North Carolina micro-market
Healthcare practice financing in Clayton, North Carolina
Direct answer
416 healthcare providers hold a Clayton practice address, 131.1 per 10,000 of its 31,732 residents, 33 percent of them in physical, occupational, and speech therapy. Johnston County recorded 1 SBA healthcare approvals worth $400,000, and Raleigh-Cary, NC sits 16 miles out.
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 North Carolina, and how many partners see it, is set out on the North Carolina page.
- Population: 31,732 residents (25K-50K band)1
- Healthcare providers registered here: 416 across 31 fields2
- Median household income: $73,3483
- Largest provider field: Physical, occupational, and speech therapy: 138 registered providers2
- Medicare-certified providers in town: 3 across 2 categories4
- Nearest metro: Raleigh-Cary, NC, 16 miles1
Fields practicing inside Clayton
131.1 providers per 10,000 residents is what 416 enumerations across 31 fields works out to in a town of 31,732
| Practice type | Count | Rate per 10,000 residents | Published by |
|---|---|---|---|
| Physical, occupational, and speech therapy | 138 | 43.5 | NPPES [2] |
| General dentistry | 42 | 13.2 | NPPES [2] |
| Chiropractic | 29 | 9.1 | NPPES [2] |
| Primary care and family medicine | 29 | 9.1 | NPPES [2] |
| ABA and autism therapy | 17 | 5.4 | NPPES [2] |
| DME and HME suppliers | 15 | 4.7 | NPPES [2] |
| Non-medical home care | 15 | 4.7 | NPPES [2] |
| Optometry and ophthalmology | 14 | 4.4 | NPPES [2] |
| Specialty physician groups | 13 | 4.1 | NPPES [2] |
| Home health | 12 | 3.8 | NPPES [2] |
| Dental specialties | 12 | 3.8 | NPPES [2] |
| Clinical and toxicology labs | 12 | 3.8 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 12 | 3.8 | NPPES [2] |
| Independent pharmacy | 11 | 3.5 | NPPES [2] |
| Behavioral and mental health group practices | 11 | 3.5 | NPPES [2] |
| Audiology and hearing centers | 6 | 1.9 | NPPES [2] |
| ASCs and OBLs | 4 | 1.3 | NPPES [2] |
| Med spa and aesthetics | 3 | 0.9 | NPPES [2] |
| Occupational health and drug testing | 3 | 0.9 | NPPES [2] |
| Podiatry | 2 | 0.6 | NPPES [2] |
| Dermatology | 2 | 0.6 | NPPES [2] |
| NEMT and ambulance | 2 | 0.6 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 2 | 0.6 | NPPES [2] |
| Dialysis and infusion centers | 2 | 0.6 | NPPES [2] |
| Telehealth and virtual clinics | 2 | 0.6 | NPPES [2] |
| Urgent care | 1 | 0.3 | NPPES [2] |
| SUD treatment and residential | 1 | 0.3 | NPPES [2] |
| Imaging centers | 1 | 0.3 | NPPES [2] |
| Pain management and interventional | 1 | 0.3 | NPPES [2] |
| Clinical research sites | 1 | 0.3 | NPPES [2] |
| Hormone, TRT, and men's health clinics | 1 | 0.3 | NPPES [2] |
| Medical equipment suppliers | 12 | CMS [4] | |
| Dialysis facilities | 2 | CMS [4] | |
| Ambulatory surgical centers | 1 | CMS [4] |
Several of the 138 physical, occupational, and speech therapy enumerations can belong to one practice, so the column counts clinicians rather than businesses or owners
The lending record behind Clayton
The county file holds 1 healthcare approvals, which is a thin comparable set for anyone pricing collateral
| Measure | Published figure | What sits behind it |
|---|---|---|
| Healthcare files approved | 1 | Counted for the fiscal year the SBA publishes [5] |
| Dollars behind them | $400,000 | Everything approved to healthcare borrowers, added up [5] |
| Typical approval size | $400,000 | The dollar column over the approval column [5] |
| Credit offices operating locally | 82 | Places that write credit locally, NAICS 522 [6] |
How this data lands in an underwriting decision
Underwriting starts with 131.1 providers per 10,000 residents, because that ratio caps how fast a chair or a room fills. Johnston County has 1 approvals to compare against, so plan for extra appraisal time and a conservative valuation. Household income of $73,348 in Clayton 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
- Equipment financing and leasing
- Expansion, relocation, and build-out
Ranked from the 31 fields that actually practice in Clayton, weighted toward physical, occupational, and speech therapy. Availability still depends on North Carolina and on the funding partner.
The first pages of a Clayton file
Drawn from the fields that actually practice here: physical, occupational, and speech therapy, general dentistry, chiropractic
| Practice type | The pages that decide it | Typical capital event |
|---|---|---|
| Physical, occupational, and speech therapy (138) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| General dentistry (42) | Three years of collections history, Hygiene as a share of collections, Overhead ratio and owner add-backs | Acquisition of an established practice |
| Chiropractic (29) | Cash plan revenue, Personal injury receivable age, Visit volume | Startup or acquisition |
NPPES supplies the Clayton counts. The reading columns describe the field in general, and no partner reviewing a Clayton file is bound by them.
Clayton against nearby North Carolina markets
The neighboring markets below are the ones a valuation borrows from when Clayton has too few sales of its own
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Clayton (current) | 31,732 | 416 | 131.1 | |
| Garner | 39,345 | 437 | 111.1 | 10 |
| Knightdale | 21,829 | 264 | 120.9 | 10 |
| Smithfield | 12,806 | 413 | 322.5 | 11 |
| Wendell | 16,845 | 78 | 46.3 | 11 |
| Zebulon | 10,505 | 113 | 107.6 | 14 |
| Rolesville | 11,854 | 51 | 43.0 | 18 |
Distance, income, and the wage floor around Clayton
Raleigh-Cary, NC lies 16 miles from Clayton, close enough that appraisers price the lease against Raleigh-Cary, NC rents while 31,732 residents set the revenue ceiling. At $73,348 median household income, the elective and cash-pay share of a projection is the line that gets tested first. Referral flow comes from outside Clayton, which a projection needs to state plainly.
More of North Carolina
- Garner 39,345 residents
- Knightdale 21,829 residents
- Smithfield 12,806 residents
- Wendell 16,845 residents
- Zebulon 10,505 residents
- Rolesville 11,854 residents
Questions from Clayton
01How many providers practice in Clayton, and in what?
Across 31 fields, Clayton carries 416 enumerated clinicians, 131.1 per 10,000 of the 31,732 people living here. The concentration is in physical, occupational, and speech therapy, 138 of the total, then general dentistry at 42. Count practices from that only with care.
02What does Johnston County's shortage designation change?
HRSA designates Johnston County for primary care, dental, mental health. That opens loan repayment programs for clinicians recruited into Clayton and evidences a staffing ramp in a 31,732 resident market.
03Why does Johnston County show so little SBA activity?
Johnston County shows 1 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. 82 lending establishments operate locally.
04Which fields carry the volume in Clayton?
The 31 enumerated fields are led by physical, occupational, and speech therapy at 138, with general dentistry at 42 behind it. Those two counts double as the competition you are entering and the bench you would hire from.
05Is Clayton underwritten as part of Raleigh-Cary, NC?
Raleigh-Cary, NC sits 16 miles away, close enough that appraisers reach into that market for rent and resale comparables while your patient draw stays local. The comparables read Raleigh-Cary, NC; the 31,732 residents set the ceiling a projection can defend.
06Is there local lending capacity in Johnston County?
County Business Patterns records 82 credit intermediation establishments in Johnston County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Clayton 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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