Oregon micro-market
Healthcare practice financing in Ashland, Oregon
Direct answer
Density decides a lot here. Ashland runs 169.6 providers per 10,000 residents, 355 clinicians against 20,935 people, 22 percent of them in physical, occupational, and speech therapy, while Jackson County lenders have approved 9 healthcare files worth $3,554,000 and the nearest metro is 13 miles out.
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 Oregon, and how many partners see it, is set out on the Oregon page.
- Population: 20,935 residents (10K-25K band)1
- Healthcare providers registered here: 355 across 26 fields2
- Median household income: $71,7823
- Largest provider field: Physical, occupational, and speech therapy: 77 registered providers2
- Medicare-certified providers in town: 1 across 1 categories4
- Nearest metro: Medford, OR, 13 miles1
The clinical base a lender can verify here
The NPPES file puts 355 enumerated clinicians inside Ashland, spread over 26 fields at 169.6 per 10,000 residents
| Practice type | Count | Rate per 10,000 residents | Published by |
|---|---|---|---|
| Physical, occupational, and speech therapy | 77 | 36.8 | NPPES [2] |
| Primary care and family medicine | 56 | 26.7 | NPPES [2] |
| Chiropractic | 44 | 21.0 | NPPES [2] |
| Behavioral and mental health group practices | 33 | 15.8 | NPPES [2] |
| Optometry and ophthalmology | 27 | 12.9 | NPPES [2] |
| General dentistry | 23 | 11.0 | NPPES [2] |
| ABA and autism therapy | 22 | 10.5 | NPPES [2] |
| Specialty physician groups | 20 | 9.6 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 9 | 4.3 | NPPES [2] |
| DME and HME suppliers | 7 | 3.3 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 7 | 3.3 | NPPES [2] |
| Telehealth and virtual clinics | 5 | 2.4 | NPPES [2] |
| Non-medical home care | 4 | 1.9 | NPPES [2] |
| NEMT and ambulance | 3 | 1.4 | NPPES [2] |
| Plastic and cosmetic surgery | 3 | 1.4 | NPPES [2] |
| Occupational health and drug testing | 3 | 1.4 | NPPES [2] |
| SUD treatment and residential | 2 | 1.0 | NPPES [2] |
| Dental specialties | 2 | 1.0 | NPPES [2] |
| Home health | 1 | 0.5 | NPPES [2] |
| ASCs and OBLs | 1 | 0.5 | NPPES [2] |
| Pain management and interventional | 1 | 0.5 | NPPES [2] |
| Audiology and hearing centers | 1 | 0.5 | NPPES [2] |
| Med spa and aesthetics | 1 | 0.5 | NPPES [2] |
| Hormone, TRT, and men's health clinics | 1 | 0.5 | NPPES [2] |
| Clinical and toxicology labs | 1 | 0.5 | NPPES [2] |
| Dialysis and infusion centers | 1 | 0.5 | NPPES [2] |
| Medical equipment suppliers | 2 | CMS [4] | |
| Ambulatory surgical centers | 1 | CMS [4] |
Several of the 77 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 Jackson County
With 9 healthcare approvals recorded, Jackson County gives a valuation almost nothing local to lean on
| Measure | Published figure | What sits behind it |
|---|---|---|
| Approvals on record | 9 | Counted for the fiscal year the SBA publishes [5] |
| Total approved capital | $3,554,000 | Everything approved to healthcare borrowers, added up [5] |
| Mean deal size | $394,889 | The dollar column over the approval column [5] |
| Lenders sited in the county | 120 | Places that write credit locally, NAICS 522 [6] |
How this data lands in an underwriting decision
Density of 169.6 per 10,000 sets the patient draw a projection can claim without an argument. Jackson County has 9 approvals to compare against, so plan for extra appraisal time and a conservative valuation. With $71,782 as the median household income, the payer mix in a projection has to match what Ashland households actually spend.
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
Weighted by how often each of the 26 local fields reaches for a program, not by what is easiest to refer. Oregon rules and the partner decide availability.
Underwriting by field in Ashland
Drawn from the fields that actually practice here: physical, occupational, and speech therapy, primary care and family medicine, chiropractic
| Practice type | The pages that decide it | Typical capital event |
|---|---|---|
| Physical, occupational, and speech therapy (77) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Primary care and family medicine (56) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| Chiropractic (44) | Cash plan revenue, Personal injury receivable age, Visit volume | Startup or acquisition |
Local counts come from NPPES. What a file turns on is drawn from how the field is generally reviewed, not from any decision about your practice.
How Ashland prices against its neighbors
Comparables travel. These are the Oregon towns whose density, at 169.6 per 10,000 here, gets weighed beside this one.
| Comparable | People | Enumerations | Per 10,000 residents | Miles |
|---|---|---|---|---|
| Ashland (current) | 20,935 | 355 | 169.6 | |
| Medford | 86,301 | 1,189 | 137.8 | 13 |
| Central Point | 19,128 | 124 | 64.8 | 17 |
| Grants Pass | 39,468 | 639 | 161.9 | 36 |
| Klamath Falls | 22,174 | 497 | 224.1 | 47 |
| Roseburg | 23,795 | 589 | 247.5 | 79 |
| Cottage Grove | 10,690 | 77 | 72.0 | 112 |
What the geography does to a Ashland projection
13 miles separate Ashland from Medford, OR. Lease pricing follows Medford, OR, while revenue stays capped by the 20,935 residents here. At $71,782 median household income, the elective and cash-pay share of a projection is the line that gets tested first. Wages here are anchored by the Medicare-certified hospital in town, which is what a staffing line gets measured against. Higher education here explains why summer looks unlike the rest of the year.
Nearby Oregon towns
- Medford 86,301 residents
- Central Point 19,128 residents
- Grants Pass 39,468 residents
- Klamath Falls 22,174 residents
- Roseburg 23,795 residents
- Cottage Grove 10,690 residents
What owners in Ashland ask
01How many providers practice in Ashland, and in what?
Across 26 fields, Ashland carries 355 enumerated clinicians, 169.6 per 10,000 of the 20,935 people living here. The concentration is in physical, occupational, and speech therapy, 77 of the total, then primary care and family medicine at 56. Count practices from that only with care.
02What does Jackson County's shortage designation change?
Jackson County holds a HRSA designation covering primary care, dental, mental health. A pro forma for Ashland can cite it as the reason a vacancy is fillable, which is usually the weakest line in a ramp schedule.
03Why does Jackson County show so little SBA activity?
Jackson County shows 9 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. 120 lending establishments operate locally.
04How does the hospital in Ashland 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 169.6 per 10,000 market.
05Which fields carry the volume in Ashland?
The 26 enumerated fields are led by physical, occupational, and speech therapy at 77, with primary care and family medicine at 56 behind it. Those two counts double as the competition you are entering and the bench you would hire from.
06Is Ashland underwritten as part of Medford, OR?
Medford, OR sits 13 miles away, close enough that appraisers reach into that market for rent and resale comparables while your patient draw stays local. The comparables read Medford, OR; the 20,935 residents set the ceiling a projection can defend.
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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