Minnesota micro-market
Healthcare practice financing in Cambridge, Minnesota
Direct answer
10,974 residents, 180 enumerated clinicians, 164.0 per 10,000, 30 percent of them in physical, occupational, and speech therapy: that is the Cambridge market a funder prices. Isanti County adds 1 healthcare approvals worth $500,000 and 41 miles of distance to Minneapolis-St. Paul-Bloomington, MN-WI.
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 Minnesota, and how many partners see it, is set out on the Minnesota page.
- Population: 10,974 residents (10K-25K band)1
- Healthcare providers registered here: 180 across 21 fields2
- Median household income: $67,6323
- Largest provider field: Physical, occupational, and speech therapy: 54 registered providers2
- Medicare-certified providers in town: 1 across 1 categories4
- Nearest metro: Minneapolis-St. Paul-Bloomington, MN-WI, 41 miles1
Fields practicing inside Cambridge
Counted at the town's own addresses: 180 providers, 21 fields, 164.0 clinicians per 10,000 of the 10,974 residents here
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Physical, occupational, and speech therapy | 54 | 49.2 | NPPES [2] |
| Primary care and family medicine | 34 | 31.0 | NPPES [2] |
| General dentistry | 14 | 12.8 | NPPES [2] |
| Chiropractic | 13 | 11.8 | NPPES [2] |
| Optometry and ophthalmology | 12 | 10.9 | NPPES [2] |
| DME and HME suppliers | 6 | 5.5 | NPPES [2] |
| Audiology and hearing centers | 6 | 5.5 | NPPES [2] |
| ABA and autism therapy | 5 | 4.6 | NPPES [2] |
| Specialty physician groups | 5 | 4.6 | NPPES [2] |
| Behavioral and mental health group practices | 5 | 4.6 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 5 | 4.6 | NPPES [2] |
| Independent pharmacy | 4 | 3.6 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 4 | 3.6 | NPPES [2] |
| Dental specialties | 3 | 2.7 | NPPES [2] |
| Podiatry | 2 | 1.8 | NPPES [2] |
| Home health | 2 | 1.8 | NPPES [2] |
| Med spa and aesthetics | 2 | 1.8 | NPPES [2] |
| Urgent care | 1 | 0.9 | NPPES [2] |
| IDD services | 1 | 0.9 | NPPES [2] |
| Non-medical home care | 1 | 0.9 | NPPES [2] |
| Dialysis and infusion centers | 1 | 0.9 | NPPES [2] |
| Medical equipment suppliers | 10 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] |
A single Cambridge 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.
Isanti County approvals, dollars, and lending establishments
With 1 healthcare approvals recorded, Isanti County gives a valuation almost nothing local to lean on
| Line | Amount | Reading and source |
|---|---|---|
| SBA healthcare approvals | 1 | Counted for the fiscal year the SBA publishes [5] |
| Approved dollars | $500,000 | Everything approved to healthcare borrowers, added up [5] |
| Average approval | $500,000 | The dollar column over the approval column [5] |
| Lending establishments in the county | 17 | Places that write credit locally, NAICS 522 [6] |
The consequence of these numbers
A file from here opens on 164.0 providers per 10,000 residents, and everything about volume follows from it. With 1 approvals on record in Isanti County, expect a longer appraisal and a wider collateral discount. With $67,632 as the median household income, the payer mix in a projection has to match what Cambridge households actually spend.
Programs the Cambridge mix reaches for
- Practice acquisition
- Startup and de novo
- Working capital term loan
- Expansion, relocation, and build-out
- Equipment financing and leasing
The 21 fields practicing locally set this order. A funding partner, not this list, decides what is available in Minnesota.
The first pages of a Cambridge file
What a funder opens first depends on the field. In Cambridge that means physical, occupational, and speech therapy, primary care and family medicine, general dentistry.
| Field | What the file turns on | The capital event behind most requests |
|---|---|---|
| Physical, occupational, and speech therapy (54) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Primary care and family medicine (34) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| General dentistry (14) | Three years of collections history, Hygiene as a share of collections, Overhead ratio and owner add-backs | Acquisition of an established practice |
Counts in the first column are Cambridge providers from NPPES. The other two columns describe how funders read that field across markets like Cambridge, not what any funder will do with your file.
Density beside the neighboring Minnesota towns
The neighboring markets below are the ones a valuation borrows from when Cambridge has too few sales of its own
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Cambridge (current) | 10,974 | 180 | 164.0 | |
| North Branch | 12,258 | 56 | 45.7 | 14 |
| Ham Lake | 16,905 | 37 | 21.9 | 21 |
| Andover | 33,426 | 219 | 65.5 | 22 |
| Elk River | 27,606 | 181 | 65.6 | 23 |
| Ramsey | 28,999 | 83 | 28.6 | 23 |
| Anoka | 18,068 | 257 | 142.2 | 25 |
How Cambridge sits against the nearest metro
Distance to Minneapolis-St. Paul-Bloomington, MN-WI is 41 miles. That is close enough for rent in Cambridge to be compared against the metro and far enough that patient draw is not. Median household income runs $67,632, which is the number a funder converts into case acceptance on anything elective or cash-pay. Wages here are anchored by the Medicare-certified hospital in town, which is what a staffing line gets measured against. Cambridge is the Isanti County seat, so county employment steadies the payer mix.
Nearby Minnesota towns
Cambridge owners, answered
01How many providers practice in Cambridge, and in what?
NPPES lists 180 providers at a Cambridge practice address, 164.0 per 10,000 residents across 21 tracked fields. Physical, occupational, and speech therapy accounts for 54 of them, 30 percent of the total, with primary care and family medicine next at 34. Read that as clinicians: 180 enumerations, not 180 owners.
02Why does Isanti County show so little SBA activity?
Isanti 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. 17 lending establishments operate locally.
03How does the hospital in Cambridge affect a practice file?
A Medicare-certified hospital operates in the town, which gives referral flow, a call schedule, and a clinical labor pool a funder can verify. 1 Medicare-certified providers are located here in total. It also sets the wage floor behind every hire in a 164.0 per 10,000 market.
04What does Isanti County's shortage designation change?
HRSA designates Isanti County for mental health. That opens loan repayment programs for clinicians recruited into Cambridge and evidences a staffing ramp in a 10,974 resident market.
05Is Cambridge underwritten as part of Minneapolis-St. Paul-Bloomington, MN-WI?
Minneapolis-St. Paul-Bloomington, MN-WI sits 41 miles away, close enough that appraisers reach into that market for rent and resale comparables while your patient draw stays local. The comparables read Minneapolis-St. Paul-Bloomington, MN-WI; the 10,974 residents set the ceiling a projection can defend.
06Does being the Isanti County seat change anything?
Cambridge is the Isanti County seat, so county payroll steadies the payer mix and courthouse traffic keeps the daytime population above the 10,974 residents on the census. Both show up as a flatter seasonal curve in a collections history.
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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