Oregon micro-market
Healthcare practice financing in Cottage Grove, Oregon
Direct answer
A Cottage Grove file is read against 77 local clinicians, 72.0 for every 10,000 of its 10,690 residents, 25 percent of them in behavioral and mental health group practices, plus the 13 SBA healthcare approvals worth $6,597,600 already recorded in Lane County, 18 miles from Eugene-Springfield, OR.
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: 10,690 residents (10K-25K band)1
- Healthcare providers registered here: 77 across 16 fields2
- Median household income: $64,1333
- Largest provider field: Behavioral and mental health group practices: 19 registered providers2
- Nearest metro: Eugene-Springfield, OR, 18 miles1
- Hospital: A Medicare-certified hospital operates in the town4
Who is enumerated in Cottage Grove
Counted at the town's own addresses: 77 providers, 16 fields, 72.0 clinicians per 10,000 of the 10,690 residents here
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Behavioral and mental health group practices | 19 | 17.8 | NPPES [2] |
| Primary care and family medicine | 16 | 15.0 | NPPES [2] |
| Chiropractic | 7 | 6.5 | NPPES [2] |
| Physical, occupational, and speech therapy | 7 | 6.5 | NPPES [2] |
| General dentistry | 5 | 4.7 | NPPES [2] |
| DME and HME suppliers | 4 | 3.7 | NPPES [2] |
| Independent pharmacy | 3 | 2.8 | NPPES [2] |
| Specialty physician groups | 3 | 2.8 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 3 | 2.8 | NPPES [2] |
| Med spa and aesthetics | 2 | 1.9 | NPPES [2] |
| Optometry and ophthalmology | 2 | 1.9 | NPPES [2] |
| Occupational health and drug testing | 2 | 1.9 | NPPES [2] |
| SUD treatment and residential | 1 | 0.9 | NPPES [2] |
| NEMT and ambulance | 1 | 0.9 | NPPES [2] |
| ABA and autism therapy | 1 | 0.9 | NPPES [2] |
| Telehealth and virtual clinics | 1 | 0.9 | NPPES [2] |
| Medical equipment suppliers | 4 | CMS [4] |
Several of the 19 behavioral and mental health group practices enumerations can belong to one practice, so the column counts clinicians rather than businesses or owners
What Lane County credit files already show
Lenders in Lane County have already closed 13 healthcare approvals, averaging $507,508, which is the size a new file gets read beside
| Measure | Published figure | What sits behind it |
|---|---|---|
| Healthcare files approved | 13 | Counted for the fiscal year the SBA publishes [5] |
| Dollars behind them | $6,597,600 | Everything approved to healthcare borrowers, added up [5] |
| Typical approval size | $507,508 | The dollar column over the approval column [5] |
| Credit offices operating locally | 168 | Places that write credit locally, NAICS 522 [6] |
What the two tables above change about a file
Underwriting starts with 72.0 providers per 10,000 residents, because that ratio caps how fast a chair or a room fills. Because Lane County already carries $6,597,600 across 13 healthcare approvals, a request near that average moves faster than one well above it. Household income of $64,133 in Cottage Grove is the number a lender uses to sanity check the self-pay share of a revenue projection.
Programs the Cottage Grove mix reaches for
- Practice acquisition
- Working capital term loan
- Startup and de novo
- 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 Cottage Grove does not appear. Availability is still a Oregon question.
What a funder reads first in Cottage Grove
What a funder opens first depends on the field. In Cottage Grove that means behavioral and mental health group practices, primary care and family medicine, chiropractic.
| Practice type | The pages that decide it | Typical capital event |
|---|---|---|
| Behavioral and mental health group practices (19) | 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 (16) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| Chiropractic (7) | 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.
Cottage Grove against nearby Oregon markets
Density is the number that moves an appraisal: 72.0 per 10,000 here
| Comparable | People | Enumerations | Per 10,000 residents | Miles |
|---|---|---|---|---|
| Cottage Grove (current) | 10,690 | 77 | 72.0 | |
| Springfield | 61,182 | 548 | 89.6 | 18 |
| Roseburg | 23,795 | 589 | 247.5 | 42 |
| Sweet Home | 10,265 | 31 | 30.2 | 46 |
| Lebanon | 19,950 | 173 | 86.7 | 51 |
| Corvallis | 61,993 | 1,705 | 275.0 | 55 |
| Albany | 57,156 | 512 | 89.6 | 57 |
Distance, income, and the wage floor around Cottage Grove
Eugene-Springfield, OR lies 18 miles from Cottage Grove, close enough that appraisers price the lease against Eugene-Springfield, OR rents while 10,690 residents set the revenue ceiling. Households here carry $64,133 in median income, and that ceiling decides how much of a treatment plan gets started rather than deferred. A Medicare-certified hospital operates here, so referral flow is verifiable and the clinical wage floor is already set.
Nearby Oregon towns
- Springfield 61,182 residents
- Roseburg 23,795 residents
- Sweet Home 10,265 residents
- Lebanon 19,950 residents
- Corvallis 61,993 residents
- Albany 57,156 residents
What owners in Cottage Grove ask
01How many providers practice in Cottage Grove, and in what?
Across 16 fields, Cottage Grove carries 77 enumerated clinicians, 72.0 per 10,000 of the 10,690 people living here. The concentration is in behavioral and mental health group practices, 19 of the total, then primary care and family medicine at 16. Count practices from that only with care.
02What does SBA lending look like around Cottage Grove?
$6,597,600 went to healthcare borrowers in Lane County across 13 approvals, $507,508 on average. Deals near Cottage Grove get sized against that record before anything else.
03What does Lane County's shortage designation change?
HRSA designates Lane County for primary care, dental, mental health. That opens loan repayment programs for clinicians recruited into Cottage Grove and evidences a staffing ramp in a 10,690 resident market.
04How does the hospital in Cottage Grove 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. It also sets the wage floor behind every hire in a 72.0 per 10,000 market.
05What does a $64,133 median income mean for case acceptance?
Median household income in Cottage Grove runs $64,133. On elective and cash-pay work that is the number a funder converts into case acceptance, and it sets how much of a treatment plan a projection can assume gets started rather than deferred.
06Which fields carry the volume in Cottage Grove?
The 16 enumerated fields are led by behavioral and mental health group practices at 19, with primary care and family medicine at 16 behind it. Those two counts double as the competition you are entering and the bench you would hire from.
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
Our team reviews every request within 1 business day. If a funding partner thinks they can help, a specialist from that partner contacts you to discuss next steps.