Pennsylvania micro-market
Healthcare practice financing in Berwick, Pennsylvania
Direct answer
104 healthcare providers hold a Berwick practice address, 100.7 per 10,000 of its 10,332 residents, 17 percent of them in physical, occupational, and speech therapy. Columbia County recorded 1 SBA healthcare approvals worth $57,000, and Scranton--Wilkes-Barre, PA sits 39 miles out.
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- Population: 10,332 residents (10K-25K band)1
- Healthcare providers registered here: 104 across 19 fields2
- Median household income: $45,3383
- Largest provider field: Physical, occupational, and speech therapy: 18 registered providers2
- Medicare-certified providers in town: 2 across 2 categories4
- Nearest metro: Scranton--Wilkes-Barre, PA, 39 miles1
Fields practicing inside Berwick
Counted at the town's own addresses: 104 providers, 19 fields, 100.7 clinicians per 10,000 of the 10,332 residents here
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Physical, occupational, and speech therapy | 18 | 17.4 | NPPES [2] |
| Primary care and family medicine | 17 | 16.5 | NPPES [2] |
| General dentistry | 13 | 12.6 | NPPES [2] |
| Specialty physician groups | 13 | 12.6 | NPPES [2] |
| Chiropractic | 6 | 5.8 | NPPES [2] |
| Optometry and ophthalmology | 6 | 5.8 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 6 | 5.8 | NPPES [2] |
| DME and HME suppliers | 5 | 4.8 | NPPES [2] |
| Independent pharmacy | 5 | 4.8 | NPPES [2] |
| Dermatology | 2 | 1.9 | NPPES [2] |
| Home health | 2 | 1.9 | NPPES [2] |
| Audiology and hearing centers | 2 | 1.9 | NPPES [2] |
| Behavioral and mental health group practices | 2 | 1.9 | NPPES [2] |
| Telehealth and virtual clinics | 2 | 1.9 | NPPES [2] |
| ASCs and OBLs | 1 | 1.0 | NPPES [2] |
| NEMT and ambulance | 1 | 1.0 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 1 | 1.0 | NPPES [2] |
| Clinical and toxicology labs | 1 | 1.0 | NPPES [2] |
| Dialysis and infusion centers | 1 | 1.0 | NPPES [2] |
| Medical equipment suppliers | 6 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] | |
| Home health agencies | 1 | CMS [4] |
Physical, occupational, and speech therapy carries 18 of the 104 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
Columbia County approvals, dollars, and lending establishments
1 healthcare approvals sit in the county file, so an appraiser here works from a short comparable set
| What it measures | Value | How to read it |
|---|---|---|
| SBA healthcare approvals | 1 | Fiscal year published in the SBA file [5] |
| Approved dollars | $57,000 | Sum of approvals to healthcare borrowers [5] |
| Average approval | $57,000 | Dollars divided by approvals [5] |
| Lending establishments in the county | 34 | Credit intermediation establishments, NAICS 522 [6] |
What the two tables above change about a file
Underwriting starts with 100.7 providers per 10,000 residents, because that ratio caps how fast a chair or a room fills. With 1 approvals on record in Columbia County, expect a longer appraisal and a wider collateral discount. Household income of $45,338 in Berwick is the number a lender uses to sanity check the self-pay share of a revenue projection.
Where a file from this town usually lands
- Practice acquisition
- Expansion, relocation, and build-out
- Startup and de novo
- Equipment financing and leasing
- Working capital term loan
The 19 fields practicing locally set this order. A funding partner, not this list, decides what is available in Pennsylvania.
Underwriting by field in Berwick
What a funder opens first depends on the field. In Berwick 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 (18) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Primary care and family medicine (17) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| General dentistry (13) | Three years of collections history, Hygiene as a share of collections, Overhead ratio and owner add-backs | Acquisition of an established practice |
Local counts come from NPPES. What a file turns on is drawn from how the field is generally reviewed, not from any decision about your practice.
Berwick against nearby Pennsylvania markets
Density is the number that moves an appraisal: 100.7 per 10,000 here
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Berwick (current) | 10,332 | 104 | 100.7 | |
| Bloomsburg | 13,286 | 246 | 185.2 | 11 |
| Hazleton | 30,354 | 233 | 76.8 | 16 |
| Nanticoke | 10,730 | 78 | 72.7 | 16 |
| Kingston | 13,476 | 359 | 266.4 | 24 |
| Wilkes-Barre | 44,661 | 30 | 6.7 | 24 |
| Pottsville | 13,404 | 353 | 263.4 | 26 |
How Berwick sits against the nearest metro
Distance to Scranton--Wilkes-Barre, PA is 39 miles. That is close enough for rent in Berwick to be compared against the metro and far enough that patient draw is not. Median household income runs $45,338, which is the number a funder converts into case acceptance on anything elective or cash-pay. The hospital fixes two inputs a lender would otherwise estimate in a 10,332 resident town: where referrals originate, and what staff cost.
Nearby Pennsylvania towns
- Bloomsburg 13,286 residents
- Hazleton 30,354 residents
- Nanticoke 10,730 residents
- Kingston 13,476 residents
- Wilkes-Barre 44,661 residents
- Pottsville 13,404 residents
What owners in Berwick ask
01How many providers practice in Berwick, and in what?
NPPES lists 104 providers at a Berwick practice address, 100.7 per 10,000 residents across 19 tracked fields. Physical, occupational, and speech therapy accounts for 18 of them, 17 percent of the total, with primary care and family medicine next at 17. Read that as clinicians: 104 enumerations, not 104 owners.
02What does Columbia County's shortage designation change?
Designated for primary care, dental, mental health, Columbia 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 Columbia County show so little SBA activity?
Only 1 healthcare approvals appear for Columbia County in the published 7(a) and 504 file. Thin volume in Columbia County is a transaction count, not a verdict on borrowers here. The county still holds 34 credit intermediation establishments.
04Is Berwick underwritten as part of Scranton--Wilkes-Barre, PA?
Scranton--Wilkes-Barre, PA sits 39 miles away, close enough that appraisers reach into that market for rent and resale comparables while your patient draw stays local. The comparables read Scranton--Wilkes-Barre, PA; the 10,332 residents set the ceiling a projection can defend.
05How does the hospital in Berwick affect a practice file?
Referral flow, coverage, and the local pay scale all trace back to it. The town carries 2 Medicare-certified providers in total. A Berwick projection that names the call arrangement reads better than one that assumes it.
06What does the underserved designation in Columbia County support?
Columbia County carries a medically underserved designation. It evidences unmet demand behind a capacity build, and it opens recruitment programs that make a staffing line in a projection easier to defend than local wage data alone would.
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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