North Carolina micro-market
Healthcare practice financing in Zebulon, North Carolina
Direct answer
113 healthcare providers hold a Zebulon practice address, 107.6 per 10,000 of its 10,505 residents, 19 percent of them in physical, occupational, and speech therapy. Wake County recorded 30 SBA healthcare approvals worth $17,249,800, and Raleigh-Cary, NC sits 18 miles out.
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- Population: 10,505 residents (10K-25K band)1
- Healthcare providers registered here: 113 across 20 fields2
- Median household income: $58,9403
- Largest provider field: Physical, occupational, and speech therapy: 21 registered providers2
- Medicare-certified providers in town: 1 across 1 categories4
- Nearest metro: Raleigh-Cary, NC, 18 miles1
The clinical base a lender can verify here
107.6 providers per 10,000 residents is what 113 enumerations across 20 fields works out to in a town of 10,505
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Physical, occupational, and speech therapy | 21 | 20.0 | NPPES [2] |
| Primary care and family medicine | 13 | 12.4 | NPPES [2] |
| General dentistry | 11 | 10.5 | NPPES [2] |
| Non-medical home care | 8 | 7.6 | NPPES [2] |
| Home health | 7 | 6.7 | NPPES [2] |
| Independent pharmacy | 7 | 6.7 | NPPES [2] |
| ABA and autism therapy | 7 | 6.7 | NPPES [2] |
| Optometry and ophthalmology | 7 | 6.7 | NPPES [2] |
| Behavioral and mental health group practices | 6 | 5.7 | NPPES [2] |
| Dental specialties | 5 | 4.8 | NPPES [2] |
| DME and HME suppliers | 4 | 3.8 | NPPES [2] |
| Specialty physician groups | 4 | 3.8 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 4 | 3.8 | NPPES [2] |
| Chiropractic | 2 | 1.9 | NPPES [2] |
| Clinical and toxicology labs | 2 | 1.9 | NPPES [2] |
| Urgent care | 1 | 1.0 | NPPES [2] |
| Audiology and hearing centers | 1 | 1.0 | NPPES [2] |
| Med spa and aesthetics | 1 | 1.0 | NPPES [2] |
| Dialysis and infusion centers | 1 | 1.0 | NPPES [2] |
| Telehealth and virtual clinics | 1 | 1.0 | NPPES [2] |
| Medical equipment suppliers | 4 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] |
Several of the 21 physical, occupational, and speech therapy enumerations can belong to one practice, so the column counts clinicians rather than businesses or owners
What Wake County credit files already show
Lenders in Wake County have already closed 30 healthcare approvals, averaging $574,993, which is the size a new file gets read beside
| Measure | Published figure | What sits behind it |
|---|---|---|
| SBA healthcare approvals | 30 | Counted for the fiscal year the SBA publishes [5] |
| Approved dollars | $17,249,800 | Everything approved to healthcare borrowers, added up [5] |
| Average approval | $574,993 | The dollar column over the approval column [5] |
| Lending establishments in the county | 647 | Places that write credit locally, NAICS 522 [6] |
What the two tables above change about a file
107.6 per 10,000 is the first number a credit analyst converts into a realistic new-patient count. 30 approvals worth $17,249,800 in Wake County means the size you are asking for has a local precedent to point at. A $58,940 median household income here sets the ceiling on what an elective or cash-pay line can be expected to carry.
The programs this provider mix points at
- Practice acquisition
- Startup and de novo
- Expansion, relocation, and build-out
- Working capital term loan
- Medical receivables factoring
Built from what is enumerated here rather than from a national list, so a field with no presence in Zebulon does not appear. Availability is still a North Carolina question.
Underwriting by field in Zebulon
What a funder opens first depends on the field. In Zebulon that means physical, occupational, and speech therapy, primary care and family medicine, general dentistry.
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| Physical, occupational, and speech therapy (21) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Primary care and family medicine (13) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| General dentistry (11) | 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 Zebulon providers from NPPES. The other two columns describe how funders read that field across markets like Zebulon, not what any funder will do with your file.
Zebulon against nearby North Carolina markets
Set Zebulon's 107.6 per 10,000 against the towns an appraiser would reach for next
| Comparable | People | Enumerations | Per 10,000 residents | Miles |
|---|---|---|---|---|
| Zebulon (current) | 10,505 | 113 | 107.6 | |
| Wendell | 16,845 | 78 | 46.3 | 3 |
| Rolesville | 11,854 | 51 | 43.0 | 10 |
| Knightdale | 21,829 | 264 | 120.9 | 11 |
| Clayton | 31,732 | 416 | 131.1 | 14 |
| Wake Forest | 56,764 | 620 | 109.2 | 14 |
| Garner | 39,345 | 437 | 111.1 | 19 |
How Zebulon sits against the nearest metro
Distance to Raleigh-Cary, NC is 18 miles. Appraisers borrow Raleigh-Cary, NC rents, and the 10,505 residents set the ceiling on collections. At $58,940 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.
Nearby North Carolina towns
- Wendell 16,845 residents
- Rolesville 11,854 residents
- Knightdale 21,829 residents
- Clayton 31,732 residents
- Wake Forest 56,764 residents
- Garner 39,345 residents
What owners in Zebulon ask
01How many providers practice in Zebulon, and in what?
Across 20 fields, Zebulon carries 113 enumerated clinicians, 107.6 per 10,000 of the 10,505 people living here. The concentration is in physical, occupational, and speech therapy, 21 of the total, then primary care and family medicine at 13. Count practices from that only with care.
02What does SBA lending look like around Zebulon?
$17,249,800 went to healthcare borrowers in Wake County across 30 approvals, $574,993 on average. Deals near Zebulon get sized against that record before anything else.
03Is Zebulon underwritten as part of Raleigh-Cary, NC?
Comparables and demand split at 18 miles. An appraiser prices the lease and the equipment off Raleigh-Cary, NC; the revenue line has to hold up against 10,505 local residents.
04What does Wake County's shortage designation change?
Wake County holds a HRSA designation covering primary care, dental, mental health. A pro forma for Zebulon can cite it as the reason a vacancy is fillable, which is usually the weakest line in a ramp schedule.
05Is there local lending capacity in Wake County?
County Business Patterns records 647 credit intermediation establishments in Wake County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Zebulon rents and resale before or by somebody working from a screen.
06What does a $58,940 median income mean for case acceptance?
Median household income in Zebulon runs $58,940. 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.
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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