New York micro-market
Healthcare practice financing in Fulton, New York
Direct answer
Density decides a lot here. Fulton runs 86.3 providers per 10,000 residents, 97 clinicians against 11,234 people, 23 percent of them in physical, occupational, and speech therapy, while Oswego County lenders have approved 2 healthcare files worth $61,000 and the nearest metro is 24 miles out.
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- Population: 11,234 residents (10K-25K band)1
- Healthcare providers registered here: 97 across 21 fields2
- Median household income: $52,1233
- Largest provider field: Physical, occupational, and speech therapy: 22 registered providers2
- Medicare-certified providers in town: 1 across 1 categories4
- Nearest metro: Syracuse, NY, 24 miles1
The clinical base a lender can verify here
86.3 providers per 10,000 residents is what 97 enumerations across 21 fields works out to in a town of 11,234
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Physical, occupational, and speech therapy | 22 | 19.6 | NPPES [2] |
| Primary care and family medicine | 18 | 16.0 | NPPES [2] |
| General dentistry | 16 | 14.2 | NPPES [2] |
| Independent pharmacy | 7 | 6.2 | NPPES [2] |
| Specialty physician groups | 7 | 6.2 | NPPES [2] |
| Chiropractic | 3 | 2.7 | NPPES [2] |
| Optometry and ophthalmology | 3 | 2.7 | NPPES [2] |
| DME and HME suppliers | 2 | 1.8 | NPPES [2] |
| Home health | 2 | 1.8 | NPPES [2] |
| Dental specialties | 2 | 1.8 | NPPES [2] |
| Audiology and hearing centers | 2 | 1.8 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 2 | 1.8 | NPPES [2] |
| Behavioral and mental health group practices | 2 | 1.8 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 2 | 1.8 | NPPES [2] |
| Podiatry | 1 | 0.9 | NPPES [2] |
| Dermatology | 1 | 0.9 | NPPES [2] |
| NEMT and ambulance | 1 | 0.9 | NPPES [2] |
| Clinical research sites | 1 | 0.9 | NPPES [2] |
| Clinical and toxicology labs | 1 | 0.9 | NPPES [2] |
| Telehealth and virtual clinics | 1 | 0.9 | NPPES [2] |
| Occupational health and drug testing | 1 | 0.9 | NPPES [2] |
| Medical equipment suppliers | 5 | CMS [4] | |
| Home health agencies | 1 | CMS [4] |
Physical, occupational, and speech therapy carries 22 of the 97 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
What lenders have already approved in Oswego County
With 2 healthcare approvals recorded, Oswego County gives a valuation almost nothing local to lean on
| What it measures | Value | How to read it |
|---|---|---|
| SBA healthcare approvals | 2 | One published fiscal year, healthcare borrowers only [5] |
| Approved dollars | $61,000 | Approved, not disbursed, and not net of withdrawals [5] |
| Average approval | $30,500 | A mean, so one large approval moves it [5] |
| Lending establishments in the county | 38 | Credit intermediation offices sited in the county [6] |
How this data lands in an underwriting decision
Underwriting starts with 86.3 providers per 10,000 residents, because that ratio caps how fast a chair or a room fills. With 2 approvals on record in Oswego County, expect a longer appraisal and a wider collateral discount. With $52,123 as the median household income, the payer mix in a projection has to match what Fulton households actually spend.
Where a file from this town usually lands
- Practice acquisition
- Startup and de novo
- Expansion, relocation, and build-out
- Equipment financing and leasing
- Working capital term loan
Weighted by how often each of the 21 local fields reaches for a program, not by what is easiest to refer. New York rules and the partner decide availability.
Underwriting by field in Fulton
What a funder opens first depends on the field. In Fulton that means physical, occupational, and speech therapy, primary care and family medicine, general dentistry.
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| Physical, occupational, and speech therapy (22) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Primary care and family medicine (18) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| General dentistry (16) | Three years of collections history, Hygiene as a share of collections, Overhead ratio and owner add-backs | Acquisition of an established practice |
NPPES supplies the Fulton counts. The reading columns describe the field in general, and no partner reviewing a Fulton file is bound by them.
How Fulton prices against its neighbors
Comparables travel. These are the New York towns whose density, at 86.3 per 10,000 here, gets weighed beside this one.
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Fulton (current) | 11,234 | 97 | 86.3 | |
| Oswego | 17,047 | 421 | 247.0 | 10 |
| Auburn | 25,963 | 303 | 116.7 | 28 |
| Oneida | 10,066 | 140 | 139.1 | 41 |
| Geneva | 12,397 | 208 | 167.8 | 42 |
| Rome | 31,990 | 284 | 88.8 | 47 |
| Cortland | 17,459 | 317 | 181.6 | 51 |
How Fulton sits against the nearest metro
Distance to Syracuse, NY is 24 miles. Appraisers borrow Syracuse, NY rents, and the 11,234 residents set the ceiling on collections. Median household income runs $52,123, which is the number a funder converts into case acceptance on anything elective or cash-pay. With no hospital in town, a projection has to name where referrals and coverage come from.
More of New York
Questions from Fulton
01How many providers practice in Fulton, and in what?
NPPES lists 97 providers at a Fulton practice address, 86.3 per 10,000 residents across 21 tracked fields. Physical, occupational, and speech therapy accounts for 22 of them, 23 percent of the total, with primary care and family medicine next at 18. Read that as clinicians: 97 enumerations, not 97 owners.
02What does Oswego County's shortage designation change?
Oswego County holds a HRSA designation covering primary care, dental, mental health. A pro forma for Fulton can cite it as the reason a vacancy is fillable, which is usually the weakest line in a ramp schedule.
03Why does Oswego County show so little SBA activity?
The published file records 2 7(a) and 504 approvals to healthcare borrowers in Oswego County. That tracks how few Oswego County practices changed hands that year, not credit quality. 38 credit intermediation establishments operate in Oswego County, so the lending capacity is local even where the healthcare history is not.
04Is Fulton underwritten as part of Syracuse, NY?
Comparables and demand split at 24 miles. An appraiser prices the lease and the equipment off Syracuse, NY; the revenue line has to hold up against 11,234 local residents.
05What does the underserved designation in Oswego County support?
Oswego County carries a medically underserved designation. It evidences unmet demand behind a capacity build, and it opens recruitment programs that make a staffing line in a projection easier to defend than local wage data alone would.
06What does a $52,123 median income mean for case acceptance?
Median household income in Fulton runs $52,123. 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
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