New York micro-market
Healthcare practice financing in Endicott, New York
Direct answer
13,199 residents, 130 enumerated clinicians, 98.5 per 10,000, 27 percent of them in physical, occupational, and speech therapy: that is the Endicott market a funder prices. Broome County adds 1 healthcare approvals worth $25,000 and 8 miles of distance to Binghamton, NY.
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 York, and how many partners see it, is set out on the New York page.
- Population: 13,199 residents (10K-25K band)1
- Healthcare providers registered here: 130 across 19 fields2
- Median household income: $46,6853
- Largest provider field: Physical, occupational, and speech therapy: 35 registered providers2
- Nearest metro: Binghamton, NY, 8 miles1
- Higher education: At least one degree-granting institution is based here4
Fields practicing inside Endicott
Counted at the town's own addresses: 130 providers, 19 fields, 98.5 clinicians per 10,000 of the 13,199 residents here
| Practice type | Count | Rate per 10,000 residents | Published by |
|---|---|---|---|
| Physical, occupational, and speech therapy | 35 | 26.5 | NPPES [2] |
| Dental specialties | 15 | 11.4 | NPPES [2] |
| Chiropractic | 14 | 10.6 | NPPES [2] |
| Primary care and family medicine | 12 | 9.1 | NPPES [2] |
| General dentistry | 10 | 7.6 | NPPES [2] |
| Optometry and ophthalmology | 8 | 6.1 | NPPES [2] |
| DME and HME suppliers | 6 | 4.5 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 6 | 4.5 | NPPES [2] |
| Independent pharmacy | 4 | 3.0 | NPPES [2] |
| ABA and autism therapy | 4 | 3.0 | NPPES [2] |
| Podiatry | 3 | 2.3 | NPPES [2] |
| Specialty physician groups | 3 | 2.3 | NPPES [2] |
| Behavioral and mental health group practices | 3 | 2.3 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 2 | 1.5 | NPPES [2] |
| Home health | 1 | 0.8 | NPPES [2] |
| NEMT and ambulance | 1 | 0.8 | NPPES [2] |
| Non-medical home care | 1 | 0.8 | NPPES [2] |
| Med spa and aesthetics | 1 | 0.8 | NPPES [2] |
| Plastic and cosmetic surgery | 1 | 0.8 | NPPES [2] |
| Medical equipment suppliers | 7 | CMS [5] |
A single Endicott practice can hold more than one of these numbers. 27 percent sit in physical, occupational, and speech therapy, counted as clinicians rather than as owners.
Loan activity in Broome County
1 healthcare approvals sit in the county file, so an appraiser here works from a short comparable set
| Line | Amount | Reading and source |
|---|---|---|
| Healthcare files approved | 1 | Counted for the fiscal year the SBA publishes [6] |
| Dollars behind them | $25,000 | Everything approved to healthcare borrowers, added up [6] |
| Typical approval size | $25,000 | The dollar column over the approval column [6] |
| Credit offices operating locally | 75 | Places that write credit locally, NAICS 522 [7] |
How this data lands in an underwriting decision
98.5 per 10,000 is the first number a credit analyst converts into a realistic new-patient count. A short county record of 1 approvals usually means more documentation and a lower advance against the same collateral. Household income of $46,685 in Endicott is the number a lender uses to sanity check the self-pay share of a revenue projection.
Programs the Endicott mix reaches for
- Practice acquisition
- Startup and de novo
- Working capital term loan
- Equipment financing and leasing
- Expansion, relocation, and build-out
Ranked from the 19 fields that actually practice in Endicott, weighted toward physical, occupational, and speech therapy. Availability still depends on New York and on the funding partner.
The first pages of a Endicott file
Drawn from the fields that actually practice here: physical, occupational, and speech therapy, dental specialties, chiropractic
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| Physical, occupational, and speech therapy (35) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Dental specialties (15) | Collections concentrated in the selling doctor, Referral source concentration, Contract receivables on payment plans | Specialty practice acquisition |
| Chiropractic (14) | Cash plan revenue, Personal injury receivable age, Visit volume | Startup or acquisition |
NPPES supplies the Endicott counts. The reading columns describe the field in general, and no partner reviewing a Endicott file is bound by them.
How Endicott prices against its neighbors
98.5 per 10,000 is the figure a neighboring town gets compared against when an appraiser prices Endicott
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Endicott (current) | 13,199 | 130 | 98.5 | |
| Binghamton | 46,773 | 541 | 115.7 | 8 |
| Ithaca | 33,768 | 663 | 196.3 | 33 |
| Cortland | 17,459 | 317 | 181.6 | 35 |
| Elmira | 26,255 | 503 | 191.6 | 38 |
| Corning | 10,605 | 175 | 165.0 | 51 |
| Oneonta | 15,679 | 196 | 125.0 | 57 |
What the geography does to a Endicott projection
Binghamton, NY lies 8 miles from Endicott, close enough that appraisers price the lease against Binghamton, NY rents while 13,199 residents set the revenue ceiling. Households here carry $46,685 in median income, and that ceiling decides how much of a treatment plan gets started rather than deferred. Referral flow comes from outside Endicott, which a projection needs to state plainly. Campus terms, not calendar quarters, set the busy months in Endicott.
Nearby New York towns
Endicott owners, answered
01How many providers practice in Endicott, and in what?
130 enumerations sit at Endicott addresses in the monthly NPPES file, working out to 98.5 for every 10,000 residents. 27 percent of them are physical, occupational, and speech therapy, and dental specialties follows with 15. An enumeration is a clinician, so the 130 here cover fewer than 130 practices.
02Why does Broome County show so little SBA activity?
Broome County shows 1 approvals in the SBA healthcare file, which means an appraiser reaches outside the county for comparables. Few sales, not weak credit, is the usual reason. 75 lending establishments operate locally.
03What does Broome County's shortage designation change?
The primary care, dental, mental health designation HRSA carries on Broome County is a recruiting instrument: it puts repayment incentives in front of candidates, which is how a hiring plan for 13,199 residents gets past the question of who would take the job.
04What does a $46,685 median income mean for case acceptance?
Median household income in Endicott runs $46,685. On elective and cash-pay work that is the number a funder converts into case acceptance, and it sets how much of a treatment plan a projection can assume gets started rather than deferred.
05Which fields carry the volume in Endicott?
Volume concentrates in physical, occupational, and speech therapy, 35 of them, ahead of dental specialties at 15, across 19 fields. A thin second field usually means a longer search for staff than a pro forma allows for.
06Is Endicott underwritten as part of Binghamton, NY?
Partly. Binghamton, NY is 8 miles out, so rent and equipment comparables travel in from there while patients still come from the 13,199 residents around Endicott. Cost side metro, revenue side local.
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
- 4U.S. Department of Education, IPEDS 2023 institutional directory
- 5CMS Care Compare provider datasets
- 6U.S. Small Business Administration, 7(a) and 504 approvals
- 7U.S. Census Bureau, County Business Patterns 2022
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