Iowa micro-market
Healthcare practice financing in Oskaloosa, Iowa
Direct answer
Mahaska County carries 0 SBA healthcare approvals worth $0, and inside Oskaloosa the census shows 129 enumerated clinicians against 11,575 residents, 111.4 per 10,000, 24 percent of them in physical, occupational, and speech therapy. Des Moines-West Des Moines, IA lies 54 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: 11,575 residents (10K-25K band)1
- Healthcare providers registered here: 129 across 17 fields2
- Median household income: $62,1723
- Largest provider field: Physical, occupational, and speech therapy: 31 registered providers2
- Medicare-certified providers in town: 2 across 2 categories4
- Nearest metro: Des Moines-West Des Moines, IA, 54 miles1
The provider census in Oskaloosa
The NPPES file puts 129 enumerated clinicians inside Oskaloosa, spread over 17 fields at 111.4 per 10,000 residents
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| Physical, occupational, and speech therapy | 31 | 26.8 | NPPES [2] |
| Primary care and family medicine | 29 | 25.1 | NPPES [2] |
| Chiropractic | 17 | 14.7 | NPPES [2] |
| Optometry and ophthalmology | 10 | 8.6 | NPPES [2] |
| Independent pharmacy | 8 | 6.9 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 8 | 6.9 | NPPES [2] |
| Behavioral and mental health group practices | 6 | 5.2 | NPPES [2] |
| Specialty physician groups | 5 | 4.3 | NPPES [2] |
| DME and HME suppliers | 3 | 2.6 | NPPES [2] |
| General dentistry | 3 | 2.6 | NPPES [2] |
| Home health | 2 | 1.7 | NPPES [2] |
| Med spa and aesthetics | 2 | 1.7 | NPPES [2] |
| Podiatry | 1 | 0.9 | NPPES [2] |
| Dermatology | 1 | 0.9 | NPPES [2] |
| NEMT and ambulance | 1 | 0.9 | NPPES [2] |
| Hospice and palliative | 1 | 0.9 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 1 | 0.9 | NPPES [2] |
| Medical equipment suppliers | 7 | CMS [4] | |
| Hospice providers | 1 | CMS [4] | |
| Home health agencies | 1 | CMS [4] |
A single Oskaloosa practice can hold more than one of these numbers. 24 percent sit in physical, occupational, and speech therapy, counted as clinicians rather than as owners.
The lending record behind Oskaloosa
0 healthcare approvals sit in the county file, so an appraiser here works from a short comparable set
| Line | Amount | Reading and source |
|---|---|---|
| SBA healthcare approvals | 0 | Fiscal year published in the SBA file [5] |
| Approved dollars | $0 | Sum of approvals to healthcare borrowers [5] |
| Average approval | No approvals recorded | Dollars divided by approvals [5] |
| Lending establishments in the county | 11 | Credit intermediation establishments, NAICS 522 [6] |
What the two tables above change about a file
Density of 111.4 per 10,000 sets the patient draw a projection can claim without an argument. With 0 approvals on record in Mahaska County, expect a longer appraisal and a wider collateral discount. Household income of $62,172 in Oskaloosa is the number a lender uses to sanity check the self-pay share of a revenue projection.
Programs the Oskaloosa mix reaches for
- Practice acquisition
- Startup and de novo
- Working capital term loan
- Expansion, relocation, and build-out
- Equipment financing and leasing
Ranked from the 17 fields that actually practice in Oskaloosa, weighted toward physical, occupational, and speech therapy. Availability still depends on Iowa and on the funding partner.
What a funder reads first in Oskaloosa
physical, occupational, and speech therapy, primary care and family medicine, chiropractic account for most of what is enumerated in Oskaloosa, so those are the files funders see from this town
| Practice type | The pages that decide it | Typical capital event |
|---|---|---|
| Physical, occupational, and speech therapy (31) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Primary care and family medicine (29) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| Chiropractic (17) | Cash plan revenue, Personal injury receivable age, Visit volume | Startup or acquisition |
NPPES supplies the Oskaloosa counts. The reading columns describe the field in general, and no partner reviewing a Oskaloosa file is bound by them.
Oskaloosa against nearby Iowa markets
Set Oskaloosa's 111.4 per 10,000 against the towns an appraiser would reach for next
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Oskaloosa (current) | 11,575 | 129 | 111.4 | |
| Pella | 10,965 | 171 | 156.0 | 16 |
| Ottumwa | 25,648 | 174 | 67.8 | 22 |
| Newton | 15,709 | 148 | 94.2 | 35 |
| Indianola | 16,297 | 126 | 77.3 | 48 |
| Altoona | 22,598 | 167 | 73.9 | 50 |
| Pleasant Hill | 11,942 | 64 | 53.6 | 50 |
How Oskaloosa sits against the nearest metro
Distance to Des Moines-West Des Moines, IA is 54 miles. That is close enough for rent in Oskaloosa to be compared against the metro and far enough that patient draw is not. Median household income runs $62,172, 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. Campus terms, not calendar quarters, set the busy months in Oskaloosa. Oskaloosa is the Mahaska County seat, so county employment steadies the payer mix.
Other Iowa markets
Questions from Oskaloosa
01How many providers practice in Oskaloosa, and in what?
Across 17 fields, Oskaloosa carries 129 enumerated clinicians, 111.4 per 10,000 of the 11,575 people living here. The concentration is in physical, occupational, and speech therapy, 31 of the total, then primary care and family medicine at 29. Count practices from that only with care.
02Why does Mahaska County show so little SBA activity?
The published file records 0 7(a) and 504 approvals to healthcare borrowers in Mahaska County. That tracks how few Mahaska County practices changed hands that year, not credit quality. 11 credit intermediation establishments operate in Mahaska County, so the lending capacity is local even where the healthcare history is not.
03What does Mahaska County's shortage designation change?
The primary care, dental, mental health designation HRSA carries on Mahaska County is a recruiting instrument: it puts repayment incentives in front of candidates, which is how a hiring plan for 11,575 residents gets past the question of who would take the job.
04How does the hospital in Oskaloosa 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 Oskaloosa projection that names the call arrangement reads better than one that assumes it.
05What does a $62,172 median income mean for case acceptance?
Median household income in Oskaloosa runs $62,172. 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.
06Which fields carry the volume in Oskaloosa?
The 17 enumerated fields are led by physical, occupational, and speech therapy at 31, with primary care and family medicine at 29 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
- 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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