Idaho micro-market
Healthcare practice financing in Rathdrum, Idaho
Direct answer
12,626 residents, 53 enumerated clinicians, 42.0 per 10,000, 40 percent of them in physical, occupational, and speech therapy: that is the Rathdrum market a funder prices. Kootenai County adds 11 healthcare approvals worth $14,020,000 and 8 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: 12,626 residents (10K-25K band)1
- Healthcare providers registered here: 53 across 13 fields2
- Median household income: $86,4313
- Largest provider field: Physical, occupational, and speech therapy: 21 registered providers2
- Nearest metro: Coeur d'Alene, ID, 8 miles1
- SBA healthcare approvals in the county: 11 approvals totaling $14,020,0004
Rathdrum clinicians, by field
42.0 providers per 10,000 residents is what 53 enumerations across 13 fields works out to in a town of 12,626
| Practice type | Count | Rate per 10,000 residents | Published by |
|---|---|---|---|
| Physical, occupational, and speech therapy | 21 | 16.6 | NPPES [2] |
| Primary care and family medicine | 6 | 4.8 | NPPES [2] |
| Independent pharmacy | 6 | 4.8 | NPPES [2] |
| General dentistry | 4 | 3.2 | NPPES [2] |
| Behavioral and mental health group practices | 4 | 3.2 | NPPES [2] |
| ABA and autism therapy | 3 | 2.4 | NPPES [2] |
| Optometry and ophthalmology | 2 | 1.6 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 2 | 1.6 | NPPES [2] |
| DME and HME suppliers | 1 | 0.8 | NPPES [2] |
| Urgent care | 1 | 0.8 | NPPES [2] |
| Chiropractic | 1 | 0.8 | NPPES [2] |
| Clinical and toxicology labs | 1 | 0.8 | NPPES [2] |
| Occupational health and drug testing | 1 | 0.8 | NPPES [2] |
| Medical equipment suppliers | 1 | CMS [5] |
A single Rathdrum practice can hold more than one of these numbers. 40 percent sit in physical, occupational, and speech therapy, counted as clinicians rather than as owners.
What lenders have already approved in Kootenai County
Lenders in Kootenai County have already closed 11 healthcare approvals, averaging $1,274,545, which is the size a new file gets read beside
| Line | Amount | Reading and source |
|---|---|---|
| Approvals on record | 11 | Counted for the fiscal year the SBA publishes [4] |
| Total approved capital | $14,020,000 | Everything approved to healthcare borrowers, added up [4] |
| Mean deal size | $1,274,545 | The dollar column over the approval column [4] |
| Lenders sited in the county | 134 | Places that write credit locally, NAICS 522 [6] |
How this data lands in an underwriting decision
Density of 42.0 per 10,000 sets the patient draw a projection can claim without an argument. Because Kootenai County already carries $14,020,000 across 11 healthcare approvals, a request near that average moves faster than one well above it. A $86,431 median household income here sets the ceiling on what an elective or cash-pay line can be expected to carry.
Programs the Rathdrum mix reaches for
- Practice acquisition
- Startup and de novo
- Working capital term loan
- Expansion, relocation, and build-out
- Commercial real estate, owner-occupied
Weighted by how often each of the 13 local fields reaches for a program, not by what is easiest to refer. Idaho rules and the partner decide availability.
What a funder reads first in Rathdrum
Drawn from the fields that actually practice here: physical, occupational, and speech therapy, primary care and family medicine, independent pharmacy
| Practice type | The pages that decide it | Typical capital event |
|---|---|---|
| Physical, occupational, and speech therapy (21) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Primary care and family medicine (6) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| Independent pharmacy (6) | Script count and file retention, Gross margin after direct and indirect remuneration, Wholesaler terms against reimbursement timing | Acquisition of the business or the prescription files |
NPPES supplies the Rathdrum counts. The reading columns describe the field in general, and no partner reviewing a Rathdrum file is bound by them.
Rathdrum against nearby Idaho markets
Set Rathdrum's 42.0 per 10,000 against the towns an appraiser would reach for next
| Comparable | People | Enumerations | Per 10,000 residents | Miles |
|---|---|---|---|---|
| Rathdrum (current) | 12,626 | 53 | 42.0 | |
| Hayden | 16,924 | 191 | 112.9 | 5 |
| Post Falls | 45,800 | 344 | 75.1 | 5 |
| Coeur d'Alene | 57,355 | 37 | 6.5 | 8 |
| Sandpoint | 10,444 | 242 | 231.7 | 37 |
| Moscow | 26,894 | 213 | 79.2 | 74 |
| Lewiston | 34,693 | 325 | 93.7 | 97 |
What the geography does to a Rathdrum projection
8 miles separate Rathdrum from Coeur d'Alene, ID. Lease pricing follows Coeur d'Alene, ID, while revenue stays capped by the 12,626 residents here. Households here carry $86,431 in median income, and that ceiling decides how much of a treatment plan gets started rather than deferred. No hospital operates here, so the referral sources and the call arrangement have to be named rather than assumed.
Nearby Idaho towns
- Hayden 16,924 residents
- Post Falls 45,800 residents
- Coeur d'Alene 57,355 residents
- Sandpoint 10,444 residents
- Moscow 26,894 residents
- Lewiston 34,693 residents
What owners in Rathdrum ask
01How many providers practice in Rathdrum, and in what?
53 enumerations sit at Rathdrum addresses in the monthly NPPES file, working out to 42.0 for every 10,000 residents. 40 percent of them are physical, occupational, and speech therapy, and primary care and family medicine follows with 6. An enumeration is a clinician, so the 53 here cover fewer than 53 practices.
02What does SBA lending look like around Rathdrum?
$14,020,000 went to healthcare borrowers in Kootenai County across 11 approvals, $1,274,545 on average. Deals near Rathdrum get sized against that record before anything else.
03What does Kootenai County's shortage designation change?
Kootenai County holds a HRSA designation covering primary care, dental, mental health. A pro forma for Rathdrum can cite it as the reason a vacancy is fillable, which is usually the weakest line in a ramp schedule.
04Is 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 Rathdrum rents and resale before or by somebody working from a screen.
05Is Rathdrum underwritten as part of Coeur d'Alene, ID?
Coeur d'Alene, ID sits 8 miles away, close enough that appraisers reach into that market for rent and resale comparables while your patient draw stays local. The comparables read Coeur d'Alene, ID; the 12,626 residents set the ceiling a projection can defend.
06Which fields carry the volume in Rathdrum?
The 13 enumerated fields are led by physical, occupational, and speech therapy at 21, with primary care and family medicine at 6 behind it. Those two counts double as the competition you are entering and the bench you would hire from.
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
- 4U.S. Small Business Administration, 7(a) and 504 approvals
- 5CMS Care Compare provider datasets
- 6U.S. Census Bureau, County Business Patterns 2022
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