Idaho micro-market
Healthcare practice financing in Sandpoint, Idaho
Direct answer
10,444 residents, 242 enumerated clinicians, 231.7 per 10,000, 30 percent of them in physical, occupational, and speech therapy: that is the Sandpoint market a funder prices. Bonner County adds 1 healthcare approvals worth $272,600 and 42 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: 10,444 residents (10K-25K band)1
- Healthcare providers registered here: 242 across 23 fields2
- Median household income: $67,7693
- Largest provider field: Physical, occupational, and speech therapy: 72 registered providers2
- Medicare-certified providers in town: 4 across 4 categories4
- Nearest metro: Coeur d'Alene, ID, 42 miles1
Fields practicing inside Sandpoint
242 providers across 23 fields, 231.7 per 10,000 residents, counted at Sandpoint addresses in the NPPES monthly file
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Physical, occupational, and speech therapy | 72 | 68.9 | NPPES [2] |
| Primary care and family medicine | 32 | 30.6 | NPPES [2] |
| Behavioral and mental health group practices | 30 | 28.7 | NPPES [2] |
| Chiropractic | 21 | 20.1 | NPPES [2] |
| Optometry and ophthalmology | 21 | 20.1 | NPPES [2] |
| General dentistry | 20 | 19.1 | NPPES [2] |
| Specialty physician groups | 8 | 7.7 | NPPES [2] |
| Independent pharmacy | 5 | 4.8 | NPPES [2] |
| Telehealth and virtual clinics | 5 | 4.8 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 5 | 4.8 | NPPES [2] |
| Home health | 4 | 3.8 | NPPES [2] |
| Dental specialties | 4 | 3.8 | NPPES [2] |
| DME and HME suppliers | 3 | 2.9 | NPPES [2] |
| Podiatry | 2 | 1.9 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 2 | 1.9 | NPPES [2] |
| Urgent care | 1 | 1.0 | NPPES [2] |
| ASCs and OBLs | 1 | 1.0 | NPPES [2] |
| SUD treatment and residential | 1 | 1.0 | NPPES [2] |
| NEMT and ambulance | 1 | 1.0 | NPPES [2] |
| Non-medical home care | 1 | 1.0 | NPPES [2] |
| Hospice and palliative | 1 | 1.0 | NPPES [2] |
| Clinical research sites | 1 | 1.0 | NPPES [2] |
| Dialysis and infusion centers | 1 | 1.0 | NPPES [2] |
| Medical equipment suppliers | 7 | CMS [4] | |
| Ambulatory surgical centers | 1 | CMS [4] | |
| Hospice providers | 1 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] | |
| Home health agencies | 1 | CMS [4] |
A single Sandpoint practice can hold more than one of these numbers. 30 percent sit in physical, occupational, and speech therapy, counted as clinicians rather than as owners.
Loan activity in Bonner County
With 1 healthcare approvals recorded, Bonner County gives a valuation almost nothing local to lean on
| Line | Amount | Reading and source |
|---|---|---|
| SBA healthcare approvals | 1 | Fiscal year published in the SBA file [5] |
| Approved dollars | $272,600 | Sum of approvals to healthcare borrowers [5] |
| Average approval | $272,600 | Dollars divided by approvals [5] |
| Lending establishments in the county | 35 | Credit intermediation establishments, NAICS 522 [6] |
How this data lands in an underwriting decision
At 231.7 clinicians per 10,000 residents, the catchment radius in a projection has to be defended rather than assumed. A short county record of 1 approvals usually means more documentation and a lower advance against the same collateral. With $67,769 as the median household income, the payer mix in a projection has to match what Sandpoint households actually spend.
Programs the Sandpoint mix reaches for
- Practice acquisition
- Startup and de novo
- Working capital term loan
- Expansion, relocation, and build-out
- Equipment financing and leasing
The 23 fields practicing locally set this order. A funding partner, not this list, decides what is available in Idaho.
Underwriting by field in Sandpoint
What a funder opens first depends on the field. In Sandpoint that means physical, occupational, and speech therapy, primary care and family medicine, behavioral and mental health group practices.
| Field | What the file turns on | The capital event behind most requests |
|---|---|---|
| Physical, occupational, and speech therapy (72) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Primary care and family medicine (32) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| Behavioral and mental health group practices (30) | Clinician retention and productivity, Payer mix and Medicaid concentration, Re-authorization and session limit exposure | Working capital through the credentialing lag |
Column one counts Sandpoint clinicians from the federal file. Columns two and three describe how the field is usually underwritten, and a partner can read a Sandpoint file differently.
How Sandpoint prices against its neighbors
231.7 per 10,000 is the figure a neighboring town gets compared against when an appraiser prices Sandpoint
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Sandpoint (current) | 10,444 | 242 | 231.7 | |
| Hayden | 16,924 | 191 | 112.9 | 37 |
| Rathdrum | 12,626 | 53 | 42.0 | 37 |
| Coeur d'Alene | 57,355 | 37 | 6.5 | 41 |
| Post Falls | 45,800 | 344 | 75.1 | 42 |
| Moscow | 26,894 | 213 | 79.2 | 109 |
| Lewiston | 34,693 | 325 | 93.7 | 132 |
How Sandpoint sits against the nearest metro
Distance to Coeur d'Alene, ID is 42 miles. That is close enough for rent in Sandpoint to be compared against the metro and far enough that patient draw is not. Households here carry $67,769 in median income, and that ceiling decides how much of a treatment plan gets started rather than deferred. Wages here are anchored by the Medicare-certified hospital in town, which is what a staffing line gets measured against. Sandpoint is the Bonner County seat, so county employment steadies the payer mix.
Other Idaho markets
- Hayden 16,924 residents
- Rathdrum 12,626 residents
- Coeur d'Alene 57,355 residents
- Post Falls 45,800 residents
- Moscow 26,894 residents
- Lewiston 34,693 residents
Sandpoint owners, answered
01How many providers practice in Sandpoint, and in what?
Across 23 fields, Sandpoint carries 242 enumerated clinicians, 231.7 per 10,000 of the 10,444 people living here. The concentration is in physical, occupational, and speech therapy, 72 of the total, then primary care and family medicine at 32. Count practices from that only with care.
02Why does Bonner County show so little SBA activity?
Only 1 healthcare approvals appear for Bonner County in the published 7(a) and 504 file. Thin volume in Bonner County is a transaction count, not a verdict on borrowers here. The county still holds 35 credit intermediation establishments.
03Is Sandpoint underwritten as part of Coeur d'Alene, ID?
Partly. Coeur d'Alene, ID is 42 miles out, so rent and equipment comparables travel in from there while patients still come from the 10,444 residents around Sandpoint. Cost side metro, revenue side local.
04What does Bonner County's shortage designation change?
Designated for primary care, dental, mental health, Bonner 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.
05How does the hospital in Sandpoint affect a practice file?
Referral flow, coverage, and the local pay scale all trace back to it. The town carries 4 Medicare-certified providers in total. A Sandpoint projection that names the call arrangement reads better than one that assumes it.
06Which fields carry the volume in Sandpoint?
Volume concentrates in physical, occupational, and speech therapy, 72 of them, ahead of primary care and family medicine at 32, across 23 fields. A thin second field usually means a longer search for staff than a pro forma allows for.
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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