Idaho micro-market
Healthcare practice financing in Hayden, Idaho
Direct answer
16,924 residents, 191 enumerated clinicians, 112.9 per 10,000, 25 percent of them in physical, occupational, and speech therapy: that is the Hayden market a funder prices. Kootenai County adds 11 healthcare approvals worth $14,020,000 and 5 miles of distance to Coeur d'Alene, ID.
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 Idaho, and how many partners see it, is set out on the Idaho page.
- Population: 16,924 residents (10K-25K band)1
- Healthcare providers registered here: 191 across 24 fields2
- Median household income: $77,5343
- Largest provider field: Physical, occupational, and speech therapy: 47 registered providers2
- Medicare-certified providers in town: 1 across 1 categories4
- Nearest metro: Coeur d'Alene, ID, 5 miles1
Hayden clinicians, by field
The NPPES file puts 191 enumerated clinicians inside Hayden, spread over 24 fields at 112.9 per 10,000 residents
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| Physical, occupational, and speech therapy | 47 | 27.8 | NPPES [2] |
| Chiropractic | 30 | 17.7 | NPPES [2] |
| Primary care and family medicine | 18 | 10.6 | NPPES [2] |
| General dentistry | 15 | 8.9 | NPPES [2] |
| Optometry and ophthalmology | 15 | 8.9 | NPPES [2] |
| ABA and autism therapy | 11 | 6.5 | NPPES [2] |
| Behavioral and mental health group practices | 11 | 6.5 | NPPES [2] |
| DME and HME suppliers | 8 | 4.7 | NPPES [2] |
| Independent pharmacy | 8 | 4.7 | NPPES [2] |
| Dental specialties | 6 | 3.5 | NPPES [2] |
| Home health | 3 | 1.8 | NPPES [2] |
| Telehealth and virtual clinics | 3 | 1.8 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 3 | 1.8 | NPPES [2] |
| Specialty physician groups | 2 | 1.2 | NPPES [2] |
| Clinical and toxicology labs | 2 | 1.2 | NPPES [2] |
| Podiatry | 1 | 0.6 | NPPES [2] |
| Urgent care | 1 | 0.6 | NPPES [2] |
| ASCs and OBLs | 1 | 0.6 | NPPES [2] |
| Mobile diagnostics | 1 | 0.6 | NPPES [2] |
| Non-medical home care | 1 | 0.6 | NPPES [2] |
| Hospice and palliative | 1 | 0.6 | NPPES [2] |
| Med spa and aesthetics | 1 | 0.6 | NPPES [2] |
| Dialysis and infusion centers | 1 | 0.6 | NPPES [2] |
| Occupational health and drug testing | 1 | 0.6 | NPPES [2] |
| Medical equipment suppliers | 5 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] |
Several of the 47 physical, occupational, and speech therapy enumerations can belong to one practice, so the column counts clinicians rather than businesses or owners
Loan activity in Kootenai County
The published file shows 11 healthcare approvals in Kootenai County, $14,020,000 in total, and that history is what an appraiser and a credit committee reach for
| What it measures | Value | How to read it |
|---|---|---|
| Healthcare files approved | 11 | Fiscal year published in the SBA file [5] |
| Dollars behind them | $14,020,000 | Sum of approvals to healthcare borrowers [5] |
| Typical approval size | $1,274,545 | Dollars divided by approvals [5] |
| Credit offices operating locally | 134 | Credit intermediation establishments, NAICS 522 [6] |
What the two tables above change about a file
At 112.9 clinicians per 10,000 residents, the catchment radius in a projection has to be defended rather than assumed. A request measured against 11 prior Kootenai County approvals is priced on precedent, which shortens the questions about valuation. With $77,534 as the median household income, the payer mix in a projection has to match what Hayden households actually spend.
The programs this provider mix points at
- Practice acquisition
- Startup and de novo
- Working capital term loan
- Equipment financing and leasing
- Expansion, relocation, and build-out
The order comes from Hayden's own provider mix, which physical, occupational, and speech therapy dominates at 25 percent. What a partner can actually place in Idaho is a separate question.
Underwriting by field in Hayden
physical, occupational, and speech therapy, chiropractic, primary care and family medicine account for most of what is enumerated in Hayden, so those are the files funders see from this town
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| Physical, occupational, and speech therapy (47) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Chiropractic (30) | Cash plan revenue, Personal injury receivable age, Visit volume | Startup or acquisition |
| Primary care and family medicine (18) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
Column one counts Hayden clinicians from the federal file. Columns two and three describe how the field is usually underwritten, and a partner can read a Hayden file differently.
How Hayden prices against its neighbors
The neighboring markets below are the ones a valuation borrows from when Hayden has too few sales of its own
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Hayden (current) | 16,924 | 191 | 112.9 | |
| Coeur d'Alene | 57,355 | 37 | 6.5 | 5 |
| Rathdrum | 12,626 | 53 | 42.0 | 5 |
| Post Falls | 45,800 | 344 | 75.1 | 7 |
| Sandpoint | 10,444 | 242 | 231.7 | 37 |
| Moscow | 26,894 | 213 | 79.2 | 72 |
| Lewiston | 34,693 | 325 | 93.7 | 95 |
What the geography does to a Hayden projection
Coeur d'Alene, ID lies 5 miles from Hayden, close enough that appraisers price the lease against Coeur d'Alene, ID rents while 16,924 residents set the revenue ceiling. At $77,534 median household income, the elective and cash-pay share of a projection is the line that gets tested first. With no hospital in town, a projection has to name where referrals and coverage come from.
Other Idaho markets
- Coeur d'Alene 57,355 residents
- Rathdrum 12,626 residents
- Post Falls 45,800 residents
- Sandpoint 10,444 residents
- Moscow 26,894 residents
- Lewiston 34,693 residents
Questions from Hayden
01How many providers practice in Hayden, and in what?
Across 24 fields, Hayden carries 191 enumerated clinicians, 112.9 per 10,000 of the 16,924 people living here. The concentration is in physical, occupational, and speech therapy, 47 of the total, then chiropractic at 30. Count practices from that only with care.
02What does Kootenai County's shortage designation change?
Designated for primary care, dental, mental health, Kootenai 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.
03Is Hayden underwritten as part of Coeur d'Alene, ID?
Comparables and demand split at 5 miles. An appraiser prices the lease and the equipment off Coeur d'Alene, ID; the revenue line has to hold up against 16,924 local residents.
04What does SBA lending look like around Hayden?
The county file behind Hayden holds 11 healthcare approvals totaling $14,020,000, an average of $1,274,545. Those are the loan sizes lenders in Kootenai County have already carried.
05Is there local lending capacity in Kootenai County?
County Business Patterns records 134 credit intermediation establishments in Kootenai County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Hayden rents and resale before or by somebody working from a screen.
06What does the underserved designation in Kootenai County support?
Kootenai 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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