Oregon micro-market
Healthcare practice financing in Coos Bay, Oregon
Direct answer
Coos County carries 1 SBA healthcare approvals worth $50,000, and inside Coos Bay the census shows 256 enumerated clinicians against 15,801 residents, 162.0 per 10,000, 23 percent of them in physical, occupational, and speech therapy. Eugene-Springfield, OR lies 73 miles away.
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: 15,801 residents (10K-25K band)1
- Healthcare providers registered here: 256 across 29 fields2
- Median household income: $55,2923
- Largest provider field: Physical, occupational, and speech therapy: 59 registered providers2
- Medicare-certified providers in town: 8 across 4 categories4
- Nearest metro: Eugene-Springfield, OR, 73 miles1
The clinical base a lender can verify here
256 providers across 29 fields, 162.0 per 10,000 residents, counted at Coos Bay addresses in the NPPES monthly file
| Practice type | Count | Rate per 10,000 residents | Published by |
|---|---|---|---|
| Physical, occupational, and speech therapy | 59 | 37.3 | NPPES [2] |
| Specialty physician groups | 32 | 20.3 | NPPES [2] |
| Behavioral and mental health group practices | 29 | 18.4 | NPPES [2] |
| Primary care and family medicine | 27 | 17.1 | NPPES [2] |
| General dentistry | 17 | 10.8 | NPPES [2] |
| Chiropractic | 12 | 7.6 | NPPES [2] |
| DME and HME suppliers | 7 | 4.4 | NPPES [2] |
| Independent pharmacy | 7 | 4.4 | NPPES [2] |
| Med spa and aesthetics | 6 | 3.8 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 6 | 3.8 | NPPES [2] |
| Non-medical home care | 5 | 3.2 | NPPES [2] |
| ABA and autism therapy | 5 | 3.2 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 5 | 3.2 | NPPES [2] |
| Dental specialties | 4 | 2.5 | NPPES [2] |
| Audiology and hearing centers | 4 | 2.5 | NPPES [2] |
| Optometry and ophthalmology | 4 | 2.5 | NPPES [2] |
| Dermatology | 3 | 1.9 | NPPES [2] |
| ASCs and OBLs | 3 | 1.9 | NPPES [2] |
| NEMT and ambulance | 3 | 1.9 | NPPES [2] |
| Hospice and palliative | 3 | 1.9 | NPPES [2] |
| Home health | 2 | 1.3 | NPPES [2] |
| Pain management and interventional | 2 | 1.3 | NPPES [2] |
| Clinical and toxicology labs | 2 | 1.3 | NPPES [2] |
| Dialysis and infusion centers | 2 | 1.3 | NPPES [2] |
| Telehealth and virtual clinics | 2 | 1.3 | NPPES [2] |
| Occupational health and drug testing | 2 | 1.3 | NPPES [2] |
| Hormone, TRT, and men's health clinics | 1 | 0.6 | NPPES [2] |
| IV hydration and infusion | 1 | 0.6 | NPPES [2] |
| Plastic and cosmetic surgery | 1 | 0.6 | NPPES [2] |
| Medical equipment suppliers | 6 | CMS [4] | |
| Ambulatory surgical centers | 2 | CMS [4] | |
| Hospice providers | 2 | CMS [4] | |
| Dialysis facilities | 2 | CMS [4] | |
| Home health agencies | 2 | CMS [4] |
Several of the 59 physical, occupational, and speech therapy enumerations can belong to one practice, so the column counts clinicians rather than businesses or owners
What Coos County credit files already show
1 healthcare approvals sit in the county file, so an appraiser here works from a short comparable set
| Measure | Published figure | What sits behind it |
|---|---|---|
| Approvals on record | 1 | Counted for the fiscal year the SBA publishes [5] |
| Total approved capital | $50,000 | Everything approved to healthcare borrowers, added up [5] |
| Mean deal size | $50,000 | The dollar column over the approval column [5] |
| Lenders sited in the county | 29 | Places that write credit locally, NAICS 522 [6] |
What the two tables above change about a file
A file from here opens on 162.0 providers per 10,000 residents, and everything about volume follows from it. Coos County has 1 approvals to compare against, so plan for extra appraisal time and a conservative valuation. Household income of $55,292 in Coos Bay 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
- Expansion, relocation, and build-out
- Working capital term loan
- Equipment financing and leasing
The 29 fields practicing locally set this order. A funding partner, not this list, decides what is available in Oregon.
What a funder reads first in Coos Bay
What a funder opens first depends on the field. In Coos Bay that means physical, occupational, and speech therapy, specialty physician groups, behavioral and mental health group practices.
| Practice type | The pages that decide it | Typical capital event |
|---|---|---|
| Physical, occupational, and speech therapy (59) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Specialty physician groups (32) | Ancillary revenue contribution, Provider productivity, Payer contracts | Ancillary build-out |
| Behavioral and mental health group practices (29) | Clinician retention and productivity, Payer mix and Medicaid concentration, Re-authorization and session limit exposure | Working capital through the credentialing lag |
Column one counts Coos Bay clinicians from the federal file. Columns two and three describe how the field is usually underwritten, and a partner can read a Coos Bay file differently.
How Coos Bay prices against its neighbors
Density is the number that moves an appraisal: 162.0 per 10,000 here
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Coos Bay (current) | 15,801 | 256 | 162.0 | |
| North Bend | 10,049 | 114 | 113.4 | 2 |
| Roseburg | 23,795 | 589 | 247.5 | 45 |
| Cottage Grove | 10,690 | 77 | 72.0 | 66 |
| Springfield | 61,182 | 548 | 89.6 | 78 |
| Grants Pass | 39,468 | 639 | 161.9 | 80 |
| Newport | 10,833 | 177 | 163.4 | 86 |
What the geography does to a Coos Bay projection
73 miles separate Coos Bay from Eugene-Springfield, OR. Equipment sold at that distance has no local buyer, and the advance rate carries the discount. At $55,292 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 15,801 resident town: where referrals originate, and what staff cost. Higher education here explains why summer looks unlike the rest of the year.
Nearby Oregon towns
- North Bend 10,049 residents
- Roseburg 23,795 residents
- Cottage Grove 10,690 residents
- Springfield 61,182 residents
- Grants Pass 39,468 residents
- Newport 10,833 residents
What owners in Coos Bay ask
01How many providers practice in Coos Bay, and in what?
Across 29 fields, Coos Bay carries 256 enumerated clinicians, 162.0 per 10,000 of the 15,801 people living here. The concentration is in physical, occupational, and speech therapy, 59 of the total, then specialty physician groups at 32. Count practices from that only with care.
02Does being 73 miles out change the underwriting?
Eugene-Springfield, OR is 73 miles away, far enough that rent and equipment resale comparables get pulled from Coos County rather than a metro market. At 73 miles the appraisal window runs longer and equipment resale gets discounted.
03What does Coos County's shortage designation change?
HRSA designates Coos County for primary care, dental, mental health. That opens loan repayment programs for clinicians recruited into Coos Bay and evidences a staffing ramp in a 15,801 resident market.
04Why does Coos County show so little SBA activity?
Coos County shows 1 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. 29 lending establishments operate locally.
05How does the hospital in Coos Bay 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. 8 Medicare-certified providers are located here in total. It also sets the wage floor behind every hire in a 162.0 per 10,000 market.
06Which fields carry the volume in Coos Bay?
Physical, occupational, and speech therapy at 59 providers and specialty physician groups at 32 lead the 29 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.
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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