New York micro-market
Healthcare practice financing in Tarrytown, New York
Direct answer
Westchester County carries 27 SBA healthcare approvals worth $11,000,000, and inside Tarrytown the census shows 203 enumerated clinicians against 11,829 residents, 171.6 per 10,000, 37 percent of them in physical, occupational, and speech therapy. Kiryas Joel-Poughkeepsie-Newburgh, NY lies 25 miles away.
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- Population: 11,829 residents (10K-25K band)1
- Healthcare providers registered here: 203 across 26 fields2
- Median household income: $109,7323
- Largest provider field: Physical, occupational, and speech therapy: 75 registered providers2
- Medicare-certified providers in town: 2 across 1 categories4
- Nearest metro: Kiryas Joel-Poughkeepsie-Newburgh, NY, 25 miles1
Fields practicing inside Tarrytown
203 providers across 26 fields, 171.6 per 10,000 residents, counted at Tarrytown addresses in the NPPES monthly file
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| Physical, occupational, and speech therapy | 75 | 63.4 | NPPES [2] |
| Behavioral and mental health group practices | 15 | 12.7 | NPPES [2] |
| Specialty physician groups | 13 | 11.0 | NPPES [2] |
| Primary care and family medicine | 11 | 9.3 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 11 | 9.3 | NPPES [2] |
| Dental specialties | 10 | 8.5 | NPPES [2] |
| Optometry and ophthalmology | 10 | 8.5 | NPPES [2] |
| General dentistry | 9 | 7.6 | NPPES [2] |
| Dermatology | 8 | 6.8 | NPPES [2] |
| DME and HME suppliers | 6 | 5.1 | NPPES [2] |
| Audiology and hearing centers | 6 | 5.1 | NPPES [2] |
| Home health | 5 | 4.2 | NPPES [2] |
| Chiropractic | 4 | 3.4 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 3 | 2.5 | NPPES [2] |
| Hormone, TRT, and men's health clinics | 2 | 1.7 | NPPES [2] |
| Plastic and cosmetic surgery | 2 | 1.7 | NPPES [2] |
| Dialysis and infusion centers | 2 | 1.7 | NPPES [2] |
| Telehealth and virtual clinics | 2 | 1.7 | NPPES [2] |
| Occupational health and drug testing | 2 | 1.7 | NPPES [2] |
| Urgent care | 1 | 0.8 | NPPES [2] |
| Pain management and interventional | 1 | 0.8 | NPPES [2] |
| Independent pharmacy | 1 | 0.8 | NPPES [2] |
| ABA and autism therapy | 1 | 0.8 | NPPES [2] |
| Hospice and palliative | 1 | 0.8 | NPPES [2] |
| Med spa and aesthetics | 1 | 0.8 | NPPES [2] |
| Clinical and toxicology labs | 1 | 0.8 | NPPES [2] |
| Medical equipment suppliers | 3 | CMS [4] | |
| Dialysis facilities | 2 | CMS [4] |
Several of the 75 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 |
|---|---|---|
| Healthcare files approved | 27 | One published fiscal year, healthcare borrowers only [5] |
| Dollars behind them | $11,000,000 | Approved, not disbursed, and not net of withdrawals [5] |
| Typical approval size | $407,407 | A mean, so one large approval moves it [5] |
| Credit offices operating locally | 434 | Credit intermediation offices sited in the county [6] |
What the two tables above change about a file
A file from here opens on 171.6 providers per 10,000 residents, and everything about volume follows from it. 27 approvals worth $11,000,000 in Westchester County means the size you are asking for has a local precedent to point at. Household income of $109,732 in Tarrytown is the number a lender uses to sanity check the self-pay share of a revenue projection.
The programs this provider mix points at
- Practice acquisition
- Startup and de novo
- Working capital term loan
- Expansion, relocation, and build-out
- Equipment financing and leasing
Built from what is enumerated here rather than from a national list, so a field with no presence in Tarrytown does not appear. Availability is still a New York question.
Underwriting by field in Tarrytown
physical, occupational, and speech therapy, behavioral and mental health group practices, specialty physician groups account for most of what is enumerated in Tarrytown, so those are the files funders see from this town
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| Physical, occupational, and speech therapy (75) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Behavioral and mental health group practices (15) | Clinician retention and productivity, Payer mix and Medicaid concentration, Re-authorization and session limit exposure | Working capital through the credentialing lag |
| Specialty physician groups (13) | Ancillary revenue contribution, Provider productivity, Payer contracts | Ancillary build-out |
NPPES supplies the Tarrytown counts. The reading columns describe the field in general, and no partner reviewing a Tarrytown file is bound by them.
Tarrytown against nearby New York markets
Set Tarrytown's 171.6 per 10,000 against the towns an appraiser would reach for next
| Comparable | People | Enumerations | Per 10,000 residents | Miles |
|---|---|---|---|---|
| Tarrytown (current) | 11,829 | 203 | 171.6 | |
| Sleepy Hollow | 11,427 | 141 | 123.4 | 2 |
| Dobbs Ferry | 11,513 | 158 | 137.2 | 4 |
| Ossining | 26,895 | 164 | 61.0 | 6 |
| Scarsdale | 18,036 | 523 | 290.0 | 7 |
| Harrison | 31,321 | 258 | 82.4 | 8 |
| Haverstraw | 12,445 | 41 | 32.9 | 9 |
What the geography does to a Tarrytown projection
Kiryas Joel-Poughkeepsie-Newburgh, NY lies 25 miles from Tarrytown, close enough that appraisers price the lease against Kiryas Joel-Poughkeepsie-Newburgh, NY rents while 11,829 residents set the revenue ceiling. At $109,732 median household income, the elective and cash-pay share of a projection is the line that gets tested first. No hospital operates here, so the referral sources and the call arrangement have to be named rather than assumed.
Other New York markets
- Sleepy Hollow 11,427 residents
- Dobbs Ferry 11,513 residents
- Ossining 26,895 residents
- Scarsdale 18,036 residents
- Harrison 31,321 residents
- Haverstraw 12,445 residents
What owners in Tarrytown ask
01How many providers practice in Tarrytown, and in what?
Across 26 fields, Tarrytown carries 203 enumerated clinicians, 171.6 per 10,000 of the 11,829 people living here. The concentration is in physical, occupational, and speech therapy, 75 of the total, then behavioral and mental health group practices at 15. Count practices from that only with care.
02What does a $109,732 median income mean for case acceptance?
Median household income in Tarrytown runs $109,732. 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.
03What does Westchester County's shortage designation change?
Westchester County holds a HRSA designation covering primary care, dental, mental health. A pro forma for Tarrytown can cite it as the reason a vacancy is fillable, which is usually the weakest line in a ramp schedule.
04Which fields carry the volume in Tarrytown?
Volume concentrates in physical, occupational, and speech therapy, 75 of them, ahead of behavioral and mental health group practices at 15, across 26 fields. A thin second field usually means a longer search for staff than a pro forma allows for.
05What does SBA lending look like around Tarrytown?
The county file behind Tarrytown 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.
06Is Tarrytown underwritten as part of Kiryas Joel-Poughkeepsie-Newburgh, NY?
Comparables and demand split at 25 miles. An appraiser prices the lease and the equipment off Kiryas Joel-Poughkeepsie-Newburgh, NY; the revenue line has to hold up against 11,829 local residents.
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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