Virginia micro-market
Healthcare practice financing in Charlottesville, Virginia
Direct answer
44,767 residents, 1,990 enumerated clinicians, 444.5 per 10,000, 25 percent of them in physical, occupational, and speech therapy: that is the Charlottesville market a funder prices. Charlottesville City County adds 2 healthcare approvals worth $725,000 and 0 miles of distance to Charlottesville, VA.
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. Which programs can be referred from Virginia, and which cannot, is set out on the Virginia page.
- Population: 44,767 residents (25K-50K band)1
- Healthcare providers registered here: 1,990 across 36 fields2
- Median household income: $69,8293
- Largest provider field: Physical, occupational, and speech therapy: 489 registered providers2
- Medicare-certified providers in town: 13 across 4 categories4
- Nearest metro: Charlottesville, VA, 0 miles1
The clinical base a lender can verify here
1,990 providers across 36 fields, 444.5 per 10,000 residents, counted at Charlottesville addresses in the NPPES monthly file
| Practice type | Count | Rate per 10,000 residents | Published by |
|---|---|---|---|
| Physical, occupational, and speech therapy | 489 | 109.2 | NPPES [2] |
| Specialty physician groups | 331 | 73.9 | NPPES [2] |
| Primary care and family medicine | 186 | 41.5 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 119 | 26.6 | NPPES [2] |
| Optometry and ophthalmology | 114 | 25.5 | NPPES [2] |
| General dentistry | 100 | 22.3 | NPPES [2] |
| Chiropractic | 80 | 17.9 | NPPES [2] |
| Behavioral and mental health group practices | 70 | 15.6 | NPPES [2] |
| Dental specialties | 67 | 15.0 | NPPES [2] |
| ABA and autism therapy | 55 | 12.3 | NPPES [2] |
| Dermatology | 53 | 11.8 | NPPES [2] |
| DME and HME suppliers | 46 | 10.3 | NPPES [2] |
| Hormone, TRT, and men's health clinics | 45 | 10.1 | NPPES [2] |
| Audiology and hearing centers | 34 | 7.6 | NPPES [2] |
| Med spa and aesthetics | 31 | 6.9 | NPPES [2] |
| Home health | 26 | 5.8 | NPPES [2] |
| Independent pharmacy | 25 | 5.6 | NPPES [2] |
| Plastic and cosmetic surgery | 19 | 4.2 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 17 | 3.8 | NPPES [2] |
| Non-medical home care | 15 | 3.4 | NPPES [2] |
| Podiatry | 10 | 2.2 | NPPES [2] |
| Hospice and palliative | 9 | 2.0 | NPPES [2] |
| Pain management and interventional | 7 | 1.6 | NPPES [2] |
| ASCs and OBLs | 5 | 1.1 | NPPES [2] |
| Fertility and IVF | 5 | 1.1 | NPPES [2] |
| NEMT and ambulance | 5 | 1.1 | NPPES [2] |
| SUD treatment and residential | 4 | 0.9 | NPPES [2] |
| Clinical and toxicology labs | 4 | 0.9 | NPPES [2] |
| Telehealth and virtual clinics | 4 | 0.9 | NPPES [2] |
| Urgent care | 3 | 0.7 | NPPES [2] |
| Imaging centers | 3 | 0.7 | NPPES [2] |
| Dialysis and infusion centers | 3 | 0.7 | NPPES [2] |
| Occupational health and drug testing | 3 | 0.7 | NPPES [2] |
| Sleep centers | 1 | 0.2 | NPPES [2] |
| Clinical research sites | 1 | 0.2 | NPPES [2] |
| IV hydration and infusion | 1 | 0.2 | NPPES [2] |
| Medical equipment suppliers | 39 | CMS [4] | |
| Hospice providers | 4 | CMS [4] | |
| Ambulatory surgical centers | 3 | CMS [4] | |
| Dialysis facilities | 3 | CMS [4] | |
| Home health agencies | 3 | CMS [4] |
Physical, occupational, and speech therapy carries 489 of the 1,990 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
What Charlottesville City County credit files already show
With 2 healthcare approvals recorded, Charlottesville City County gives a valuation almost nothing local to lean on
| What it measures | Value | How to read it |
|---|---|---|
| SBA healthcare approvals | 2 | Fiscal year published in the SBA file [5] |
| Approved dollars | $725,000 | Sum of approvals to healthcare borrowers [5] |
| Average approval | $362,500 | Dollars divided by approvals [5] |
| Lending establishments in the county | 36 | Credit intermediation establishments, NAICS 522 [6] |
The consequence of these numbers
A file from here opens on 444.5 providers per 10,000 residents, and everything about volume follows from it. With 2 approvals on record in Charlottesville City County, expect a longer appraisal and a wider collateral discount. With $69,829 as the median household income, the payer mix in a projection has to match what Charlottesville households actually spend.
Where a file from this town usually lands
- Practice acquisition
- Startup and de novo
- Expansion, relocation, and build-out
- Equipment financing and leasing
- Working capital term loan
Ranked from the 36 fields that actually practice in Charlottesville, weighted toward physical, occupational, and speech therapy. Availability still depends on Virginia and on the funding partner.
Underwriting by field in Charlottesville
Drawn from the fields that actually practice here: physical, occupational, and speech therapy, specialty physician groups, primary care and family medicine
| Field | What the file turns on | The capital event behind most requests |
|---|---|---|
| Physical, occupational, and speech therapy (489) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Specialty physician groups (331) | Ancillary revenue contribution, Provider productivity, Payer contracts | Ancillary build-out |
| Primary care and family medicine (186) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
Counts in the first column are Charlottesville providers from NPPES. The other two columns describe how funders read that field across markets like Charlottesville, not what any funder will do with your file.
Density beside the neighboring Virginia towns
444.5 per 10,000 is the figure a neighboring town gets compared against when an appraiser prices Charlottesville
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Charlottesville (current) | 44,767 | 1,990 | 444.5 | |
| Waynesboro | 23,498 | 193 | 82.1 | 23 |
| Staunton | 26,361 | 292 | 110.8 | 32 |
| Harrisonburg | 51,164 | 588 | 114.9 | 35 |
| Culpeper | 21,464 | 220 | 102.5 | 40 |
| Fredericksburg | 29,992 | 1,524 | 508.1 | 57 |
| Lynchburg | 80,301 | 1,123 | 139.8 | 59 |
Distance, income, and the wage floor around Charlottesville
Distance to Charlottesville, VA is 0 miles. Appraisers borrow Charlottesville, VA rents, and the 44,767 residents set the ceiling on collections. Median household income runs $69,829, which is the number a funder converts into case acceptance on anything elective or cash-pay. Wages here are anchored by the Medicare-certified hospital in town, which is what a staffing line gets measured against. Higher education here explains why summer looks unlike the rest of the year.
Other Virginia markets
- Waynesboro 23,498 residents
- Staunton 26,361 residents
- Harrisonburg 51,164 residents
- Culpeper 21,464 residents
- Fredericksburg 29,992 residents
- Lynchburg 80,301 residents
Charlottesville owners, answered
01How many providers practice in Charlottesville, and in what?
Across 36 fields, Charlottesville carries 1,990 enumerated clinicians, 444.5 per 10,000 of the 44,767 people living here. The concentration is in physical, occupational, and speech therapy, 489 of the total, then specialty physician groups at 331. Count practices from that only with care.
02Why does Charlottesville City County show so little SBA activity?
Only 2 healthcare approvals appear for Charlottesville City County in the published 7(a) and 504 file. Thin volume in Charlottesville City County is a transaction count, not a verdict on borrowers here. The county still holds 36 credit intermediation establishments.
03Which fields carry the volume in Charlottesville?
Volume concentrates in physical, occupational, and speech therapy, 489 of them, ahead of specialty physician groups at 331, across 36 fields. A thin second field usually means a longer search for staff than a pro forma allows for.
04Is Charlottesville underwritten as part of Charlottesville, VA?
Charlottesville, VA sits 0 miles away, close enough that appraisers reach into that market for rent and resale comparables while your patient draw stays local. The comparables read Charlottesville, VA; the 44,767 residents set the ceiling a projection can defend.
05How does the hospital in Charlottesville affect a practice file?
Referral flow, coverage, and the local pay scale all trace back to it. The town carries 13 Medicare-certified providers in total. A Charlottesville projection that names the call arrangement reads better than one that assumes it.
06How many Medicare-certified providers are based in Charlottesville?
The town carries 13 Medicare-certified providers. On a receivables request that number sets the expected collection lag, which is priced before anything about the practice itself is read.
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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