Montana micro-market
Healthcare practice financing in Missoula, Montana
Direct answer
1,384 healthcare providers hold a Missoula practice address, 177.0 per 10,000 of its 78,204 residents, 35 percent of them in physical, occupational, and speech therapy. Missoula County recorded 2 SBA healthcare approvals worth $300,000, and Missoula, MT sits 0 miles out.
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- Population: 78,204 residents (50K-100K band)1
- Healthcare providers registered here: 1,384 across 33 fields2
- Median household income: $65,3293
- Largest provider field: Physical, occupational, and speech therapy: 481 registered providers2
- Medicare-certified providers in town: 13 across 4 categories4
- Nearest metro: Missoula, MT, 0 miles1
The clinical base a lender can verify here
177.0 providers per 10,000 residents is what 1,384 enumerations across 33 fields works out to in a town of 78,204
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| Physical, occupational, and speech therapy | 481 | 61.5 | NPPES [2] |
| Primary care and family medicine | 154 | 19.7 | NPPES [2] |
| Chiropractic | 116 | 14.8 | NPPES [2] |
| Specialty physician groups | 74 | 9.5 | NPPES [2] |
| General dentistry | 69 | 8.8 | NPPES [2] |
| Behavioral and mental health group practices | 64 | 8.2 | NPPES [2] |
| Optometry and ophthalmology | 55 | 7.0 | NPPES [2] |
| Dental specialties | 40 | 5.1 | NPPES [2] |
| DME and HME suppliers | 37 | 4.7 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 30 | 3.8 | NPPES [2] |
| Independent pharmacy | 27 | 3.5 | NPPES [2] |
| Audiology and hearing centers | 25 | 3.2 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 24 | 3.1 | NPPES [2] |
| Non-medical home care | 23 | 2.9 | NPPES [2] |
| Home health | 20 | 2.6 | NPPES [2] |
| ABA and autism therapy | 20 | 2.6 | NPPES [2] |
| Telehealth and virtual clinics | 20 | 2.6 | NPPES [2] |
| Dermatology | 18 | 2.3 | NPPES [2] |
| SUD treatment and residential | 15 | 1.9 | NPPES [2] |
| Med spa and aesthetics | 13 | 1.7 | NPPES [2] |
| Clinical and toxicology labs | 9 | 1.2 | NPPES [2] |
| Occupational health and drug testing | 8 | 1.0 | NPPES [2] |
| Hormone, TRT, and men's health clinics | 7 | 0.9 | NPPES [2] |
| ASCs and OBLs | 6 | 0.8 | NPPES [2] |
| Hospice and palliative | 6 | 0.8 | NPPES [2] |
| Plastic and cosmetic surgery | 6 | 0.8 | NPPES [2] |
| NEMT and ambulance | 5 | 0.6 | NPPES [2] |
| Podiatry | 4 | 0.5 | NPPES [2] |
| Dialysis and infusion centers | 3 | 0.4 | NPPES [2] |
| Imaging centers | 2 | 0.3 | NPPES [2] |
| Sleep centers | 1 | 0.1 | NPPES [2] |
| Pain management and interventional | 1 | 0.1 | NPPES [2] |
| Fertility and IVF | 1 | 0.1 | NPPES [2] |
| Medical equipment suppliers | 27 | CMS [4] | |
| Ambulatory surgical centers | 5 | CMS [4] | |
| Hospice providers | 3 | CMS [4] | |
| Home health agencies | 3 | CMS [4] | |
| Dialysis facilities | 2 | CMS [4] |
Physical, occupational, and speech therapy carries 481 of the 1,384 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
Loan activity in Missoula County
2 healthcare approvals sit in the county file, so an appraiser here works from a short comparable set
| What it measures | Value | How to read it |
|---|---|---|
| SBA healthcare approvals | 2 | Fiscal year published in the SBA file [5] |
| Approved dollars | $300,000 | Sum of approvals to healthcare borrowers [5] |
| Average approval | $150,000 | Dollars divided by approvals [5] |
| Lending establishments in the county | 79 | Credit intermediation establishments, NAICS 522 [6] |
The consequence of these numbers
At 177.0 clinicians per 10,000 residents, the catchment radius in a projection has to be defended rather than assumed. Missoula County has 2 approvals to compare against, so plan for extra appraisal time and a conservative valuation. Household income of $65,329 in Missoula is the number a lender uses to sanity check the self-pay share of a revenue projection.
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
Built from what is enumerated here rather than from a national list, so a field with no presence in Missoula does not appear. Availability is still a Montana question.
Underwriting by field in Missoula
physical, occupational, and speech therapy, primary care and family medicine, chiropractic account for most of what is enumerated in Missoula, 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 (481) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Primary care and family medicine (154) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| Chiropractic (116) | Cash plan revenue, Personal injury receivable age, Visit volume | Startup or acquisition |
Column one counts Missoula clinicians from the federal file. Columns two and three describe how the field is usually underwritten, and a partner can read a Missoula file differently.
Missoula against nearby Montana markets
177.0 per 10,000 is the figure a neighboring town gets compared against when an appraiser prices Missoula
| Comparable | People | Enumerations | Per 10,000 residents | Miles |
|---|---|---|---|---|
| Missoula (current) | 78,204 | 1,384 | 177.0 | |
| Kalispell | 31,296 | 715 | 228.5 | 94 |
| Helena | 34,729 | 713 | 205.3 | 97 |
| Great Falls | 60,013 | 709 | 118.1 | 136 |
| Belgrade | 12,741 | 126 | 98.9 | 154 |
| Bozeman | 57,894 | 1,036 | 178.9 | 163 |
How Missoula sits against the nearest metro
Distance to Missoula, MT is 0 miles. Appraisers borrow Missoula, MT rents, and the 78,204 residents set the ceiling on collections. At $65,329 median household income, the elective and cash-pay share of a projection is the line that gets tested first. The hospital fixes two inputs a lender would otherwise estimate in a 78,204 resident town: where referrals originate, and what staff cost. Campus terms, not calendar quarters, set the busy months in Missoula. Missoula is the Missoula County seat, so county employment steadies the payer mix.
Other Montana markets
- Kalispell 31,296 residents
- Helena 34,729 residents
- Great Falls 60,013 residents
- Belgrade 12,741 residents
- Bozeman 57,894 residents
Questions from Missoula
01How many providers practice in Missoula, and in what?
Across 33 fields, Missoula carries 1,384 enumerated clinicians, 177.0 per 10,000 of the 78,204 people living here. The concentration is in physical, occupational, and speech therapy, 481 of the total, then primary care and family medicine at 154. Count practices from that only with care.
02What does Missoula County's shortage designation change?
The primary care, dental, mental health designation HRSA carries on Missoula County is a recruiting instrument: it puts repayment incentives in front of candidates, which is how a hiring plan for 78,204 residents gets past the question of who would take the job.
03Why does Missoula County show so little SBA activity?
Only 2 healthcare approvals appear for Missoula County in the published 7(a) and 504 file. Thin volume in Missoula County is a transaction count, not a verdict on borrowers here. The county still holds 79 credit intermediation establishments.
04Which fields carry the volume in Missoula?
The 33 enumerated fields are led by physical, occupational, and speech therapy at 481, with primary care and family medicine at 154 behind it. Those two counts double as the competition you are entering and the bench you would hire from.
05Is Missoula underwritten as part of Missoula, MT?
Missoula, MT sits 0 miles away, close enough that appraisers reach into that market for rent and resale comparables while your patient draw stays local. The comparables read Missoula, MT; the 78,204 residents set the ceiling a projection can defend.
06How does the hospital in Missoula affect a practice file?
Referral flow, coverage, and the local pay scale all trace back to it. The town carries 13 Medicare-certified providers in total. A Missoula projection that names the call arrangement reads better than one that assumes it.
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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