New Hampshire micro-market
Healthcare practice financing in Somersworth, New Hampshire
Direct answer
142 healthcare providers hold a Somersworth practice address, 116.2 per 10,000 of its 12,218 residents, 49 percent of them in physical, occupational, and speech therapy. Strafford County recorded 5 SBA healthcare approvals worth $683,000, and Manchester-Nashua, NH sits 34 miles out.
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- Population: 12,218 residents (10K-25K band)1
- Healthcare providers registered here: 142 across 24 fields2
- Median household income: $79,6773
- Largest provider field: Physical, occupational, and speech therapy: 69 registered providers2
- Medicare-certified providers in town: 3 across 3 categories4
- Nearest metro: Manchester-Nashua, NH, 34 miles1
What NPPES records at Somersworth addresses
The NPPES file puts 142 enumerated clinicians inside Somersworth, spread over 24 fields at 116.2 per 10,000 residents
| Practice type | Count | Rate per 10,000 residents | Published by |
|---|---|---|---|
| Physical, occupational, and speech therapy | 69 | 56.5 | NPPES [2] |
| Primary care and family medicine | 16 | 13.1 | NPPES [2] |
| General dentistry | 14 | 11.5 | NPPES [2] |
| DME and HME suppliers | 5 | 4.1 | NPPES [2] |
| Home health | 4 | 3.3 | NPPES [2] |
| Dental specialties | 4 | 3.3 | NPPES [2] |
| Independent pharmacy | 3 | 2.5 | NPPES [2] |
| ABA and autism therapy | 3 | 2.5 | NPPES [2] |
| Specialty physician groups | 3 | 2.5 | NPPES [2] |
| Optometry and ophthalmology | 3 | 2.5 | NPPES [2] |
| Chiropractic | 2 | 1.6 | NPPES [2] |
| ASCs and OBLs | 2 | 1.6 | NPPES [2] |
| SUD treatment and residential | 2 | 1.6 | NPPES [2] |
| Pain management and interventional | 2 | 1.6 | NPPES [2] |
| Urgent care | 1 | 0.8 | NPPES [2] |
| Imaging centers | 1 | 0.8 | NPPES [2] |
| Audiology and hearing centers | 1 | 0.8 | NPPES [2] |
| Non-medical home care | 1 | 0.8 | NPPES [2] |
| Hospice and palliative | 1 | 0.8 | NPPES [2] |
| Med spa and aesthetics | 1 | 0.8 | NPPES [2] |
| Clinical research sites | 1 | 0.8 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 1 | 0.8 | NPPES [2] |
| Behavioral and mental health group practices | 1 | 0.8 | NPPES [2] |
| Occupational health and drug testing | 1 | 0.8 | NPPES [2] |
| Medical equipment suppliers | 4 | CMS [4] | |
| Ambulatory surgical centers | 1 | CMS [4] | |
| Hospice providers | 1 | CMS [4] | |
| Home health agencies | 1 | CMS [4] |
Several of the 69 physical, occupational, and speech therapy enumerations can belong to one practice, so the column counts clinicians rather than businesses or owners
Loan activity in Strafford County
With 5 healthcare approvals recorded, Strafford County gives a valuation almost nothing local to lean on
| Measure | Published figure | What sits behind it |
|---|---|---|
| Approvals on record | 5 | One published fiscal year, healthcare borrowers only [5] |
| Total approved capital | $683,000 | Approved, not disbursed, and not net of withdrawals [5] |
| Mean deal size | $136,600 | A mean, so one large approval moves it [5] |
| Lenders sited in the county | 58 | Credit intermediation offices sited in the county [6] |
How this data lands in an underwriting decision
The ratio that matters up front is 116.2 per 10,000, which decides whether a ramp schedule reads as conservative. Strafford County has 5 approvals to compare against, so plan for extra appraisal time and a conservative valuation. With $79,677 as the median household income, the payer mix in a projection has to match what Somersworth households actually spend.
The programs this provider mix points at
- Practice acquisition
- Startup and de novo
- Working capital term loan
- Expansion, relocation, and build-out
- Medical receivables factoring
Weighted by how often each of the 24 local fields reaches for a program, not by what is easiest to refer. New Hampshire rules and the partner decide availability.
Underwriting by field in Somersworth
Drawn from the fields that actually practice here: physical, occupational, and speech therapy, primary care and family medicine, general dentistry
| Field | What the file turns on | The capital event behind most requests |
|---|---|---|
| Physical, occupational, and speech therapy (69) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Primary care and family medicine (16) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| General dentistry (14) | Three years of collections history, Hygiene as a share of collections, Overhead ratio and owner add-backs | Acquisition of an established practice |
Column one counts Somersworth clinicians from the federal file. Columns two and three describe how the field is usually underwritten, and a partner can read a Somersworth file differently.
How Somersworth prices against its neighbors
116.2 per 10,000 is the figure a neighboring town gets compared against when an appraiser prices Somersworth
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Somersworth (current) | 12,218 | 142 | 116.2 | |
| Dover | 33,909 | 485 | 143.0 | 5 |
| Rochester | 33,598 | 195 | 58.0 | 5 |
| Portsmouth | 22,938 | 802 | 349.6 | 14 |
| Concord | 44,674 | 956 | 214.0 | 34 |
| Laconia | 17,310 | 269 | 155.4 | 37 |
| Nashua | 91,851 | 1,246 | 135.7 | 46 |
How Somersworth sits against the nearest metro
34 miles separate Somersworth from Manchester-Nashua, NH. Rent comparables cross that gap; patients mostly do not. At $79,677 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. A degree-granting institution here moves volume on the academic calendar.
Other New Hampshire markets
Somersworth owners, answered
01How many providers practice in Somersworth, and in what?
Across 24 fields, Somersworth carries 142 enumerated clinicians, 116.2 per 10,000 of the 12,218 people living here. The concentration is in physical, occupational, and speech therapy, 69 of the total, then primary care and family medicine at 16. Count practices from that only with care.
02Why does Strafford County show so little SBA activity?
The published file records 5 7(a) and 504 approvals to healthcare borrowers in Strafford County. That tracks how few Strafford County practices changed hands that year, not credit quality. 58 credit intermediation establishments operate in Strafford County, so the lending capacity is local even where the healthcare history is not.
03What does Strafford County's shortage designation change?
Strafford County holds a HRSA designation covering primary care. A pro forma for Somersworth can cite it as the reason a vacancy is fillable, which is usually the weakest line in a ramp schedule.
04Which fields carry the volume in Somersworth?
Physical, occupational, and speech therapy at 69 providers and primary care and family medicine at 16 lead the 24 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.
05Is Somersworth underwritten as part of Manchester-Nashua, NH?
Partly. Manchester-Nashua, NH is 34 miles out, so rent and equipment comparables travel in from there while patients still come from the 12,218 residents around Somersworth. Cost side metro, revenue side local.
06Is there local lending capacity in Strafford County?
County Business Patterns records 58 credit intermediation establishments in Strafford County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Somersworth 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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