Oklahoma micro-market
Healthcare practice financing in Stillwater, Oklahoma
Direct answer
A Stillwater file is read against 496 local clinicians, 98.9 for every 10,000 of its 50,138 residents, 24 percent of them in physical, occupational, and speech therapy, plus the 0 SBA healthcare approvals worth $0 already recorded in Payne County, 48 miles from Enid, OK.
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 Oklahoma, and how many partners see it, is set out on the Oklahoma page.
- Population: 50,138 residents (50K-100K band)1
- Healthcare providers registered here: 496 across 31 fields2
- Median household income: $42,0153
- Largest provider field: Physical, occupational, and speech therapy: 119 registered providers2
- Medicare-certified providers in town: 5 across 3 categories4
- Nearest metro: Enid, OK, 48 miles1
Who is enumerated in Stillwater
The NPPES file puts 496 enumerated clinicians inside Stillwater, spread over 31 fields at 98.9 per 10,000 residents
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| Physical, occupational, and speech therapy | 119 | 23.7 | NPPES [2] |
| Behavioral and mental health group practices | 79 | 15.8 | NPPES [2] |
| Primary care and family medicine | 43 | 8.6 | NPPES [2] |
| General dentistry | 38 | 7.6 | NPPES [2] |
| Specialty physician groups | 36 | 7.2 | NPPES [2] |
| Optometry and ophthalmology | 29 | 5.8 | NPPES [2] |
| ABA and autism therapy | 23 | 4.6 | NPPES [2] |
| Chiropractic | 22 | 4.4 | NPPES [2] |
| DME and HME suppliers | 17 | 3.4 | NPPES [2] |
| Independent pharmacy | 15 | 3.0 | NPPES [2] |
| Dental specialties | 14 | 2.8 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 8 | 1.6 | NPPES [2] |
| Home health | 7 | 1.4 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 6 | 1.2 | NPPES [2] |
| Dermatology | 5 | 1.0 | NPPES [2] |
| Audiology and hearing centers | 5 | 1.0 | NPPES [2] |
| Hospice and palliative | 4 | 0.8 | NPPES [2] |
| Telehealth and virtual clinics | 4 | 0.8 | NPPES [2] |
| ASCs and OBLs | 3 | 0.6 | NPPES [2] |
| Dialysis and infusion centers | 3 | 0.6 | NPPES [2] |
| Sleep centers | 2 | 0.4 | NPPES [2] |
| SUD treatment and residential | 2 | 0.4 | NPPES [2] |
| NEMT and ambulance | 2 | 0.4 | NPPES [2] |
| Med spa and aesthetics | 2 | 0.4 | NPPES [2] |
| Occupational health and drug testing | 2 | 0.4 | NPPES [2] |
| Podiatry | 1 | 0.2 | NPPES [2] |
| Imaging centers | 1 | 0.2 | NPPES [2] |
| Non-medical home care | 1 | 0.2 | NPPES [2] |
| Clinical research sites | 1 | 0.2 | NPPES [2] |
| Hormone, TRT, and men's health clinics | 1 | 0.2 | NPPES [2] |
| Clinical and toxicology labs | 1 | 0.2 | NPPES [2] |
| Medical equipment suppliers | 16 | CMS [4] | |
| Home health agencies | 3 | CMS [4] | |
| Hospice providers | 1 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] |
Several of the 119 physical, occupational, and speech therapy enumerations can belong to one practice, so the column counts clinicians rather than businesses or owners
Payne County approvals, dollars, and lending establishments
The county file holds 0 healthcare approvals, which is a thin comparable set for anyone pricing collateral
| Measure | Published figure | What sits behind it |
|---|---|---|
| Healthcare files approved | 0 | One published fiscal year, healthcare borrowers only [5] |
| Dollars behind them | $0 | Approved, not disbursed, and not net of withdrawals [5] |
| Typical approval size | No approvals recorded | A mean, so one large approval moves it [5] |
| Credit offices operating locally | 53 | Credit intermediation offices sited in the county [6] |
What the two tables above change about a file
At 98.9 clinicians per 10,000 residents, the catchment radius in a projection has to be defended rather than assumed. Payne County has 0 approvals to compare against, so plan for extra appraisal time and a conservative valuation. A $42,015 median household income here sets the ceiling on what an elective or cash-pay line can be expected to carry.
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 Stillwater's own provider mix, which physical, occupational, and speech therapy dominates at 24 percent. What a partner can actually place in Oklahoma is a separate question.
The first pages of a Stillwater file
physical, occupational, and speech therapy, behavioral and mental health group practices, primary care and family medicine account for most of what is enumerated in Stillwater, so those are the files funders see from this town
| Field | What the file turns on | The capital event behind most requests |
|---|---|---|
| Physical, occupational, and speech therapy (119) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Behavioral and mental health group practices (79) | Clinician retention and productivity, Payer mix and Medicaid concentration, Re-authorization and session limit exposure | Working capital through the credentialing lag |
| Primary care and family medicine (43) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
The first column is Stillwater's own NPPES count. The rest is how the field is generally underwritten, whether the address is Stillwater or anywhere else.
Stillwater against nearby Oklahoma markets
The neighboring markets below are the ones a valuation borrows from when Stillwater has too few sales of its own
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Stillwater (current) | 50,138 | 496 | 98.9 | |
| Guthrie | 11,682 | 136 | 116.4 | 26 |
| Edmond | 99,040 | 1,773 | 179.0 | 37 |
| Choctaw | 12,358 | 112 | 90.6 | 46 |
| Enid | 50,519 | 519 | 102.7 | 48 |
| Warr Acres | 10,456 | 56 | 53.6 | 52 |
| Bethany | 20,421 | 225 | 110.2 | 53 |
Distance, income, and the wage floor around Stillwater
Enid, OK lies 48 miles from Stillwater, close enough for rent comparables to travel and far enough that patient draw does not. At $42,015 median household income, the elective and cash-pay share of a projection is the line that gets tested first. Hospital coverage inside Stillwater means a call schedule can be evidenced rather than described. Higher education here explains why summer looks unlike the rest of the year. Stillwater is the Payne County seat, so county employment steadies the payer mix.
Other Oklahoma markets
Stillwater owners, answered
01How many providers practice in Stillwater, and in what?
Across 31 fields, Stillwater carries 496 enumerated clinicians, 98.9 per 10,000 of the 50,138 people living here. The concentration is in physical, occupational, and speech therapy, 119 of the total, then behavioral and mental health group practices at 79. Count practices from that only with care.
02Why does Payne County show so little SBA activity?
The published file records 0 7(a) and 504 approvals to healthcare borrowers in Payne County. That tracks how few Payne County practices changed hands that year, not credit quality. 53 credit intermediation establishments operate in Payne County, so the lending capacity is local even where the healthcare history is not.
03Is Stillwater underwritten as part of Enid, OK?
Enid, OK sits 48 miles away, close enough that appraisers reach into that market for rent and resale comparables while your patient draw stays local. The comparables read Enid, OK; the 50,138 residents set the ceiling a projection can defend.
04Which fields carry the volume in Stillwater?
Volume concentrates in physical, occupational, and speech therapy, 119 of them, ahead of behavioral and mental health group practices at 79, across 31 fields. A thin second field usually means a longer search for staff than a pro forma allows for.
05What does Payne County's shortage designation change?
HRSA designates Payne County for primary care, dental, mental health. That opens loan repayment programs for clinicians recruited into Stillwater and evidences a staffing ramp in a 50,138 resident market.
06How does the hospital in Stillwater affect a practice file?
It makes the staffing and referral lines checkable. 5 Medicare-certified providers hold Stillwater addresses, and the hospital sets the wage a clinical hire is bid against in a 98.9 per 10,000 market.
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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