New York micro-market
Healthcare practice financing in Harrison, New York
Direct answer
Westchester County carries 27 SBA healthcare approvals worth $11,000,000, and inside Harrison the census shows 258 enumerated clinicians against 31,321 residents, 82.4 per 10,000, 30 percent of them in physical, occupational, and speech therapy. New York-Newark-Jersey City, NY-NJ lies 27 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: 31,321 residents (25K-50K band)1
- Healthcare providers registered here: 258 across 25 fields2
- Median household income: $153,2733
- Largest provider field: Physical, occupational, and speech therapy: 77 registered providers2
- Medicare-certified providers in town: 1 across 1 categories4
- Nearest metro: New York-Newark-Jersey City, NY-NJ, 27 miles1
What NPPES records at Harrison addresses
258 providers across 25 fields, 82.4 per 10,000 residents, counted at Harrison addresses in the NPPES monthly file
| Practice type | Count | Rate per 10,000 residents | Published by |
|---|---|---|---|
| Physical, occupational, and speech therapy | 77 | 24.6 | NPPES [2] |
| Behavioral and mental health group practices | 43 | 13.7 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 33 | 10.5 | NPPES [2] |
| Specialty physician groups | 14 | 4.5 | NPPES [2] |
| Chiropractic | 13 | 4.2 | NPPES [2] |
| Primary care and family medicine | 11 | 3.5 | NPPES [2] |
| Dental specialties | 11 | 3.5 | NPPES [2] |
| Optometry and ophthalmology | 9 | 2.9 | NPPES [2] |
| Dermatology | 7 | 2.2 | NPPES [2] |
| Med spa and aesthetics | 6 | 1.9 | NPPES [2] |
| General dentistry | 5 | 1.6 | NPPES [2] |
| DME and HME suppliers | 4 | 1.3 | NPPES [2] |
| ABA and autism therapy | 4 | 1.3 | NPPES [2] |
| Podiatry | 3 | 1.0 | NPPES [2] |
| Home health | 2 | 0.6 | NPPES [2] |
| ASCs and OBLs | 2 | 0.6 | NPPES [2] |
| Pain management and interventional | 2 | 0.6 | NPPES [2] |
| Independent pharmacy | 2 | 0.6 | NPPES [2] |
| Audiology and hearing centers | 2 | 0.6 | NPPES [2] |
| Hormone, TRT, and men's health clinics | 2 | 0.6 | NPPES [2] |
| Plastic and cosmetic surgery | 2 | 0.6 | NPPES [2] |
| SUD treatment and residential | 1 | 0.3 | NPPES [2] |
| Fertility and IVF | 1 | 0.3 | NPPES [2] |
| Occupational health and drug testing | 1 | 0.3 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 1 | 0.3 | NPPES [2] |
| Medical equipment suppliers | 2 | CMS [4] | |
| Ambulatory surgical centers | 1 | CMS [4] |
Several of the 77 physical, occupational, and speech therapy enumerations can belong to one practice, so the column counts clinicians rather than businesses or owners
Loan activity in Westchester County
27 healthcare approvals averaging $407,407 set the deal shape lenders in Westchester County have already underwritten
| Measure | Published figure | What sits behind it |
|---|---|---|
| SBA healthcare approvals | 27 | Fiscal year published in the SBA file [5] |
| Approved dollars | $11,000,000 | Sum of approvals to healthcare borrowers [5] |
| Average approval | $407,407 | Dollars divided by approvals [5] |
| Lending establishments in the county | 434 | Credit intermediation establishments, NAICS 522 [6] |
The consequence of these numbers
Density of 82.4 per 10,000 sets the patient draw a projection can claim without an argument. Because Westchester County already carries $11,000,000 across 27 healthcare approvals, a request near that average moves faster than one well above it. A $153,273 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
Weighted by how often each of the 25 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 Harrison
What a funder opens first depends on the field. In Harrison that means physical, occupational, and speech therapy, behavioral and mental health group practices, ketamine, tms, and interventional psychiatry.
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| Physical, occupational, and speech therapy (77) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Behavioral and mental health group practices (43) | Clinician retention and productivity, Payer mix and Medicaid concentration, Re-authorization and session limit exposure | Working capital through the credentialing lag |
| Ketamine, TMS, and interventional psychiatry (33) | Session series completion, Coverage mix, Device utilization | Treatment device purchase |
NPPES supplies the Harrison counts. The reading columns describe the field in general, and no partner reviewing a Harrison file is bound by them.
Harrison against nearby New York markets
The neighboring markets below are the ones a valuation borrows from when Harrison has too few sales of its own
| Comparable | People | Enumerations | Per 10,000 residents | Miles |
|---|---|---|---|---|
| Harrison (current) | 31,321 | 258 | 82.4 | |
| Port Chester | 30,957 | 118 | 38.1 | 3 |
| Scarsdale | 18,036 | 523 | 290.0 | 4 |
| Rye | 16,463 | 170 | 103.3 | 6 |
| Mamaroneck | 19,783 | 228 | 115.3 | 6 |
| New Rochelle | 85,512 | 613 | 71.7 | 8 |
| Dobbs Ferry | 11,513 | 158 | 137.2 | 8 |
How Harrison sits against the nearest metro
Distance to New York-Newark-Jersey City, NY-NJ is 27 miles. That is close enough for rent in Harrison to be compared against the metro and far enough that patient draw is not. At $153,273 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.
Nearby New York towns
- Port Chester 30,957 residents
- Scarsdale 18,036 residents
- Rye 16,463 residents
- Mamaroneck 19,783 residents
- New Rochelle 85,512 residents
- Dobbs Ferry 11,513 residents
What owners in Harrison ask
01How many providers practice in Harrison, and in what?
Across 25 fields, Harrison carries 258 enumerated clinicians, 82.4 per 10,000 of the 31,321 people living here. The concentration is in physical, occupational, and speech therapy, 77 of the total, then behavioral and mental health group practices at 43. Count practices from that only with care.
02What does Westchester County's shortage designation change?
Westchester County holds a HRSA designation covering primary care, dental, mental health. A pro forma for Harrison 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 Harrison?
Volume concentrates in physical, occupational, and speech therapy, 77 of them, ahead of behavioral and mental health group practices at 43, across 25 fields. A thin second field usually means a longer search for staff than a pro forma allows for.
04What does SBA lending look like around Harrison?
The county file behind Harrison holds 27 healthcare approvals totaling $11,000,000, an average of $407,407. Those are the loan sizes lenders in Westchester County have already carried.
05Is Harrison underwritten as part of New York-Newark-Jersey City, NY-NJ?
Partly. New York-Newark-Jersey City, NY-NJ is 27 miles out, so rent and equipment comparables travel in from there while patients still come from the 31,321 residents around Harrison. Cost side metro, revenue side local.
06What does a $153,273 median income mean for case acceptance?
Median household income in Harrison runs $153,273. 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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