New York micro-market
Healthcare practice financing in Floral Park, New York
Direct answer
Nassau County carries 26 SBA healthcare approvals worth $18,732,200, and inside Floral Park the census shows 288 enumerated clinicians against 15,966 residents, 180.4 per 10,000, 39 percent of them in physical, occupational, and speech therapy. New York-Newark-Jersey City, NY-NJ lies 13 miles away.
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: 15,966 residents (10K-25K band)1
- Healthcare providers registered here: 288 across 19 fields2
- Median household income: $150,3503
- Largest provider field: Physical, occupational, and speech therapy: 113 registered providers2
- Medicare-certified providers in town: 1 across 1 categories4
- Nearest metro: New York-Newark-Jersey City, NY-NJ, 13 miles1
The clinical base a lender can verify here
180.4 providers per 10,000 residents is what 288 enumerations across 19 fields works out to in a town of 15,966
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Physical, occupational, and speech therapy | 113 | 70.8 | NPPES [2] |
| General dentistry | 26 | 16.3 | NPPES [2] |
| DME and HME suppliers | 22 | 13.8 | NPPES [2] |
| Independent pharmacy | 16 | 10.0 | NPPES [2] |
| Primary care and family medicine | 15 | 9.4 | NPPES [2] |
| Specialty physician groups | 15 | 9.4 | NPPES [2] |
| ABA and autism therapy | 14 | 8.8 | NPPES [2] |
| Home health | 10 | 6.3 | NPPES [2] |
| Chiropractic | 9 | 5.6 | NPPES [2] |
| Med spa and aesthetics | 9 | 5.6 | NPPES [2] |
| Optometry and ophthalmology | 9 | 5.6 | NPPES [2] |
| Behavioral and mental health group practices | 8 | 5.0 | NPPES [2] |
| Podiatry | 7 | 4.4 | NPPES [2] |
| Dental specialties | 7 | 4.4 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 3 | 1.9 | NPPES [2] |
| Audiology and hearing centers | 2 | 1.3 | NPPES [2] |
| NEMT and ambulance | 1 | 0.6 | NPPES [2] |
| Clinical and toxicology labs | 1 | 0.6 | NPPES [2] |
| Dialysis and infusion centers | 1 | 0.6 | NPPES [2] |
| Medical equipment suppliers | 11 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] |
Several of the 113 physical, occupational, and speech therapy enumerations can belong to one practice, so the column counts clinicians rather than businesses or owners
What Nassau County credit files already show
26 healthcare approvals averaging $720,469 set the deal shape lenders in Nassau County have already underwritten
| Measure | Published figure | What sits behind it |
|---|---|---|
| Healthcare files approved | 26 | Counted for the fiscal year the SBA publishes [5] |
| Dollars behind them | $18,732,200 | Everything approved to healthcare borrowers, added up [5] |
| Typical approval size | $720,469 | The dollar column over the approval column [5] |
| Credit offices operating locally | 758 | Places that write credit locally, NAICS 522 [6] |
How this data lands in an underwriting decision
Underwriting starts with 180.4 providers per 10,000 residents, because that ratio caps how fast a chair or a room fills. Because Nassau County already carries $18,732,200 across 26 healthcare approvals, a request near that average moves faster than one well above it. A $150,350 median household income here sets the ceiling on what an elective or cash-pay line can be expected to carry.
The programs this provider mix points at
- Practice acquisition
- Startup and de novo
- Working capital term loan
- Equipment financing and leasing
- Expansion, relocation, and build-out
The order comes from Floral Park's own provider mix, which physical, occupational, and speech therapy dominates at 39 percent. What a partner can actually place in New York is a separate question.
Underwriting by field in Floral Park
What a funder opens first depends on the field. In Floral Park that means physical, occupational, and speech therapy, general dentistry, dme and hme suppliers.
| Practice type | The pages that decide it | Typical capital event |
|---|---|---|
| Physical, occupational, and speech therapy (113) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| General dentistry (26) | Three years of collections history, Hygiene as a share of collections, Overhead ratio and owner add-backs | Acquisition of an established practice |
| DME and HME suppliers (22) | Accreditation and surety bond status, Rental versus sale revenue split, Denial rate and documentation quality | Inventory and rental fleet |
The first column is Floral Park's own NPPES count. The rest is how the field is generally underwritten, whether the address is Floral Park or anywhere else.
Density beside the neighboring New York towns
Set Floral Park's 180.4 per 10,000 against the towns an appraiser would reach for next
| Comparable | People | Enumerations | Per 10,000 residents | Miles |
|---|---|---|---|---|
| Floral Park (current) | 15,966 | 288 | 180.4 | |
| New Hyde Park | 10,220 | 1,165 | 1139.9 | 1 |
| Mineola | 21,305 | 445 | 208.9 | 4 |
| Valley Stream | 40,232 | 667 | 165.8 | 4 |
| Hempstead | 59,569 | 327 | 54.9 | 5 |
| Lynbrook | 20,684 | 311 | 150.4 | 5 |
| Rockville Centre | 25,718 | 525 | 204.1 | 5 |
Distance, income, and the wage floor around Floral Park
New York-Newark-Jersey City, NY-NJ lies 13 miles from Floral Park, close enough that appraisers price the lease against New York-Newark-Jersey City, NY-NJ rents while 15,966 residents set the revenue ceiling. At $150,350 median household income, the elective and cash-pay share of a projection is the line that gets tested first. No hospital operates here, so the referral sources and the call arrangement have to be named rather than assumed.
Nearby New York towns
- New Hyde Park 10,220 residents
- Mineola 21,305 residents
- Valley Stream 40,232 residents
- Hempstead 59,569 residents
- Lynbrook 20,684 residents
- Rockville Centre 25,718 residents
Questions from Floral Park
01How many providers practice in Floral Park, and in what?
Across 19 fields, Floral Park carries 288 enumerated clinicians, 180.4 per 10,000 of the 15,966 people living here. The concentration is in physical, occupational, and speech therapy, 113 of the total, then general dentistry at 26. Count practices from that only with care.
02What does Nassau County's shortage designation change?
Nassau County holds a HRSA designation covering primary care, dental, mental health. A pro forma for Floral Park can cite it as the reason a vacancy is fillable, which is usually the weakest line in a ramp schedule.
03Which fields carry the volume in Floral Park?
Physical, occupational, and speech therapy at 113 providers and general dentistry at 26 lead the 19 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.
04What does SBA lending look like around Floral Park?
Healthcare borrowers in Nassau County took 26 approvals worth $18,732,200 in the published fiscal year, averaging $720,469. That is the comparable set an appraiser near Floral Park reaches for first.
05Is Floral Park underwritten as part of New York-Newark-Jersey City, NY-NJ?
Partly. New York-Newark-Jersey City, NY-NJ is 13 miles out, so rent and equipment comparables travel in from there while patients still come from the 15,966 residents around Floral Park. Cost side metro, revenue side local.
06What does a $150,350 median income mean for case acceptance?
Median household income in Floral Park runs $150,350. 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.
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
Our team reviews every request within 1 business day. If a funding partner thinks they can help, a specialist from that partner contacts you to discuss next steps.