New York micro-market
Healthcare practice financing in Jamestown, New York
Direct answer
A Jamestown file is read against 337 local clinicians, 121.7 for every 10,000 of its 27,699 residents, 39 percent of them in physical, occupational, and speech therapy, plus the 0 SBA healthcare approvals worth $0 already recorded in Chautauqua County, 43 miles from Erie, PA.
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: 27,699 residents (25K-50K band)1
- Healthcare providers registered here: 337 across 25 fields2
- Median household income: $44,8783
- Largest provider field: Physical, occupational, and speech therapy: 131 registered providers2
- Medicare-certified providers in town: 1 across 1 categories4
- Nearest metro: Erie, PA, 43 miles1
Who is enumerated in Jamestown
Counted at the town's own addresses: 337 providers, 25 fields, 121.7 clinicians per 10,000 of the 27,699 residents here
| Practice type | Count | Rate per 10,000 residents | Published by |
|---|---|---|---|
| Physical, occupational, and speech therapy | 131 | 47.3 | NPPES [2] |
| Primary care and family medicine | 31 | 11.2 | NPPES [2] |
| Specialty physician groups | 30 | 10.8 | NPPES [2] |
| Optometry and ophthalmology | 22 | 7.9 | NPPES [2] |
| Chiropractic | 17 | 6.1 | NPPES [2] |
| DME and HME suppliers | 15 | 5.4 | NPPES [2] |
| General dentistry | 15 | 5.4 | NPPES [2] |
| Behavioral and mental health group practices | 14 | 5.1 | NPPES [2] |
| Audiology and hearing centers | 8 | 2.9 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 8 | 2.9 | NPPES [2] |
| Independent pharmacy | 7 | 2.5 | NPPES [2] |
| Dental specialties | 6 | 2.2 | NPPES [2] |
| Med spa and aesthetics | 6 | 2.2 | NPPES [2] |
| Home health | 5 | 1.8 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 5 | 1.8 | NPPES [2] |
| NEMT and ambulance | 3 | 1.1 | NPPES [2] |
| Occupational health and drug testing | 3 | 1.1 | NPPES [2] |
| Dermatology | 2 | 0.7 | NPPES [2] |
| Non-medical home care | 2 | 0.7 | NPPES [2] |
| ABA and autism therapy | 2 | 0.7 | NPPES [2] |
| Urgent care | 1 | 0.4 | NPPES [2] |
| Sleep centers | 1 | 0.4 | NPPES [2] |
| Imaging centers | 1 | 0.4 | NPPES [2] |
| Clinical research sites | 1 | 0.4 | NPPES [2] |
| Dialysis and infusion centers | 1 | 0.4 | NPPES [2] |
| Medical equipment suppliers | 13 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] |
Physical, occupational, and speech therapy carries 131 of the 337 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 Chautauqua County
0 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 | 0 | Counted for the fiscal year the SBA publishes [5] |
| Dollars behind them | $0 | Everything approved to healthcare borrowers, added up [5] |
| Typical approval size | No approvals recorded | The dollar column over the approval column [5] |
| Credit offices operating locally | 66 | Places that write credit locally, NAICS 522 [6] |
How this data lands in an underwriting decision
At 121.7 clinicians per 10,000 residents, the catchment radius in a projection has to be defended rather than assumed. With 0 approvals on record in Chautauqua County, expect a longer appraisal and a wider collateral discount. With $44,878 as the median household income, the payer mix in a projection has to match what Jamestown households actually spend.
Where a file from this town usually lands
- Practice acquisition
- Startup and de novo
- Working capital term loan
- Equipment financing and leasing
- Expansion, relocation, and build-out
The order comes from Jamestown'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.
What a funder reads first in Jamestown
Drawn from the fields that actually practice here: physical, occupational, and speech therapy, primary care and family medicine, specialty physician groups
| Practice type | The pages that decide it | Typical capital event |
|---|---|---|
| Physical, occupational, and speech therapy (131) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Primary care and family medicine (31) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| Specialty physician groups (30) | Ancillary revenue contribution, Provider productivity, Payer contracts | Ancillary build-out |
NPPES supplies the Jamestown counts. The reading columns describe the field in general, and no partner reviewing a Jamestown file is bound by them.
How Jamestown prices against its neighbors
Set Jamestown's 121.7 per 10,000 against the towns an appraiser would reach for next
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Jamestown (current) | 27,699 | 337 | 121.7 | |
| Dunkirk | 12,379 | 128 | 103.4 | 27 |
| Olean | 13,614 | 259 | 190.2 | 41 |
| Lackawanna | 19,629 | 102 | 52.0 | 54 |
| Depew | 14,910 | 241 | 161.6 | 62 |
| Kenmore | 14,936 | 479 | 320.7 | 63 |
| Lancaster | 10,094 | 124 | 122.8 | 63 |
Distance, income, and the wage floor around Jamestown
Erie, PA lies 43 miles from Jamestown, close enough for rent comparables to travel and far enough that patient draw does not. Median household income runs $44,878, which is the number a funder converts into case acceptance on anything elective or cash-pay. Wages here are anchored by the Medicare-certified hospital in town, which is what a staffing line gets measured against. A college in Jamestown puts a term-shaped curve into monthly collections.
More of New York
Jamestown owners, answered
01How many providers practice in Jamestown, and in what?
Across 25 fields, Jamestown carries 337 enumerated clinicians, 121.7 per 10,000 of the 27,699 people living here. The concentration is in physical, occupational, and speech therapy, 131 of the total, then primary care and family medicine at 31. Count practices from that only with care.
02What does Chautauqua County's shortage designation change?
Designated for primary care, dental, mental health, Chautauqua 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.
03Why does Chautauqua County show so little SBA activity?
Chautauqua County shows 0 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. 66 lending establishments operate locally.
04How does the hospital in Jamestown 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. 1 Medicare-certified providers are located here in total. It also sets the wage floor behind every hire in a 121.7 per 10,000 market.
05Is Jamestown underwritten as part of Erie, PA?
Erie, PA sits 43 miles away, close enough that appraisers reach into that market for rent and resale comparables while your patient draw stays local. The comparables read Erie, PA; the 27,699 residents set the ceiling a projection can defend.
06Is there local lending capacity in Chautauqua County?
County Business Patterns records 66 credit intermediation establishments in Chautauqua County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Jamestown rents and resale before or by somebody working from a screen.
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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