New York micro-market
Healthcare practice financing in Ithaca, New York
Direct answer
A Ithaca file is read against 663 local clinicians, 196.3 for every 10,000 of its 33,768 residents, 36 percent of them in physical, occupational, and speech therapy, plus the 5 SBA healthcare approvals worth $665,000 already recorded in Tompkins County, 0 miles from Ithaca, 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: 33,768 residents (25K-50K band)1
- Healthcare providers registered here: 663 across 29 fields2
- Median household income: $48,6173
- Largest provider field: Physical, occupational, and speech therapy: 240 registered providers2
- Medicare-certified providers in town: 3 across 3 categories4
- Nearest metro: Ithaca, NY, 0 miles1
Who is enumerated in Ithaca
Counted at the town's own addresses: 663 providers, 29 fields, 196.3 clinicians per 10,000 of the 33,768 residents here
| Practice type | Count | Rate per 10,000 residents | Published by |
|---|---|---|---|
| Physical, occupational, and speech therapy | 240 | 71.1 | NPPES [2] |
| Specialty physician groups | 82 | 24.3 | NPPES [2] |
| Primary care and family medicine | 63 | 18.7 | NPPES [2] |
| Chiropractic | 57 | 16.9 | NPPES [2] |
| General dentistry | 30 | 8.9 | NPPES [2] |
| Optometry and ophthalmology | 27 | 8.0 | NPPES [2] |
| Dental specialties | 19 | 5.6 | NPPES [2] |
| Med spa and aesthetics | 18 | 5.3 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 18 | 5.3 | NPPES [2] |
| DME and HME suppliers | 17 | 5.0 | NPPES [2] |
| Behavioral and mental health group practices | 16 | 4.7 | NPPES [2] |
| Dermatology | 11 | 3.3 | NPPES [2] |
| Independent pharmacy | 10 | 3.0 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 9 | 2.7 | NPPES [2] |
| Home health | 8 | 2.4 | NPPES [2] |
| ABA and autism therapy | 7 | 2.1 | NPPES [2] |
| Audiology and hearing centers | 6 | 1.8 | NPPES [2] |
| SUD treatment and residential | 4 | 1.2 | NPPES [2] |
| Hormone, TRT, and men's health clinics | 4 | 1.2 | NPPES [2] |
| Podiatry | 3 | 0.9 | NPPES [2] |
| Plastic and cosmetic surgery | 3 | 0.9 | NPPES [2] |
| Sleep centers | 2 | 0.6 | NPPES [2] |
| Dialysis and infusion centers | 2 | 0.6 | NPPES [2] |
| Occupational health and drug testing | 2 | 0.6 | NPPES [2] |
| Urgent care | 1 | 0.3 | NPPES [2] |
| Pain management and interventional | 1 | 0.3 | NPPES [2] |
| Hospice and palliative | 1 | 0.3 | NPPES [2] |
| Clinical and toxicology labs | 1 | 0.3 | NPPES [2] |
| Telehealth and virtual clinics | 1 | 0.3 | NPPES [2] |
| Medical equipment suppliers | 13 | CMS [4] | |
| Hospice providers | 1 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] | |
| Home health agencies | 1 | CMS [4] |
Physical, occupational, and speech therapy carries 240 of the 663 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 Tompkins County
5 healthcare approvals sit in the county file, so an appraiser here works from a short comparable set
| What it measures | Value | How to read it |
|---|---|---|
| SBA healthcare approvals | 5 | Counted for the fiscal year the SBA publishes [5] |
| Approved dollars | $665,000 | Everything approved to healthcare borrowers, added up [5] |
| Average approval | $133,000 | The dollar column over the approval column [5] |
| Lending establishments in the county | 48 | Places that write credit locally, NAICS 522 [6] |
How this data lands in an underwriting decision
Density of 196.3 per 10,000 sets the patient draw a projection can claim without an argument. Tompkins County has 5 approvals to compare against, so plan for extra appraisal time and a conservative valuation. Household income of $48,617 in Ithaca is the number a lender uses to sanity check the self-pay share of a revenue projection.
Where a file from this town usually lands
- Practice acquisition
- Startup and de novo
- Working capital term loan
- Expansion, relocation, and build-out
- Equipment financing and leasing
The 29 fields practicing locally set this order. A funding partner, not this list, decides what is available in New York.
The first pages of a Ithaca file
Drawn from the fields that actually practice here: physical, occupational, and speech therapy, specialty physician groups, primary care and family medicine
| Field | What the file turns on | The capital event behind most requests |
|---|---|---|
| Physical, occupational, and speech therapy (240) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Specialty physician groups (82) | Ancillary revenue contribution, Provider productivity, Payer contracts | Ancillary build-out |
| Primary care and family medicine (63) | 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.
Ithaca against nearby New York markets
Comparables travel. These are the New York towns whose density, at 196.3 per 10,000 here, gets weighed beside this one.
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Ithaca (current) | 33,768 | 663 | 196.3 | |
| Cortland | 17,459 | 317 | 181.6 | 20 |
| Elmira | 26,255 | 503 | 191.6 | 29 |
| Endicott | 13,199 | 130 | 98.5 | 33 |
| Auburn | 25,963 | 303 | 116.7 | 34 |
| Corning | 10,605 | 175 | 165.0 | 35 |
| Binghamton | 46,773 | 541 | 115.7 | 38 |
Distance, income, and the wage floor around Ithaca
Distance to Ithaca, NY is 0 miles. Appraisers borrow Ithaca, NY rents, and the 33,768 residents set the ceiling on collections. At $48,617 median household income, the elective and cash-pay share of a projection is the line that gets tested first. The hospital fixes two inputs a lender would otherwise estimate in a 33,768 resident town: where referrals originate, and what staff cost. A degree-granting institution here moves volume on the academic calendar. Ithaca is the Tompkins County seat, so county employment steadies the payer mix.
Nearby New York towns
Questions from Ithaca
01How many providers practice in Ithaca, and in what?
NPPES lists 663 providers at a Ithaca practice address, 196.3 per 10,000 residents across 29 tracked fields. Physical, occupational, and speech therapy accounts for 240 of them, 36 percent of the total, with specialty physician groups next at 82. Read that as clinicians: 663 enumerations, not 663 owners.
02Which fields carry the volume in Ithaca?
The 29 enumerated fields are led by physical, occupational, and speech therapy at 240, with specialty physician groups at 82 behind it. Those two counts double as the competition you are entering and the bench you would hire from.
03What does Tompkins County's shortage designation change?
Designated for primary care, dental, mental health, Tompkins County qualifies its clinicians for federal repayment support. On a file that turns on adding staff, that is the difference between a hiring assumption and a hiring plan.
04Why does Tompkins County show so little SBA activity?
Tompkins County shows 5 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. 48 lending establishments operate locally.
05How does the hospital in Ithaca affect a practice file?
A Medicare-certified hospital operates in the town, which gives referral flow, a call schedule, and a clinical labor pool a funder can verify. 3 Medicare-certified providers are located here in total. It also sets the wage floor behind every hire in a 196.3 per 10,000 market.
06Is Ithaca underwritten as part of Ithaca, NY?
Partly. Ithaca, NY is 0 miles out, so rent and equipment comparables travel in from there while patients still come from the 33,768 residents around Ithaca. 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
- 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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