvals to New Hampshire healthcare borrowers in FY2025¹
• $18.4 million approved, averaging $418,798 per loan¹
• 335 CMS-certified providers across 5 categories²

• Healthcare AR line and payroll funding
• Partner buy-in, buy-out, and refinance
• Commercial real estate, owner-occupied
• Expansion, relocation, and build-out
• Medical receivables factoring
• SBA 7(a) and 504
• Working capital term loan

• New Hampshire Board of Medicine, licensure and ownership questions for physicians
• New Hampshire Board of Dental Examiners, licensure and ownership questions for dentists
• New Hampshire has no verified state repayment scheme, state lending program, or financing disclosure regulator on file here

• All states covered
• Every financing program
• North Carolina healthcare practice financing, where the same fields price differently
• Pennsylvania healthcare practice financing, the nearest comparable record to this one
• Tennessee healthcare practice financing, where the same fields price differently
• Medical weight loss and GLP-1 clinics, with the capital events that field actually runs
• Audiology and hearing centers, with the capital events that field actually runs
• Urgent care, and where the collateral usually comes from
• DME and HME suppliers, and where the collateral usually comes from
• SUD treatment and residential, and where the collateral usually comes from
• Independent pharmacy, including what collections history is asked for

1. 1SBA 7(a) and 504 approvals, FY2025
2. 2CMS provider certification files
3. 3NPPES provider registry
4. 4County Business Patterns 2022
5. 5BLS Occupational Employment and Wage Statistics, OEWS 2025
6. 6HRSA health professional shortage area file
7. 7New Hampshire corporate practice rules
8. 8New Hampshire Board of Medicine
9. 9New Hampshire Board of Dental Examiners