Kentucky micro-market
Healthcare practice financing in Mount Washington, Kentucky
Direct answer
29 healthcare providers hold a Mount Washington practice address, 15.4 per 10,000 of its 18,863 residents, 31 percent of them in physical, occupational, and speech therapy. Bullitt County recorded 1 SBA healthcare approvals worth $99,100, and Louisville/Jefferson County, KY-IN sits 10 miles out.
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- Population: 18,863 residents (10K-25K band)1
- Healthcare providers registered here: 29 across 12 fields2
- Median household income: $93,8523
- Largest provider field: Physical, occupational, and speech therapy: 9 registered providers2
- Nearest metro: Louisville/Jefferson County, KY-IN, 10 miles1
- SBA healthcare approvals in the county: 1 approvals totaling $99,1004
The provider census in Mount Washington
The NPPES file puts 29 enumerated clinicians inside Mount Washington, spread over 12 fields at 15.4 per 10,000 residents
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| Physical, occupational, and speech therapy | 9 | 4.8 | NPPES [2] |
| Primary care and family medicine | 3 | 1.6 | NPPES [2] |
| ABA and autism therapy | 3 | 1.6 | NPPES [2] |
| Chiropractic | 2 | 1.1 | NPPES [2] |
| General dentistry | 2 | 1.1 | NPPES [2] |
| Dental specialties | 2 | 1.1 | NPPES [2] |
| Behavioral and mental health group practices | 2 | 1.1 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 2 | 1.1 | NPPES [2] |
| DME and HME suppliers | 1 | 0.5 | NPPES [2] |
| SUD treatment and residential | 1 | 0.5 | NPPES [2] |
| Independent pharmacy | 1 | 0.5 | NPPES [2] |
| Optometry and ophthalmology | 1 | 0.5 | NPPES [2] |
| Medical equipment suppliers | 1 | CMS [5] |
Several of the 9 physical, occupational, and speech therapy enumerations can belong to one practice, so the column counts clinicians rather than businesses or owners
Loan activity in Bullitt County
1 healthcare approvals sit in the county file, so an appraiser here works from a short comparable set
| Measure | Published figure | What sits behind it |
|---|---|---|
| Approvals on record | 1 | Counted for the fiscal year the SBA publishes [4] |
| Total approved capital | $99,100 | Everything approved to healthcare borrowers, added up [4] |
| Mean deal size | $99,100 | The dollar column over the approval column [4] |
| Lenders sited in the county | 37 | Places that write credit locally, NAICS 522 [6] |
Reading Mount Washington the way a credit committee does
At 15.4 clinicians per 10,000 residents, the catchment radius in a projection has to be defended rather than assumed. Bullitt County has 1 approvals to compare against, so plan for extra appraisal time and a conservative valuation. With $93,852 as the median household income, the payer mix in a projection has to match what Mount Washington households actually spend.
The programs this provider mix points at
- Practice acquisition
- Startup and de novo
- Working capital term loan
- Expansion, relocation, and build-out
- Equipment financing and leasing
The order comes from Mount Washington's own provider mix, which physical, occupational, and speech therapy dominates at 31 percent. What a partner can actually place in Kentucky is a separate question.
The first pages of a Mount Washington file
physical, occupational, and speech therapy, primary care and family medicine, aba and autism therapy account for most of what is enumerated in Mount Washington, 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 (9) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Primary care and family medicine (3) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| ABA and autism therapy (3) | 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.
How Mount Washington prices against its neighbors
15.4 per 10,000 is the figure a neighboring town gets compared against when an appraiser prices Mount Washington
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Mount Washington (current) | 18,863 | 29 | 15.4 | |
| Shepherdsville | 14,837 | 146 | 98.4 | 9 |
| Jeffersontown | 29,388 | 27 | 9.2 | 11 |
| Bardstown | 14,104 | 251 | 178.0 | 16 |
| Shively | 15,850 | 8 | 5.0 | 18 |
| Shelbyville | 18,048 | 409 | 226.6 | 21 |
| La Grange | 10,541 | 194 | 184.0 | 26 |
What the geography does to a Mount Washington projection
10 miles separate Mount Washington from Louisville/Jefferson County, KY-IN. Lease pricing follows Louisville/Jefferson County, KY-IN, while revenue stays capped by the 18,863 residents here. At $93,852 median household income, the elective and cash-pay share of a projection is the line that gets tested first. Referral flow comes from outside Mount Washington, which a projection needs to state plainly.
Nearby Kentucky towns
- Shepherdsville 14,837 residents
- Jeffersontown 29,388 residents
- Bardstown 14,104 residents
- Shively 15,850 residents
- Shelbyville 18,048 residents
- La Grange 10,541 residents
Mount Washington owners, answered
01How many providers practice in Mount Washington, and in what?
29 enumerations sit at Mount Washington addresses in the monthly NPPES file, working out to 15.4 for every 10,000 residents. 31 percent of them are physical, occupational, and speech therapy, and primary care and family medicine follows with 3. An enumeration is a clinician, so the 29 here cover fewer than 29 practices.
02What does Bullitt County's shortage designation change?
Designated for primary care, dental, mental health, Bullitt 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.
03Why does Bullitt County show so little SBA activity?
Bullitt County shows 1 approvals in the SBA healthcare file, which means an appraiser reaches outside the county for comparables. Few sales, not weak credit, is the usual reason. 37 lending establishments operate locally.
04Is Mount Washington underwritten as part of Louisville/Jefferson County, KY-IN?
Comparables and demand split at 10 miles. An appraiser prices the lease and the equipment off Louisville/Jefferson County, KY-IN; the revenue line has to hold up against 18,863 local residents.
05Which fields carry the volume in Mount Washington?
The 12 enumerated fields are led by physical, occupational, and speech therapy at 9, with primary care and family medicine at 3 behind it. Those two counts double as the competition you are entering and the bench you would hire from.
06What does the underserved designation in Bullitt County support?
Bullitt 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
- 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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