Pennsylvania micro-market
Healthcare practice financing in Dunmore, Pennsylvania
Direct answer
A Dunmore file is read against 132 local clinicians, 92.6 for every 10,000 of its 14,249 residents, 18 percent of them in specialty physician groups, plus the 4 SBA healthcare approvals worth $441,300 already recorded in Lackawanna County, 3 miles from Scranton--Wilkes-Barre, PA.
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 Pennsylvania, and how many partners see it, is set out on the Pennsylvania page.
- Population: 14,249 residents (10K-25K band)1
- Healthcare providers registered here: 132 across 24 fields2
- Median household income: $75,6323
- Largest provider field: Specialty physician groups: 24 registered providers2
- Medicare-certified providers in town: 4 across 3 categories4
- Nearest metro: Scranton--Wilkes-Barre, PA, 3 miles1
Fields practicing inside Dunmore
Counted at the town's own addresses: 132 providers, 24 fields, 92.6 clinicians per 10,000 of the 14,249 residents here
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Specialty physician groups | 24 | 16.8 | NPPES [2] |
| Physical, occupational, and speech therapy | 21 | 14.7 | NPPES [2] |
| Chiropractic | 12 | 8.4 | NPPES [2] |
| Behavioral and mental health group practices | 12 | 8.4 | NPPES [2] |
| DME and HME suppliers | 11 | 7.7 | NPPES [2] |
| Primary care and family medicine | 10 | 7.0 | NPPES [2] |
| Podiatry | 6 | 4.2 | NPPES [2] |
| Home health | 5 | 3.5 | NPPES [2] |
| Dental specialties | 4 | 2.8 | NPPES [2] |
| Independent pharmacy | 3 | 2.1 | NPPES [2] |
| Med spa and aesthetics | 3 | 2.1 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 3 | 2.1 | NPPES [2] |
| General dentistry | 2 | 1.4 | NPPES [2] |
| Non-medical home care | 2 | 1.4 | NPPES [2] |
| Hospice and palliative | 2 | 1.4 | NPPES [2] |
| Clinical and toxicology labs | 2 | 1.4 | NPPES [2] |
| Dialysis and infusion centers | 2 | 1.4 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 2 | 1.4 | NPPES [2] |
| Urgent care | 1 | 0.7 | NPPES [2] |
| ASCs and OBLs | 1 | 0.7 | NPPES [2] |
| ABA and autism therapy | 1 | 0.7 | NPPES [2] |
| IV hydration and infusion | 1 | 0.7 | NPPES [2] |
| Optometry and ophthalmology | 1 | 0.7 | NPPES [2] |
| Plastic and cosmetic surgery | 1 | 0.7 | NPPES [2] |
| Medical equipment suppliers | 5 | CMS [4] | |
| Home health agencies | 2 | CMS [4] | |
| Hospice providers | 1 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] |
Specialty physician groups carries 24 of the 132 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
The lending record behind Dunmore
With 4 healthcare approvals recorded, Lackawanna County gives a valuation almost nothing local to lean on
| What it measures | Value | How to read it |
|---|---|---|
| Approvals on record | 4 | Counted for the fiscal year the SBA publishes [5] |
| Total approved capital | $441,300 | Everything approved to healthcare borrowers, added up [5] |
| Mean deal size | $110,325 | The dollar column over the approval column [5] |
| Lenders sited in the county | 117 | Places that write credit locally, NAICS 522 [6] |
How this data lands in an underwriting decision
A file from here opens on 92.6 providers per 10,000 residents, and everything about volume follows from it. With 4 approvals on record in Lackawanna County, expect a longer appraisal and a wider collateral discount. With $75,632 as the median household income, the payer mix in a projection has to match what Dunmore households actually spend.
Where a file from this town usually lands
- Practice acquisition
- Equipment financing and leasing
- Working capital term loan
- Expansion, relocation, and build-out
- Startup and de novo
The order comes from Dunmore's own provider mix, which specialty physician groups dominates at 18 percent. What a partner can actually place in Pennsylvania is a separate question.
Underwriting by field in Dunmore
specialty physician groups, physical, occupational, and speech therapy, chiropractic account for most of what is enumerated in Dunmore, so those are the files funders see from this town
| Field | What the file turns on | The capital event behind most requests |
|---|---|---|
| Specialty physician groups (24) | Ancillary revenue contribution, Provider productivity, Payer contracts | Ancillary build-out |
| Physical, occupational, and speech therapy (21) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Chiropractic (12) | Cash plan revenue, Personal injury receivable age, Visit volume | Startup or acquisition |
NPPES supplies the Dunmore counts. The reading columns describe the field in general, and no partner reviewing a Dunmore file is bound by them.
Density beside the neighboring Pennsylvania towns
Set Dunmore's 92.6 per 10,000 against the towns an appraiser would reach for next
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Dunmore (current) | 14,249 | 132 | 92.6 | |
| Scranton | 75,905 | 997 | 131.3 | 3 |
| Kingston | 13,476 | 359 | 266.4 | 18 |
| Wilkes-Barre | 44,661 | 30 | 6.7 | 18 |
| Nanticoke | 10,730 | 78 | 72.7 | 25 |
| Hazleton | 30,354 | 233 | 76.8 | 37 |
| Berwick | 10,332 | 104 | 100.7 | 42 |
What the geography does to a Dunmore projection
3 miles separate Dunmore from Scranton--Wilkes-Barre, PA. Lease pricing follows Scranton--Wilkes-Barre, PA, while revenue stays capped by the 14,249 residents here. Median household income runs $75,632, which is the number a funder converts into case acceptance on anything elective or cash-pay. With no hospital in town, a projection has to name where referrals and coverage come from. A college in Dunmore puts a term-shaped curve into monthly collections.
Nearby Pennsylvania towns
What owners in Dunmore ask
01How many providers practice in Dunmore, and in what?
132 enumerations sit at Dunmore addresses in the monthly NPPES file, working out to 92.6 for every 10,000 residents. 18 percent of them are specialty physician groups, and physical, occupational, and speech therapy follows with 21. An enumeration is a clinician, so the 132 here cover fewer than 132 practices.
02What does Lackawanna County's shortage designation change?
Designated for primary care, dental, mental health, Lackawanna 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 Lackawanna County show so little SBA activity?
Lackawanna County shows 4 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. 117 lending establishments operate locally.
04Is Dunmore underwritten as part of Scranton--Wilkes-Barre, PA?
Comparables and demand split at 3 miles. An appraiser prices the lease and the equipment off Scranton--Wilkes-Barre, PA; the revenue line has to hold up against 14,249 local residents.
05Is there local lending capacity in Lackawanna County?
County Business Patterns records 117 credit intermediation establishments in Lackawanna County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Dunmore rents and resale before or by somebody working from a screen.
06How does the college here show up in the numbers?
A campus in town means monthly collections rise and fall with terms. Say so in the projection for Dunmore, because a summer trough that is explained is read as seasonality, and one that is not is read as decline.
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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