New Hampshire micro-market
Healthcare practice financing in Concord, New Hampshire
Direct answer
44,674 residents, 956 enumerated clinicians, 214.0 per 10,000, 27 percent of them in physical, occupational, and speech therapy: that is the Concord market a funder prices. Merrimack County adds 1 healthcare approvals worth $115,000 and 18 miles of distance to Manchester-Nashua, 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 New Hampshire, and how many partners see it, is set out on the New Hampshire page.
- Population: 44,674 residents (25K-50K band)1
- Healthcare providers registered here: 956 across 33 fields2
- Median household income: $83,7013
- Largest provider field: Physical, occupational, and speech therapy: 256 registered providers2
- Medicare-certified providers in town: 7 across 4 categories4
- Nearest metro: Manchester-Nashua, NH, 18 miles1
Fields practicing inside Concord
956 providers across 33 fields, 214.0 per 10,000 residents, counted at Concord addresses in the NPPES monthly file
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| Physical, occupational, and speech therapy | 256 | 57.3 | NPPES [2] |
| Primary care and family medicine | 151 | 33.8 | NPPES [2] |
| Specialty physician groups | 73 | 16.3 | NPPES [2] |
| General dentistry | 67 | 15.0 | NPPES [2] |
| Optometry and ophthalmology | 55 | 12.3 | NPPES [2] |
| Behavioral and mental health group practices | 45 | 10.1 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 40 | 9.0 | NPPES [2] |
| ABA and autism therapy | 37 | 8.3 | NPPES [2] |
| Chiropractic | 33 | 7.4 | NPPES [2] |
| Dental specialties | 33 | 7.4 | NPPES [2] |
| DME and HME suppliers | 22 | 4.9 | NPPES [2] |
| Audiology and hearing centers | 20 | 4.5 | NPPES [2] |
| Independent pharmacy | 18 | 4.0 | NPPES [2] |
| Med spa and aesthetics | 18 | 4.0 | NPPES [2] |
| Non-medical home care | 16 | 3.6 | NPPES [2] |
| Home health | 14 | 3.1 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 11 | 2.5 | NPPES [2] |
| Dermatology | 9 | 2.0 | NPPES [2] |
| SUD treatment and residential | 9 | 2.0 | NPPES [2] |
| Urgent care | 4 | 0.9 | NPPES [2] |
| Hospice and palliative | 4 | 0.9 | NPPES [2] |
| Podiatry | 3 | 0.7 | NPPES [2] |
| ASCs and OBLs | 3 | 0.7 | NPPES [2] |
| Hormone, TRT, and men's health clinics | 3 | 0.7 | NPPES [2] |
| Clinical and toxicology labs | 3 | 0.7 | NPPES [2] |
| Occupational health and drug testing | 2 | 0.4 | NPPES [2] |
| Imaging centers | 1 | 0.2 | NPPES [2] |
| Mobile diagnostics | 1 | 0.2 | NPPES [2] |
| NEMT and ambulance | 1 | 0.2 | NPPES [2] |
| IV hydration and infusion | 1 | 0.2 | NPPES [2] |
| Plastic and cosmetic surgery | 1 | 0.2 | NPPES [2] |
| Dialysis and infusion centers | 1 | 0.2 | NPPES [2] |
| Telehealth and virtual clinics | 1 | 0.2 | NPPES [2] |
| Medical equipment suppliers | 20 | CMS [4] | |
| Ambulatory surgical centers | 3 | CMS [4] | |
| Hospice providers | 2 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] | |
| Home health agencies | 1 | CMS [4] |
Physical, occupational, and speech therapy carries 256 of the 956 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
The lending record behind Concord
1 healthcare approvals sit in the county file, so an appraiser here works from a short comparable set
| What it measures | Value | How to read it |
|---|---|---|
| Approvals on record | 1 | Fiscal year published in the SBA file [5] |
| Total approved capital | $115,000 | Sum of approvals to healthcare borrowers [5] |
| Mean deal size | $115,000 | Dollars divided by approvals [5] |
| Lenders sited in the county | 79 | Credit intermediation establishments, NAICS 522 [6] |
Reading Concord the way a credit committee does
The ratio that matters up front is 214.0 per 10,000, which decides whether a ramp schedule reads as conservative. With 1 approvals on record in Merrimack County, expect a longer appraisal and a wider collateral discount. Household income of $83,701 in Concord is the number a lender uses to sanity check the self-pay share of a revenue projection.
Where a file from this town usually lands
- Practice acquisition
- Startup and de novo
- Expansion, relocation, and build-out
- Working capital term loan
- Equipment financing and leasing
Ranked from the 33 fields that actually practice in Concord, weighted toward physical, occupational, and speech therapy. Availability still depends on New Hampshire and on the funding partner.
Underwriting by field in Concord
physical, occupational, and speech therapy, primary care and family medicine, specialty physician groups account for most of what is enumerated in Concord, so those are the files funders see from this town
| Field | What the file turns on | The capital event behind most requests |
|---|---|---|
| Physical, occupational, and speech therapy (256) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Primary care and family medicine (151) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| Specialty physician groups (73) | Ancillary revenue contribution, Provider productivity, Payer contracts | Ancillary build-out |
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.
Concord against nearby New Hampshire markets
The neighboring markets below are the ones a valuation borrows from when Concord has too few sales of its own
| Comparable | People | Enumerations | Per 10,000 residents | Miles |
|---|---|---|---|---|
| Concord (current) | 44,674 | 956 | 214.0 | |
| Laconia | 17,310 | 269 | 155.4 | 24 |
| Rochester | 33,598 | 195 | 58.0 | 30 |
| Dover | 33,909 | 485 | 143.0 | 34 |
| Nashua | 91,851 | 1,246 | 135.7 | 34 |
| Somersworth | 12,218 | 142 | 116.2 | 34 |
| Claremont | 13,105 | 136 | 103.8 | 40 |
How Concord sits against the nearest metro
18 miles separate Concord from Manchester-Nashua, NH. Lease pricing follows Manchester-Nashua, NH, while revenue stays capped by the 44,674 residents here. Median household income runs $83,701, which is the number a funder converts into case acceptance on anything elective or cash-pay. The hospital fixes two inputs a lender would otherwise estimate in a 44,674 resident town: where referrals originate, and what staff cost. A degree-granting institution here moves volume on the academic calendar. Concord is the Merrimack County seat, so county employment steadies the payer mix.
Other New Hampshire markets
Concord owners, answered
01How many providers practice in Concord, and in what?
NPPES lists 956 providers at a Concord practice address, 214.0 per 10,000 residents across 33 tracked fields. Physical, occupational, and speech therapy accounts for 256 of them, 27 percent of the total, with primary care and family medicine next at 151. Read that as clinicians: 956 enumerations, not 956 owners.
02Why does Merrimack County show so little SBA activity?
Only 1 healthcare approvals appear for Merrimack County in the published 7(a) and 504 file. Thin volume in Merrimack County is a transaction count, not a verdict on borrowers here. The county still holds 79 credit intermediation establishments.
03Which fields carry the volume in Concord?
Volume concentrates in physical, occupational, and speech therapy, 256 of them, ahead of primary care and family medicine at 151, across 33 fields. A thin second field usually means a longer search for staff than a pro forma allows for.
04Is Concord underwritten as part of Manchester-Nashua, NH?
Partly. Manchester-Nashua, NH is 18 miles out, so rent and equipment comparables travel in from there while patients still come from the 44,674 residents around Concord. Cost side metro, revenue side local.
05What does Merrimack County's shortage designation change?
Designated for primary care, dental, mental health, Merrimack 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 does the hospital in Concord affect a practice file?
Referral flow, coverage, and the local pay scale all trace back to it. The town carries 7 Medicare-certified providers in total. A Concord projection that names the call arrangement reads better than one that assumes it.
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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