Iowa micro-market
Healthcare practice financing in Clive, Iowa
Direct answer
Polk County carries 19 SBA healthcare approvals worth $10,335,800, and inside Clive the census shows 315 enumerated clinicians against 19,508 residents, 161.5 per 10,000, 27 percent of them in physical, occupational, and speech therapy. Des Moines-West Des Moines, IA lies 10 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. How a referral works in Iowa, and how many partners see it, is set out on the Iowa page.
- Population: 19,508 residents (10K-25K band)1
- Healthcare providers registered here: 315 across 26 fields2
- Median household income: $131,0823
- Largest provider field: Physical, occupational, and speech therapy: 86 registered providers2
- Medicare-certified providers in town: 2 across 1 categories4
- Nearest metro: Des Moines-West Des Moines, IA, 10 miles1
The provider census in Clive
The NPPES file puts 315 enumerated clinicians inside Clive, spread over 26 fields at 161.5 per 10,000 residents
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| Physical, occupational, and speech therapy | 86 | 44.1 | NPPES [2] |
| Chiropractic | 60 | 30.8 | NPPES [2] |
| ABA and autism therapy | 31 | 15.9 | NPPES [2] |
| Primary care and family medicine | 22 | 11.3 | NPPES [2] |
| Specialty physician groups | 18 | 9.2 | NPPES [2] |
| Audiology and hearing centers | 17 | 8.7 | NPPES [2] |
| Behavioral and mental health group practices | 14 | 7.2 | NPPES [2] |
| DME and HME suppliers | 10 | 5.1 | NPPES [2] |
| Dermatology | 9 | 4.6 | NPPES [2] |
| Optometry and ophthalmology | 9 | 4.6 | NPPES [2] |
| General dentistry | 8 | 4.1 | NPPES [2] |
| Home health | 6 | 3.1 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 4 | 2.1 | NPPES [2] |
| Med spa and aesthetics | 3 | 1.5 | NPPES [2] |
| Podiatry | 2 | 1.0 | NPPES [2] |
| ASCs and OBLs | 2 | 1.0 | NPPES [2] |
| Fertility and IVF | 2 | 1.0 | NPPES [2] |
| Independent pharmacy | 2 | 1.0 | NPPES [2] |
| Non-medical home care | 2 | 1.0 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 2 | 1.0 | NPPES [2] |
| Imaging centers | 1 | 0.5 | NPPES [2] |
| Dental specialties | 1 | 0.5 | NPPES [2] |
| NEMT and ambulance | 1 | 0.5 | NPPES [2] |
| Hospice and palliative | 1 | 0.5 | NPPES [2] |
| Telehealth and virtual clinics | 1 | 0.5 | NPPES [2] |
| Occupational health and drug testing | 1 | 0.5 | NPPES [2] |
| Medical equipment suppliers | 9 | CMS [4] | |
| Ambulatory surgical centers | 2 | CMS [4] |
Physical, occupational, and speech therapy carries 86 of the 315 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
The lending record behind Clive
19 healthcare approvals averaging $543,989 set the deal shape lenders in Polk County have already underwritten
| What it measures | Value | How to read it |
|---|---|---|
| SBA healthcare approvals | 19 | Fiscal year published in the SBA file [5] |
| Approved dollars | $10,335,800 | Sum of approvals to healthcare borrowers [5] |
| Average approval | $543,989 | Dollars divided by approvals [5] |
| Lending establishments in the county | 341 | Credit intermediation establishments, NAICS 522 [6] |
How this data lands in an underwriting decision
At 161.5 clinicians per 10,000 residents, the catchment radius in a projection has to be defended rather than assumed. A request measured against 19 prior Polk County approvals is priced on precedent, which shortens the questions about valuation. A $131,082 median household income here sets the ceiling on what an elective or cash-pay line can be expected to carry.
Where a file from this town usually lands
- Practice acquisition
- Startup and de novo
- Working capital term loan
- Equipment financing and leasing
- Expansion, relocation, and build-out
The order comes from Clive's own provider mix, which physical, occupational, and speech therapy dominates at 27 percent. What a partner can actually place in Iowa is a separate question.
The first pages of a Clive file
physical, occupational, and speech therapy, chiropractic, aba and autism therapy account for most of what is enumerated in Clive, so those are the files funders see from this town
| Field | What the file turns on | The capital event behind most requests |
|---|---|---|
| Physical, occupational, and speech therapy (86) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Chiropractic (60) | Cash plan revenue, Personal injury receivable age, Visit volume | Startup or acquisition |
| ABA and autism therapy (31) | Authorized hours against delivered hours, Payer mix stability, Billing compliance history | Working capital against authorization and billing lag |
Local counts come from NPPES. What a file turns on is drawn from how the field is generally reviewed, not from any decision about your practice.
Clive against nearby Iowa markets
Density is the number that moves an appraisal: 161.5 per 10,000 here
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Clive (current) | 19,508 | 315 | 161.5 | |
| Urbandale | 47,759 | 380 | 79.6 | 2 |
| Grimes | 17,266 | 91 | 52.7 | 4 |
| Waukee | 34,420 | 216 | 62.8 | 5 |
| Johnston | 25,022 | 418 | 167.1 | 7 |
| Norwalk | 15,396 | 135 | 87.7 | 10 |
| Ankeny | 76,727 | 622 | 81.1 | 13 |
How Clive sits against the nearest metro
Distance to Des Moines-West Des Moines, IA is 10 miles. Appraisers borrow Des Moines-West Des Moines, IA rents, and the 19,508 residents set the ceiling on collections. Median household income runs $131,082, which is the number a funder converts into case acceptance on anything elective or cash-pay. A Medicare-certified hospital operates here, so referral flow is verifiable and the clinical wage floor is already set.
Other Iowa markets
Questions from Clive
01How many providers practice in Clive, and in what?
Across 26 fields, Clive carries 315 enumerated clinicians, 161.5 per 10,000 of the 19,508 people living here. The concentration is in physical, occupational, and speech therapy, 86 of the total, then chiropractic at 60. Count practices from that only with care.
02What does Polk County's shortage designation change?
Polk County holds a HRSA designation covering primary care, dental, mental health. A pro forma for Clive can cite it as the reason a vacancy is fillable, which is usually the weakest line in a ramp schedule.
03How does the hospital in Clive affect a practice file?
Referral flow, coverage, and the local pay scale all trace back to it. The town carries 2 Medicare-certified providers in total. A Clive projection that names the call arrangement reads better than one that assumes it.
04Which fields carry the volume in Clive?
Volume concentrates in physical, occupational, and speech therapy, 86 of them, ahead of chiropractic at 60, across 26 fields. A thin second field usually means a longer search for staff than a pro forma allows for.
05Is Clive underwritten as part of Des Moines-West Des Moines, IA?
Comparables and demand split at 10 miles. An appraiser prices the lease and the equipment off Des Moines-West Des Moines, IA; the revenue line has to hold up against 19,508 local residents.
06What does a $131,082 median income mean for case acceptance?
Median household income in Clive runs $131,082. On elective and cash-pay work that is the number a funder converts into case acceptance, and it sets how much of a treatment plan a projection can assume gets started rather than deferred.
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
Our team reviews every request within 1 business day. If a funding partner thinks they can help, a specialist from that partner contacts you to discuss next steps.