Montana micro-market
Healthcare practice financing in Bozeman, Montana
Direct answer
Gallatin County carries 6 SBA healthcare approvals worth $3,689,900, and inside Bozeman the census shows 1,036 enumerated clinicians against 57,894 residents, 178.9 per 10,000, 32 percent of them in physical, occupational, and speech therapy. Bozeman, MT lies 0 miles away.
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- Population: 57,894 residents (50K-100K band)1
- Healthcare providers registered here: 1,036 across 35 fields2
- Median household income: $79,9033
- Largest provider field: Physical, occupational, and speech therapy: 327 registered providers2
- Medicare-certified providers in town: 11 across 4 categories4
- Nearest metro: Bozeman, MT, 0 miles1
Who is enumerated in Bozeman
Counted at the town's own addresses: 1,036 providers, 35 fields, 178.9 clinicians per 10,000 of the 57,894 residents here
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Physical, occupational, and speech therapy | 327 | 56.5 | NPPES [2] |
| Chiropractic | 98 | 16.9 | NPPES [2] |
| Primary care and family medicine | 77 | 13.3 | NPPES [2] |
| Behavioral and mental health group practices | 76 | 13.1 | NPPES [2] |
| Specialty physician groups | 75 | 13.0 | NPPES [2] |
| General dentistry | 60 | 10.4 | NPPES [2] |
| Optometry and ophthalmology | 53 | 9.2 | NPPES [2] |
| Dental specialties | 35 | 6.0 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 33 | 5.7 | NPPES [2] |
| ABA and autism therapy | 28 | 4.8 | NPPES [2] |
| DME and HME suppliers | 26 | 4.5 | NPPES [2] |
| Dermatology | 19 | 3.3 | NPPES [2] |
| Independent pharmacy | 13 | 2.2 | NPPES [2] |
| Audiology and hearing centers | 13 | 2.2 | NPPES [2] |
| Non-medical home care | 11 | 1.9 | NPPES [2] |
| ASCs and OBLs | 10 | 1.7 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 10 | 1.7 | NPPES [2] |
| Med spa and aesthetics | 9 | 1.6 | NPPES [2] |
| Home health | 8 | 1.4 | NPPES [2] |
| Hospice and palliative | 8 | 1.4 | NPPES [2] |
| Plastic and cosmetic surgery | 7 | 1.2 | NPPES [2] |
| SUD treatment and residential | 6 | 1.0 | NPPES [2] |
| Telehealth and virtual clinics | 5 | 0.9 | NPPES [2] |
| Occupational health and drug testing | 5 | 0.9 | NPPES [2] |
| NEMT and ambulance | 4 | 0.7 | NPPES [2] |
| Podiatry | 3 | 0.5 | NPPES [2] |
| Hormone, TRT, and men's health clinics | 3 | 0.5 | NPPES [2] |
| Urgent care | 2 | 0.3 | NPPES [2] |
| Imaging centers | 2 | 0.3 | NPPES [2] |
| Fertility and IVF | 2 | 0.3 | NPPES [2] |
| IV hydration and infusion | 2 | 0.3 | NPPES [2] |
| Clinical and toxicology labs | 2 | 0.3 | NPPES [2] |
| Dialysis and infusion centers | 2 | 0.3 | NPPES [2] |
| Sleep centers | 1 | 0.2 | NPPES [2] |
| Clinical research sites | 1 | 0.2 | NPPES [2] |
| Medical equipment suppliers | 18 | CMS [4] | |
| Ambulatory surgical centers | 4 | CMS [4] | |
| Hospice providers | 4 | CMS [4] | |
| Home health agencies | 2 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] |
Several of the 327 physical, occupational, and speech therapy enumerations can belong to one practice, so the column counts clinicians rather than businesses or owners
What lenders have already approved in Gallatin County
With 6 healthcare approvals recorded, Gallatin County gives a valuation almost nothing local to lean on
| Measure | Published figure | What sits behind it |
|---|---|---|
| Approvals on record | 6 | Fiscal year published in the SBA file [5] |
| Total approved capital | $3,689,900 | Sum of approvals to healthcare borrowers [5] |
| Mean deal size | $614,983 | Dollars divided by approvals [5] |
| Lenders sited in the county | 90 | Credit intermediation establishments, NAICS 522 [6] |
Reading Bozeman the way a credit committee does
At 178.9 clinicians per 10,000 residents, the catchment radius in a projection has to be defended rather than assumed. A short county record of 6 approvals usually means more documentation and a lower advance against the same collateral. With $79,903 as the median household income, the payer mix in a projection has to match what Bozeman households actually spend.
Programs the Bozeman 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 35 fields that actually practice in Bozeman, weighted toward physical, occupational, and speech therapy. Availability still depends on Montana and on the funding partner.
Underwriting by field in Bozeman
What a funder opens first depends on the field. In Bozeman that means physical, occupational, and speech therapy, chiropractic, primary care and family medicine.
| Practice type | The pages that decide it | Typical capital event |
|---|---|---|
| Physical, occupational, and speech therapy (327) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Chiropractic (98) | Cash plan revenue, Personal injury receivable age, Visit volume | Startup or acquisition |
| Primary care and family medicine (77) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
Counts in the first column are Bozeman providers from NPPES. The other two columns describe how funders read that field across markets like Bozeman, not what any funder will do with your file.
Density beside the neighboring Montana towns
Comparables travel. These are the Montana towns whose density, at 178.9 per 10,000 here, gets weighed beside this one.
| Comparable | People | Enumerations | Per 10,000 residents | Miles |
|---|---|---|---|---|
| Bozeman (current) | 57,894 | 1,036 | 178.9 | |
| Belgrade | 12,741 | 126 | 98.9 | 9 |
| Helena | 34,729 | 713 | 205.3 | 78 |
| Great Falls | 60,013 | 709 | 118.1 | 126 |
| Missoula | 78,204 | 1,384 | 177.0 | 165 |
| Kalispell | 31,296 | 715 | 228.5 | 235 |
What the geography does to a Bozeman projection
0 miles separate Bozeman from Bozeman, MT. Lease pricing follows Bozeman, MT, while revenue stays capped by the 57,894 residents here. Households here carry $79,903 in median income, and that ceiling decides how much of a treatment plan gets started rather than deferred. Hospital coverage inside Bozeman means a call schedule can be evidenced rather than described. A degree-granting institution here moves volume on the academic calendar. Bozeman is the Gallatin County seat, so county employment steadies the payer mix.
Other Montana markets
- Belgrade 12,741 residents
- Helena 34,729 residents
- Great Falls 60,013 residents
- Missoula 78,204 residents
- Kalispell 31,296 residents
Bozeman owners, answered
01How many providers practice in Bozeman, and in what?
Across 35 fields, Bozeman carries 1,036 enumerated clinicians, 178.9 per 10,000 of the 57,894 people living here. The concentration is in physical, occupational, and speech therapy, 327 of the total, then chiropractic at 98. Count practices from that only with care.
02What does Gallatin County's shortage designation change?
The primary care, dental, mental health designation HRSA carries on Gallatin County is a recruiting instrument: it puts repayment incentives in front of candidates, which is how a hiring plan for 57,894 residents gets past the question of who would take the job.
03Why does Gallatin County show so little SBA activity?
Only 6 healthcare approvals appear for Gallatin County in the published 7(a) and 504 file. Thin volume in Gallatin County is a transaction count, not a verdict on borrowers here. The county still holds 90 credit intermediation establishments.
04How does the hospital in Bozeman affect a practice file?
Referral flow, coverage, and the local pay scale all trace back to it. The town carries 11 Medicare-certified providers in total. A Bozeman projection that names the call arrangement reads better than one that assumes it.
05Which fields carry the volume in Bozeman?
Physical, occupational, and speech therapy at 327 providers and chiropractic at 98 lead the 35 fields enumerated here. A funder reads that mix as the local competition set and the local hiring pool at once, before it reads a single line of your own numbers.
06Is there local lending capacity in Gallatin County?
County Business Patterns records 90 credit intermediation establishments in Gallatin County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Bozeman rents and resale before or by somebody working from a screen.
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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