New Hampshire micro-market
Healthcare practice financing in Keene, New Hampshire
Direct answer
A Keene file is read against 414 local clinicians, 179.7 for every 10,000 of its 23,036 residents, 21 percent of them in physical, occupational, and speech therapy, plus the 0 SBA healthcare approvals worth $0 already recorded in Cheshire County, 42 miles from Amherst Town-Northampton, MA.
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: 23,036 residents (10K-25K band)1
- Healthcare providers registered here: 414 across 27 fields2
- Median household income: $78,1833
- Largest provider field: Physical, occupational, and speech therapy: 85 registered providers2
- Medicare-certified providers in town: 3 across 3 categories4
- Nearest metro: Amherst Town-Northampton, MA, 42 miles1
Fields practicing inside Keene
Counted at the town's own addresses: 414 providers, 27 fields, 179.7 clinicians per 10,000 of the 23,036 residents here
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Physical, occupational, and speech therapy | 85 | 36.9 | NPPES [2] |
| Primary care and family medicine | 49 | 21.3 | NPPES [2] |
| Behavioral and mental health group practices | 46 | 20.0 | NPPES [2] |
| Specialty physician groups | 45 | 19.5 | NPPES [2] |
| General dentistry | 29 | 12.6 | NPPES [2] |
| Dental specialties | 27 | 11.7 | NPPES [2] |
| Optometry and ophthalmology | 21 | 9.1 | NPPES [2] |
| Chiropractic | 15 | 6.5 | NPPES [2] |
| Independent pharmacy | 13 | 5.6 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 13 | 5.6 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 12 | 5.2 | NPPES [2] |
| DME and HME suppliers | 11 | 4.8 | NPPES [2] |
| Med spa and aesthetics | 11 | 4.8 | NPPES [2] |
| ABA and autism therapy | 7 | 3.0 | NPPES [2] |
| Dermatology | 5 | 2.2 | NPPES [2] |
| SUD treatment and residential | 5 | 2.2 | NPPES [2] |
| Home health | 3 | 1.3 | NPPES [2] |
| Urgent care | 3 | 1.3 | NPPES [2] |
| Podiatry | 2 | 0.9 | NPPES [2] |
| NEMT and ambulance | 2 | 0.9 | NPPES [2] |
| Audiology and hearing centers | 2 | 0.9 | NPPES [2] |
| Hospice and palliative | 2 | 0.9 | NPPES [2] |
| Hormone, TRT, and men's health clinics | 2 | 0.9 | NPPES [2] |
| Clinical research sites | 1 | 0.4 | NPPES [2] |
| IV hydration and infusion | 1 | 0.4 | NPPES [2] |
| Dialysis and infusion centers | 1 | 0.4 | NPPES [2] |
| Telehealth and virtual clinics | 1 | 0.4 | NPPES [2] |
| Medical equipment suppliers | 9 | CMS [4] | |
| Hospice providers | 1 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] | |
| Home health agencies | 1 | CMS [4] |
Physical, occupational, and speech therapy carries 85 of the 414 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
What Cheshire County credit files already show
The county file holds 0 healthcare approvals, which is a thin comparable set for anyone pricing collateral
| What it measures | Value | How to read it |
|---|---|---|
| Approvals on record | 0 | Fiscal year published in the SBA file [5] |
| Total approved capital | $0 | Sum of approvals to healthcare borrowers [5] |
| Mean deal size | No approvals recorded | Dollars divided by approvals [5] |
| Lenders sited in the county | 35 | Credit intermediation establishments, NAICS 522 [6] |
How this data lands in an underwriting decision
A file from here opens on 179.7 providers per 10,000 residents, and everything about volume follows from it. With 0 approvals on record in Cheshire County, expect a longer appraisal and a wider collateral discount. A $78,183 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
- Expansion, relocation, and build-out
- Working capital term loan
- Equipment financing and leasing
Built from what is enumerated here rather than from a national list, so a field with no presence in Keene does not appear. Availability is still a New Hampshire question.
Underwriting by field in Keene
What a funder opens first depends on the field. In Keene that means physical, occupational, and speech therapy, primary care and family medicine, behavioral and mental health group practices.
| Field | What the file turns on | The capital event behind most requests |
|---|---|---|
| Physical, occupational, and speech therapy (85) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Primary care and family medicine (49) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| Behavioral and mental health group practices (46) | Clinician retention and productivity, Payer mix and Medicaid concentration, Re-authorization and session limit exposure | Working capital through the credentialing lag |
Counts in the first column are Keene providers from NPPES. The other two columns describe how funders read that field across markets like Keene, not what any funder will do with your file.
Density beside the neighboring New Hampshire towns
Comparables travel. These are the New Hampshire towns whose density, at 179.7 per 10,000 here, gets weighed beside this one.
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Keene (current) | 23,036 | 414 | 179.7 | |
| Claremont | 13,105 | 136 | 103.8 | 30 |
| Concord | 44,674 | 956 | 214.0 | 42 |
| Nashua | 91,851 | 1,246 | 135.7 | 44 |
| Lebanon | 15,389 | 760 | 493.9 | 47 |
| Laconia | 17,310 | 269 | 155.4 | 60 |
| Rochester | 33,598 | 195 | 58.0 | 71 |
How Keene sits against the nearest metro
42 miles separate Keene from Amherst Town-Northampton, MA. Rent comparables cross that gap; patients mostly do not. Median household income runs $78,183, which is the number a funder converts into case acceptance on anything elective or cash-pay. Hospital coverage inside Keene means a call schedule can be evidenced rather than described. A degree-granting institution here moves volume on the academic calendar. Keene is the Cheshire County seat, so county employment steadies the payer mix.
Other New Hampshire markets
Keene owners, answered
01How many providers practice in Keene, and in what?
NPPES lists 414 providers at a Keene practice address, 179.7 per 10,000 residents across 27 tracked fields. Physical, occupational, and speech therapy accounts for 85 of them, 21 percent of the total, with primary care and family medicine next at 49. Read that as clinicians: 414 enumerations, not 414 owners.
02Why does Cheshire County show so little SBA activity?
Only 0 healthcare approvals appear for Cheshire County in the published 7(a) and 504 file. Thin volume in Cheshire County is a transaction count, not a verdict on borrowers here. The county still holds 35 credit intermediation establishments.
03Is Keene underwritten as part of Amherst Town-Northampton, MA?
Amherst Town-Northampton, MA sits 42 miles away, close enough that appraisers reach into that market for rent and resale comparables while your patient draw stays local. The comparables read Amherst Town-Northampton, MA; the 23,036 residents set the ceiling a projection can defend.
04How does the hospital in Keene affect a practice file?
Referral flow, coverage, and the local pay scale all trace back to it. The town carries 3 Medicare-certified providers in total. A Keene projection that names the call arrangement reads better than one that assumes it.
05Which fields carry the volume in Keene?
Physical, occupational, and speech therapy at 85 providers and primary care and family medicine at 49 lead the 27 fields enumerated here. A funder reads that mix as the local competition set and the local hiring pool at once, before it reads a single line of your own numbers.
06What does Cheshire County's shortage designation change?
Designated for primary care, Cheshire 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.
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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