New Mexico micro-market
Healthcare practice financing in Clovis, New Mexico
Direct answer
Density decides a lot here. Clovis runs 119.3 providers per 10,000 residents, 448 clinicians against 37,555 people, 39 percent of them in behavioral and mental health group practices, while Curry County lenders have approved 0 healthcare files worth $0 and the nearest metro is 94 miles out.
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 Mexico, and how many partners see it, is set out on the New Mexico page.
- Population: 37,555 residents (25K-50K band)1
- Healthcare providers registered here: 448 across 27 fields2
- Median household income: $54,0293
- Largest provider field: Behavioral and mental health group practices: 176 registered providers2
- Medicare-certified providers in town: 8 across 3 categories4
- Nearest metro: Amarillo, TX, 94 miles1
What NPPES records at Clovis addresses
119.3 providers per 10,000 residents is what 448 enumerations across 27 fields works out to in a town of 37,555
| Practice type | Count | Rate per 10,000 residents | Published by |
|---|---|---|---|
| Behavioral and mental health group practices | 176 | 46.9 | NPPES [2] |
| Physical, occupational, and speech therapy | 99 | 26.4 | NPPES [2] |
| Primary care and family medicine | 31 | 8.3 | NPPES [2] |
| General dentistry | 25 | 6.7 | NPPES [2] |
| Specialty physician groups | 15 | 4.0 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 12 | 3.2 | NPPES [2] |
| DME and HME suppliers | 11 | 2.9 | NPPES [2] |
| Chiropractic | 9 | 2.4 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 8 | 2.1 | NPPES [2] |
| Optometry and ophthalmology | 8 | 2.1 | NPPES [2] |
| Non-medical home care | 7 | 1.9 | NPPES [2] |
| Independent pharmacy | 6 | 1.6 | NPPES [2] |
| ABA and autism therapy | 6 | 1.6 | NPPES [2] |
| Home health | 5 | 1.3 | NPPES [2] |
| Audiology and hearing centers | 4 | 1.1 | NPPES [2] |
| Telehealth and virtual clinics | 4 | 1.1 | NPPES [2] |
| Urgent care | 3 | 0.8 | NPPES [2] |
| ASCs and OBLs | 3 | 0.8 | NPPES [2] |
| Dental specialties | 3 | 0.8 | NPPES [2] |
| Hospice and palliative | 3 | 0.8 | NPPES [2] |
| Dialysis and infusion centers | 3 | 0.8 | NPPES [2] |
| Clinical and toxicology labs | 2 | 0.5 | NPPES [2] |
| Podiatry | 1 | 0.3 | NPPES [2] |
| Imaging centers | 1 | 0.3 | NPPES [2] |
| NEMT and ambulance | 1 | 0.3 | NPPES [2] |
| Clinical research sites | 1 | 0.3 | NPPES [2] |
| Occupational health and drug testing | 1 | 0.3 | NPPES [2] |
| Medical equipment suppliers | 7 | CMS [4] | |
| Home health agencies | 4 | CMS [4] | |
| Hospice providers | 2 | CMS [4] | |
| Dialysis facilities | 2 | CMS [4] |
A single Clovis practice can hold more than one of these numbers. 39 percent sit in behavioral and mental health group practices, counted as clinicians rather than as owners.
What lenders have already approved in Curry County
0 healthcare approvals sit in the county file, so an appraiser here works from a short comparable set
| Line | Amount | Reading and source |
|---|---|---|
| Approvals on record | 0 | One published fiscal year, healthcare borrowers only [5] |
| Total approved capital | $0 | Approved, not disbursed, and not net of withdrawals [5] |
| Mean deal size | No approvals recorded | A mean, so one large approval moves it [5] |
| Lenders sited in the county | 39 | Credit intermediation offices sited in the county [6] |
The consequence of these numbers
A file from here opens on 119.3 providers per 10,000 residents, and everything about volume follows from it. A short county record of 0 approvals usually means more documentation and a lower advance against the same collateral. Household income of $54,029 in Clovis is the number a lender uses to sanity check the self-pay share of a revenue projection.
Programs the Clovis mix reaches for
- Practice acquisition
- Working capital term loan
- Startup and de novo
- Business line of credit
- Expansion, relocation, and build-out
The 27 fields practicing locally set this order. A funding partner, not this list, decides what is available in New Mexico.
Underwriting by field in Clovis
What a funder opens first depends on the field. In Clovis that means behavioral and mental health group practices, physical, occupational, and speech therapy, primary care and family medicine.
| Practice type | The pages that decide it | Typical capital event |
|---|---|---|
| Behavioral and mental health group practices (176) | Clinician retention and productivity, Payer mix and Medicaid concentration, Re-authorization and session limit exposure | Working capital through the credentialing lag |
| Physical, occupational, and speech therapy (99) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Primary care and family medicine (31) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
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.
How Clovis prices against its neighbors
119.3 per 10,000 is the figure a neighboring town gets compared against when an appraiser prices Clovis
| Comparable | People | Enumerations | Per 10,000 residents | Miles |
|---|---|---|---|---|
| Clovis (current) | 37,555 | 448 | 119.3 | |
| Portales | 11,789 | 134 | 113.7 | 20 |
| Lovington | 11,693 | 86 | 73.5 | 103 |
| Roswell | 47,176 | 388 | 82.2 | 106 |
| Hobbs | 41,061 | 230 | 56.0 | 118 |
| Artesia | 12,550 | 90 | 71.7 | 130 |
| Las Vegas | 12,711 | 307 | 241.5 | 140 |
What the geography does to a Clovis projection
94 miles separate Clovis from Amarillo, TX. Equipment sold at that distance has no local buyer, and the advance rate carries the discount. Households here carry $54,029 in median income, and that ceiling decides how much of a treatment plan gets started rather than deferred. A Medicare-certified hospital operates here, so referral flow is verifiable and the clinical wage floor is already set. A college in Clovis puts a term-shaped curve into monthly collections. Clovis is the Curry County seat, so county employment steadies the payer mix.
More of New Mexico
What owners in Clovis ask
01How many providers practice in Clovis, and in what?
NPPES lists 448 providers at a Clovis practice address, 119.3 per 10,000 residents across 27 tracked fields. Behavioral and mental health group practices accounts for 176 of them, 39 percent of the total, with physical, occupational, and speech therapy next at 99. Read that as clinicians: 448 enumerations, not 448 owners.
02Does being 94 miles out change the underwriting?
Distance does the work here. 94 miles out, Curry County supplies the rent and resale comparables, which usually means a slower appraisal and a harder haircut on anything a funder would have to move to sell.
03What does Curry County's shortage designation change?
The primary care, dental, mental health designation HRSA carries on Curry County is a recruiting instrument: it puts repayment incentives in front of candidates, which is how a hiring plan for 37,555 residents gets past the question of who would take the job.
04Why does Curry County show so little SBA activity?
The published file records 0 7(a) and 504 approvals to healthcare borrowers in Curry County. That tracks how few Curry County practices changed hands that year, not credit quality. 39 credit intermediation establishments operate in Curry County, so the lending capacity is local even where the healthcare history is not.
05How does the hospital in Clovis affect a practice file?
It makes the staffing and referral lines checkable. 8 Medicare-certified providers hold Clovis addresses, and the hospital sets the wage a clinical hire is bid against in a 119.3 per 10,000 market.
06Which fields carry the volume in Clovis?
Volume concentrates in behavioral and mental health group practices, 176 of them, ahead of physical, occupational, and speech therapy at 99, across 27 fields. A thin second field usually means a longer search for staff than a pro forma allows for.
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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