New York micro-market
Healthcare practice financing in Rye, New York
Direct answer
Westchester County carries 27 SBA healthcare approvals worth $11,000,000, and inside Rye the census shows 170 enumerated clinicians against 16,463 residents, 103.3 per 10,000, 32 percent of them in physical, occupational, and speech therapy. New York-Newark-Jersey City, NY-NJ lies 24 miles away.
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- Population: 16,463 residents (10K-25K band)1
- Healthcare providers registered here: 170 across 19 fields2
- Median household income: $237,7273
- Largest provider field: Physical, occupational, and speech therapy: 54 registered providers2
- Medicare-certified providers in town: 1 across 1 categories4
- Nearest metro: New York-Newark-Jersey City, NY-NJ, 24 miles1
Who is enumerated in Rye
Counted at the town's own addresses: 170 providers, 19 fields, 103.3 clinicians per 10,000 of the 16,463 residents here
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Physical, occupational, and speech therapy | 54 | 32.8 | NPPES [2] |
| Specialty physician groups | 17 | 10.3 | NPPES [2] |
| Optometry and ophthalmology | 16 | 9.7 | NPPES [2] |
| Dermatology | 14 | 8.5 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 12 | 7.3 | NPPES [2] |
| Dental specialties | 11 | 6.7 | NPPES [2] |
| General dentistry | 9 | 5.5 | NPPES [2] |
| Chiropractic | 8 | 4.9 | NPPES [2] |
| Primary care and family medicine | 7 | 4.3 | NPPES [2] |
| DME and HME suppliers | 3 | 1.8 | NPPES [2] |
| ASCs and OBLs | 3 | 1.8 | NPPES [2] |
| Independent pharmacy | 3 | 1.8 | NPPES [2] |
| Behavioral and mental health group practices | 3 | 1.8 | NPPES [2] |
| Telehealth and virtual clinics | 3 | 1.8 | NPPES [2] |
| Audiology and hearing centers | 2 | 1.2 | NPPES [2] |
| Med spa and aesthetics | 2 | 1.2 | NPPES [2] |
| Home health | 1 | 0.6 | NPPES [2] |
| Sleep centers | 1 | 0.6 | NPPES [2] |
| ABA and autism therapy | 1 | 0.6 | NPPES [2] |
| Medical equipment suppliers | 2 | CMS [4] | |
| Ambulatory surgical centers | 1 | CMS [4] |
A single Rye practice can hold more than one of these numbers. 32 percent sit in physical, occupational, and speech therapy, counted as clinicians rather than as owners.
Loan activity in Westchester County
The published file shows 27 healthcare approvals in Westchester County, $11,000,000 in total, and that history is what an appraiser and a credit committee reach for
| Line | Amount | Reading and source |
|---|---|---|
| SBA healthcare approvals | 27 | One published fiscal year, healthcare borrowers only [5] |
| Approved dollars | $11,000,000 | Approved, not disbursed, and not net of withdrawals [5] |
| Average approval | $407,407 | A mean, so one large approval moves it [5] |
| Lending establishments in the county | 434 | Credit intermediation offices sited in the county [6] |
How this data lands in an underwriting decision
The ratio that matters up front is 103.3 per 10,000, which decides whether a ramp schedule reads as conservative. A request measured against 27 prior Westchester County approvals is priced on precedent, which shortens the questions about valuation. With $237,727 as the median household income, the payer mix in a projection has to match what Rye households actually spend.
Programs the Rye mix reaches for
- Practice acquisition
- Startup and de novo
- Equipment financing and leasing
- Working capital term loan
- Expansion, relocation, and build-out
Built from what is enumerated here rather than from a national list, so a field with no presence in Rye does not appear. Availability is still a New York question.
The first pages of a Rye file
What a funder opens first depends on the field. In Rye that means physical, occupational, and speech therapy, specialty physician groups, optometry and ophthalmology.
| Practice type | The pages that decide it | Typical capital event |
|---|---|---|
| Physical, occupational, and speech therapy (54) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Specialty physician groups (17) | Ancillary revenue contribution, Provider productivity, Payer contracts | Ancillary build-out |
| Optometry and ophthalmology (16) | Exam volume and optical capture, Vision plan mix, Inventory turns | Cold start or acquisition |
The first column is Rye's own NPPES count. The rest is how the field is generally underwritten, whether the address is Rye or anywhere else.
Density beside the neighboring New York towns
Set Rye's 103.3 per 10,000 against the towns an appraiser would reach for next
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Rye (current) | 16,463 | 170 | 103.3 | |
| Mamaroneck | 19,783 | 228 | 115.3 | 2 |
| Port Chester | 30,957 | 118 | 38.1 | 4 |
| New Rochelle | 85,512 | 613 | 71.7 | 5 |
| Glen Cove | 28,088 | 321 | 114.3 | 5 |
| Harrison | 31,321 | 258 | 82.4 | 6 |
| Scarsdale | 18,036 | 523 | 290.0 | 6 |
How Rye sits against the nearest metro
Distance to New York-Newark-Jersey City, NY-NJ is 24 miles. Appraisers borrow New York-Newark-Jersey City, NY-NJ rents, and the 16,463 residents set the ceiling on collections. Households here carry $237,727 in median income, and that ceiling decides how much of a treatment plan gets started rather than deferred. Referral flow comes from outside Rye, which a projection needs to state plainly.
Other New York markets
- Mamaroneck 19,783 residents
- Port Chester 30,957 residents
- New Rochelle 85,512 residents
- Glen Cove 28,088 residents
- Harrison 31,321 residents
- Scarsdale 18,036 residents
Questions from Rye
01How many providers practice in Rye, and in what?
170 enumerations sit at Rye addresses in the monthly NPPES file, working out to 103.3 for every 10,000 residents. 32 percent of them are physical, occupational, and speech therapy, and specialty physician groups follows with 17. An enumeration is a clinician, so the 170 here cover fewer than 170 practices.
02What does Westchester County's shortage designation change?
HRSA designates Westchester County for primary care, dental, mental health. That opens loan repayment programs for clinicians recruited into Rye and evidences a staffing ramp in a 16,463 resident market.
03What does SBA lending look like around Rye?
Healthcare borrowers in Westchester County took 27 approvals worth $11,000,000 in the published fiscal year, averaging $407,407. That is the comparable set an appraiser near Rye reaches for first.
04Is Rye underwritten as part of New York-Newark-Jersey City, NY-NJ?
New York-Newark-Jersey City, NY-NJ sits 24 miles away, close enough that appraisers reach into that market for rent and resale comparables while your patient draw stays local. The comparables read New York-Newark-Jersey City, NY-NJ; the 16,463 residents set the ceiling a projection can defend.
05What does a $237,727 median income mean for case acceptance?
Median household income in Rye runs $237,727. 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.
06Is there local lending capacity in Westchester County?
County Business Patterns records 434 credit intermediation establishments in Westchester County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Rye 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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