Healthcare practice financing in Oregon

Every column above shows the official source it came from. This is a reading of published Oregon material, not legal advice, and counsel should confirm it against the entity being funded. Verified

Source: SBA 7(a) and 504 approval files, fiscal year 2025. Verified

45 Oregon cities carry approvals on this file, led by PORTLAND at $7.7 million. Geographic concentration is what decides whether an appraisal leans on nearby sales or on income. Verified

Categories CMS does not certify in Oregon do not appear. A dataset that has not been read yet is labeled, not filled in. Directional

Multnomah leads Oregon with 13 certified providers, ahead of MULTNOMAH at 12. Concentration decides whether an underwriter has local precedent or has to build the case from the practice's own collections. Verified

The employer base in Oregon runs to 12,421 establishments, 2,563 of them residential care and treatment. Compare the 110 approvals and the ratio lands at 0.9 per 100, which frames how unusual a guaranteed loan is locally. Verified

Multnomah is where the Oregon base concentrates, 2,833 establishments deep. Where the base thins out, expansion is a build rather than a purchase, and the capital request changes shape with it. Verified

OEWS puts 39,730 registered nurses in Oregon at $129,010 mean. Payroll is the biggest line in most Oregon practice budgets, so a forecast that ignores the local wage is a forecast a funder discounts. Verified

Counted across primary care, dental, mental health, Oregon holds 1,678 designations. A vacancy in a designated county has a federal remedy attached; the same vacancy elsewhere is simply a gap in the schedule. Verified

• Residential care and treatment: $1.4 million average across 12 Oregon approvals worth $17.2 million, so a request in that range reads as routine rather than exceptional.
• Physician and specialty offices: 17 closings, $10.5 million approved, $619,412 typical. That average is the reference point a Oregon credit committee starts from on a similar file.
• Pharmacies: $6.9 million over 6 approvals in Oregon, $1.2 million each, which sets what a comparable request can be documented against.
• Med spa and personal care: $383,700 on average, 15 approvals, $5.8 million in total. Match $383,700 and the timeline is ordinary; ask well above it and the Oregon diligence list lengthens.
• Dental offices: 9 Oregon approvals totaling $4.8 million, $532,667 each. With only 9 Oregon approvals behind $4.8 million, the underwriter reads documents rather than precedent.
• Chiropractic offices: $4.0 million over 13 approvals in Oregon, $310,838 each, which sets what a comparable request can be documented against.
• Home health and hospice: 8 closings, $3.6 million approved, $445,038 typical. That average is the reference point a Oregon credit committee starts from on a similar file.
• Behavioral health and ABA: $285,336 on average, 11 approvals, $3.1 million in total. Match $285,336 and the timeline is ordinary; ask well above it and the Oregon diligence list lengthens.
• Home care, non-medical: average approval $318,471 over 7 closings worth $2.2 million. At $318,471 against $2.2 million of state volume, that is an equipment or fit-out request more often than an acquisition.

• The largest dollar block in Oregon is residential care and treatment: 12 approvals, $17.2 million, $1.4 million on average. At that size the underwriting question is collections history and lease term, which means the documents worth assembling before an inquiry are the last 3 years of returns and the lease.
• Next in the Oregon file is physician and specialty offices at $10.5 million over 17 approvals, followed by pharmacies. Where volume thins out, expect a longer memo, more history, and a smaller first advance.
• CMS lists 602 medical equipment suppliers in Oregon. Where that base is deep, growth capital tends to fund acquisitions; where it is shallow, it funds the wait for a license.
• 8 of the Oregon approvals came through 504 rather than 7(a), which is the real estate signal in this file: the borrower bought the premises. That program funds buildings, so the count is a rough read on how many practices here stopped renting, and it tells an owner weighing a purchase that the debenture route closes in this state.

• 110 SBA approvals to Oregon healthcare borrowers in FY2025¹
• $59.7 million approved, averaging $542,470 per loan¹
• 876 CMS-certified providers across 5 categories²

• Healthcare AR line and payroll funding
• Partner buy-in, buy-out, and refinance
• Commercial real estate, owner-occupied
• Expansion, relocation, and build-out
• Medical receivables factoring
• SBA 7(a) and 504
• Working capital term loan

• Oregon Medical Board, licensure and ownership questions for physicians
• Oregon Board of Dentistry, licensure and ownership questions for dentists
• Oregon has no verified state repayment scheme, state lending program, or financing disclosure regulator on file here

Also covered in Oregon: Newport, Medford, Grants Pass, Cottage Grove, Forest Grove, Albany, Silverton, Corvallis, Milwaukie, Happy Valley, Hermiston, North Bend, Dallas, Prineville, Lebanon, Molalla, Wilsonville, Redmond, Woodburn, Sandy, West Linn, Canby, Lake Oswego, Sherwood, Gladstone, Keizer, Troutdale, Central Point

• All states covered
• Every financing program
• South Dakota healthcare practice financing, if the practice operates across the line
• Vermont healthcare practice financing, the nearest comparable record to this one
• Wisconsin healthcare practice financing, where the same fields price differently
• General dentistry, including what collections history is asked for
• Optometry and ophthalmology, with the capital events that field actually runs
• Medical weight loss and GLP-1 clinics, and the revenue mix a funder checks first
• Audiology and hearing centers, read on the terms that field is underwritten on
• Urgent care, including what collections history is asked for
• DME and HME suppliers, including what collections history is asked for

1. 1SBA 7(a) and 504 approvals, FY2025
2. 2CMS provider certification files
3. 3NPPES provider registry
4. 4County Business Patterns 2022
5. 5BLS Occupational Employment and Wage Statistics, OEWS 2025
6. 6HRSA health professional shortage area file
7. 7Oregon corporate practice rules
8. 8Oregon certificate of need
9. 9Oregon Medical Board
10. 10Oregon Board of Dentistry