Virginia micro-market
Healthcare practice financing in Williamsburg, Virginia
Direct answer
Williamsburg City County carries 6 SBA healthcare approvals worth $2,550,000, and inside Williamsburg the census shows 802 enumerated clinicians against 16,030 residents, 500.3 per 10,000, 23 percent of them in physical, occupational, and speech therapy. Richmond, VA lies 46 miles away.
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: 16,030 residents (10K-25K band)1
- Healthcare providers registered here: 802 across 33 fields2
- Median household income: $70,2063
- Largest provider field: Physical, occupational, and speech therapy: 182 registered providers2
- Medicare-certified providers in town: 10 across 4 categories4
- Nearest metro: Richmond, VA, 46 miles1
Williamsburg clinicians, by field
The NPPES file puts 802 enumerated clinicians inside Williamsburg, spread over 33 fields at 500.3 per 10,000 residents
| Practice type | Count | Rate per 10,000 residents | Published by |
|---|---|---|---|
| Physical, occupational, and speech therapy | 182 | 113.5 | NPPES [2] |
| Primary care and family medicine | 88 | 54.9 | NPPES [2] |
| General dentistry | 78 | 48.7 | NPPES [2] |
| Specialty physician groups | 63 | 39.3 | NPPES [2] |
| Behavioral and mental health group practices | 48 | 29.9 | NPPES [2] |
| Optometry and ophthalmology | 43 | 26.8 | NPPES [2] |
| Chiropractic | 39 | 24.3 | NPPES [2] |
| ABA and autism therapy | 34 | 21.2 | NPPES [2] |
| Home health | 33 | 20.6 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 31 | 19.3 | NPPES [2] |
| DME and HME suppliers | 20 | 12.5 | NPPES [2] |
| Dental specialties | 19 | 11.9 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 18 | 11.2 | NPPES [2] |
| Independent pharmacy | 16 | 10.0 | NPPES [2] |
| Med spa and aesthetics | 12 | 7.5 | NPPES [2] |
| Audiology and hearing centers | 10 | 6.2 | NPPES [2] |
| Non-medical home care | 8 | 5.0 | NPPES [2] |
| Hormone, TRT, and men's health clinics | 7 | 4.4 | NPPES [2] |
| Clinical and toxicology labs | 7 | 4.4 | NPPES [2] |
| Occupational health and drug testing | 7 | 4.4 | NPPES [2] |
| Dermatology | 6 | 3.7 | NPPES [2] |
| ASCs and OBLs | 6 | 3.7 | NPPES [2] |
| Podiatry | 4 | 2.5 | NPPES [2] |
| Urgent care | 4 | 2.5 | NPPES [2] |
| Dialysis and infusion centers | 4 | 2.5 | NPPES [2] |
| SUD treatment and residential | 3 | 1.9 | NPPES [2] |
| Plastic and cosmetic surgery | 3 | 1.9 | NPPES [2] |
| Imaging centers | 2 | 1.2 | NPPES [2] |
| Hospice and palliative | 2 | 1.2 | NPPES [2] |
| Telehealth and virtual clinics | 2 | 1.2 | NPPES [2] |
| IDD services | 1 | 0.6 | NPPES [2] |
| Sleep centers | 1 | 0.6 | NPPES [2] |
| Pain management and interventional | 1 | 0.6 | NPPES [2] |
| Medical equipment suppliers | 17 | CMS [4] | |
| Home health agencies | 4 | CMS [4] | |
| Dialysis facilities | 3 | CMS [4] | |
| Ambulatory surgical centers | 2 | CMS [4] | |
| Hospice providers | 1 | CMS [4] |
Physical, occupational, and speech therapy carries 182 of the 802 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
What Williamsburg City County credit files already show
With 6 healthcare approvals recorded, Williamsburg City County gives a valuation almost nothing local to lean on
| What it measures | Value | How to read it |
|---|---|---|
| Approvals on record | 6 | Fiscal year published in the SBA file [5] |
| Total approved capital | $2,550,000 | Sum of approvals to healthcare borrowers [5] |
| Mean deal size | $425,000 | Dollars divided by approvals [5] |
| Lenders sited in the county | 12 | Credit intermediation establishments, NAICS 522 [6] |
The consequence of these numbers
At 500.3 clinicians per 10,000 residents, the catchment radius in a projection has to be defended rather than assumed. With 6 approvals on record in Williamsburg City County, expect a longer appraisal and a wider collateral discount. With $70,206 as the median household income, the payer mix in a projection has to match what Williamsburg households actually spend.
Where a file from this town usually lands
- Practice acquisition
- Startup and de novo
- Expansion, relocation, and build-out
- Working capital term loan
- Equipment financing and leasing
Built from what is enumerated here rather than from a national list, so a field with no presence in Williamsburg does not appear. Availability is still a Virginia question.
Underwriting by field in Williamsburg
What a funder opens first depends on the field. In Williamsburg 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 (182) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Primary care and family medicine (88) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| General dentistry (78) | Three years of collections history, Hygiene as a share of collections, Overhead ratio and owner add-backs | Acquisition of an established practice |
The first column is Williamsburg's own NPPES count. The rest is how the field is generally underwritten, whether the address is Williamsburg or anywhere else.
Density beside the neighboring Virginia towns
The neighboring markets below are the ones a valuation borrows from when Williamsburg has too few sales of its own
| Comparable | People | Enumerations | Per 10,000 residents | Miles |
|---|---|---|---|---|
| Williamsburg (current) | 16,030 | 802 | 500.3 | |
| Poquoson | 12,854 | 45 | 35.0 | 24 |
| Hopewell | 22,970 | 128 | 55.7 | 32 |
| Colonial Heights | 18,674 | 267 | 143.0 | 38 |
| Petersburg | 34,058 | 250 | 73.4 | 38 |
| Fredericksburg | 29,992 | 1,524 | 508.1 | 83 |
| Culpeper | 21,464 | 220 | 102.5 | 109 |
What the geography does to a Williamsburg projection
46 miles separate Williamsburg from Richmond, VA. Rent comparables cross that gap; patients mostly do not. Median household income runs $70,206, 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
- Poquoson 12,854 residents
- Hopewell 22,970 residents
- Colonial Heights 18,674 residents
- Petersburg 34,058 residents
- Fredericksburg 29,992 residents
- Culpeper 21,464 residents
Williamsburg owners, answered
01How many providers practice in Williamsburg, and in what?
NPPES lists 802 providers at a Williamsburg practice address, 500.3 per 10,000 residents across 33 tracked fields. Physical, occupational, and speech therapy accounts for 182 of them, 23 percent of the total, with primary care and family medicine next at 88. Read that as clinicians: 802 enumerations, not 802 owners.
02Which fields carry the volume in Williamsburg?
The 33 enumerated fields are led by physical, occupational, and speech therapy at 182, with primary care and family medicine at 88 behind it. Those two counts double as the competition you are entering and the bench you would hire from.
03What does Williamsburg City County's shortage designation change?
The primary care, dental, mental health designation HRSA carries on Williamsburg City County is a recruiting instrument: it puts repayment incentives in front of candidates, which is how a hiring plan for 16,030 residents gets past the question of who would take the job.
04Why does Williamsburg City County show so little SBA activity?
Only 6 healthcare approvals appear for Williamsburg City County in the published 7(a) and 504 file. Thin volume in Williamsburg City County is a transaction count, not a verdict on borrowers here. The county still holds 12 credit intermediation establishments.
05How does the hospital in Williamsburg affect a practice file?
Referral flow, coverage, and the local pay scale all trace back to it. The town carries 10 Medicare-certified providers in total. A Williamsburg projection that names the call arrangement reads better than one that assumes it.
06Is Williamsburg underwritten as part of Richmond, VA?
Comparables and demand split at 46 miles. An appraiser prices the lease and the equipment off Richmond, VA; the revenue line has to hold up against 16,030 local residents.
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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