North Carolina micro-market
Healthcare practice financing in Harrisburg, North Carolina
Direct answer
166 healthcare providers hold a Harrisburg practice address, 81.6 per 10,000 of its 20,335 residents, 27 percent of them in physical, occupational, and speech therapy. Cabarrus County recorded 5 SBA healthcare approvals worth $2,105,800, and Charlotte-Concord-Gastonia, NC-SC sits 13 miles out.
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- Population: 20,335 residents (10K-25K band)1
- Healthcare providers registered here: 166 across 19 fields2
- Median household income: $143,3933
- Largest provider field: Physical, occupational, and speech therapy: 45 registered providers2
- Nearest metro: Charlotte-Concord-Gastonia, NC-SC, 13 miles1
- SBA healthcare approvals in the county: 5 approvals totaling $2,105,8004
The clinical base a lender can verify here
81.6 providers per 10,000 residents is what 166 enumerations across 19 fields works out to in a town of 20,335
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| Physical, occupational, and speech therapy | 45 | 22.1 | NPPES [2] |
| Primary care and family medicine | 29 | 14.3 | NPPES [2] |
| General dentistry | 19 | 9.3 | NPPES [2] |
| Chiropractic | 11 | 5.4 | NPPES [2] |
| Dental specialties | 11 | 5.4 | NPPES [2] |
| Behavioral and mental health group practices | 7 | 3.4 | NPPES [2] |
| Independent pharmacy | 6 | 3.0 | NPPES [2] |
| Specialty physician groups | 6 | 3.0 | NPPES [2] |
| Optometry and ophthalmology | 6 | 3.0 | NPPES [2] |
| Home health | 5 | 2.5 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 5 | 2.5 | NPPES [2] |
| DME and HME suppliers | 4 | 2.0 | NPPES [2] |
| Non-medical home care | 4 | 2.0 | NPPES [2] |
| Podiatry | 2 | 1.0 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 2 | 1.0 | NPPES [2] |
| IDD services | 1 | 0.5 | NPPES [2] |
| SUD treatment and residential | 1 | 0.5 | NPPES [2] |
| ABA and autism therapy | 1 | 0.5 | NPPES [2] |
| Hormone, TRT, and men's health clinics | 1 | 0.5 | NPPES [2] |
| Medical equipment suppliers | 5 | CMS [5] |
Physical, occupational, and speech therapy carries 45 of the 166 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
Loan activity in Cabarrus County
5 healthcare approvals sit in the county file, so an appraiser here works from a short comparable set
| Line | Amount | Reading and source |
|---|---|---|
| SBA healthcare approvals | 5 | Counted for the fiscal year the SBA publishes [4] |
| Approved dollars | $2,105,800 | Everything approved to healthcare borrowers, added up [4] |
| Average approval | $421,160 | The dollar column over the approval column [4] |
| Lending establishments in the county | 81 | Places that write credit locally, NAICS 522 [6] |
The consequence of these numbers
81.6 per 10,000 is the first number a credit analyst converts into a realistic new-patient count. With 5 approvals on record in Cabarrus County, expect a longer appraisal and a wider collateral discount. With $143,393 as the median household income, the payer mix in a projection has to match what Harrisburg households actually spend.
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
Built from what is enumerated here rather than from a national list, so a field with no presence in Harrisburg does not appear. Availability is still a North Carolina question.
What a funder reads first in Harrisburg
physical, occupational, and speech therapy, primary care and family medicine, general dentistry account for most of what is enumerated in Harrisburg, so those are the files funders see from this town
| Practice type | The pages that decide it | Typical capital event |
|---|---|---|
| Physical, occupational, and speech therapy (45) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Primary care and family medicine (29) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| General dentistry (19) | Three years of collections history, Hygiene as a share of collections, Overhead ratio and owner add-backs | Acquisition of an established practice |
Counts in the first column are Harrisburg providers from NPPES. The other two columns describe how funders read that field across markets like Harrisburg, not what any funder will do with your file.
How Harrisburg prices against its neighbors
The neighboring markets below are the ones a valuation borrows from when Harrisburg has too few sales of its own
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Harrisburg (current) | 20,335 | 166 | 81.6 | |
| Mint Hill | 28,825 | 178 | 61.8 | 9 |
| Kannapolis | 60,521 | 307 | 50.7 | 12 |
| Matthews | 32,048 | 776 | 242.1 | 13 |
| Huntersville | 67,087 | 802 | 119.5 | 14 |
| Davidson | 16,276 | 132 | 81.1 | 15 |
| Indian Trail | 43,867 | 235 | 53.6 | 16 |
How Harrisburg sits against the nearest metro
Distance to Charlotte-Concord-Gastonia, NC-SC is 13 miles. Appraisers borrow Charlotte-Concord-Gastonia, NC-SC rents, and the 20,335 residents set the ceiling on collections. Median household income runs $143,393, which is the number a funder converts into case acceptance on anything elective or cash-pay. Referral flow comes from outside Harrisburg, which a projection needs to state plainly.
More of North Carolina
- Mint Hill 28,825 residents
- Kannapolis 60,521 residents
- Matthews 32,048 residents
- Huntersville 67,087 residents
- Davidson 16,276 residents
- Indian Trail 43,867 residents
Harrisburg owners, answered
01How many providers practice in Harrisburg, and in what?
Across 19 fields, Harrisburg carries 166 enumerated clinicians, 81.6 per 10,000 of the 20,335 people living here. The concentration is in physical, occupational, and speech therapy, 45 of the total, then primary care and family medicine at 29. Count practices from that only with care.
02What does Cabarrus County's shortage designation change?
Designated for primary care, dental, mental health, Cabarrus 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 Cabarrus County show so little SBA activity?
Cabarrus 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. 81 lending establishments operate locally.
04Is Harrisburg underwritten as part of Charlotte-Concord-Gastonia, NC-SC?
Comparables and demand split at 13 miles. An appraiser prices the lease and the equipment off Charlotte-Concord-Gastonia, NC-SC; the revenue line has to hold up against 20,335 local residents.
05What does a $143,393 median income mean for case acceptance?
Median household income in Harrisburg runs $143,393. 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 Cabarrus County?
County Business Patterns records 81 credit intermediation establishments in Cabarrus County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Harrisburg 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
- 4U.S. Small Business Administration, 7(a) and 504 approvals
- 5CMS Care Compare provider datasets
- 6U.S. Census Bureau, County Business Patterns 2022
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