Oregon micro-market
Healthcare practice financing in Dallas, Oregon
Direct answer
A Dallas file is read against 120 local clinicians, 67.0 for every 10,000 of its 17,911 residents, 21 percent of them in behavioral and mental health group practices, plus the 3 SBA healthcare approvals worth $764,900 already recorded in Polk County, 14 miles from Salem, OR.
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- Population: 17,911 residents (10K-25K band)1
- Healthcare providers registered here: 120 across 17 fields2
- Median household income: $65,6473
- Largest provider field: Behavioral and mental health group practices: 25 registered providers2
- Nearest metro: Salem, OR, 14 miles1
- Hospital: A Medicare-certified hospital operates in the town4
The clinical base a lender can verify here
120 providers across 17 fields, 67.0 per 10,000 residents, counted at Dallas addresses in the NPPES monthly file
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| Behavioral and mental health group practices | 25 | 14.0 | NPPES [2] |
| Physical, occupational, and speech therapy | 24 | 13.4 | NPPES [2] |
| Primary care and family medicine | 19 | 10.6 | NPPES [2] |
| Chiropractic | 9 | 5.0 | NPPES [2] |
| General dentistry | 9 | 5.0 | NPPES [2] |
| Optometry and ophthalmology | 7 | 3.9 | NPPES [2] |
| Dental specialties | 5 | 2.8 | NPPES [2] |
| Independent pharmacy | 5 | 2.8 | NPPES [2] |
| ABA and autism therapy | 3 | 1.7 | NPPES [2] |
| DME and HME suppliers | 2 | 1.1 | NPPES [2] |
| Urgent care | 2 | 1.1 | NPPES [2] |
| SUD treatment and residential | 2 | 1.1 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 2 | 1.1 | NPPES [2] |
| Telehealth and virtual clinics | 2 | 1.1 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 2 | 1.1 | NPPES [2] |
| NEMT and ambulance | 1 | 0.6 | NPPES [2] |
| Non-medical home care | 1 | 0.6 | NPPES [2] |
| Medical equipment suppliers | 4 | CMS [4] |
Several of the 25 behavioral and mental health group practices enumerations can belong to one practice, so the column counts clinicians rather than businesses or owners
Loan activity in Polk County
With 3 healthcare approvals recorded, Polk County gives a valuation almost nothing local to lean on
| Measure | Published figure | What sits behind it |
|---|---|---|
| Healthcare files approved | 3 | One published fiscal year, healthcare borrowers only [5] |
| Dollars behind them | $764,900 | Approved, not disbursed, and not net of withdrawals [5] |
| Typical approval size | $254,967 | A mean, so one large approval moves it [5] |
| Credit offices operating locally | 28 | Credit intermediation offices sited in the county [6] |
What the two tables above change about a file
A file from here opens on 67.0 providers per 10,000 residents, and everything about volume follows from it. A short county record of 3 approvals usually means more documentation and a lower advance against the same collateral. With $65,647 as the median household income, the payer mix in a projection has to match what Dallas households actually spend.
The programs this provider mix points at
- Practice acquisition
- Working capital term loan
- Startup and de novo
- Expansion, relocation, and build-out
- Equipment financing and leasing
The 17 fields practicing locally set this order. A funding partner, not this list, decides what is available in Oregon.
Underwriting by field in Dallas
behavioral and mental health group practices, physical, occupational, and speech therapy, primary care and family medicine account for most of what is enumerated in Dallas, so those are the files funders see from this town
| Field | What the file turns on | The capital event behind most requests |
|---|---|---|
| Behavioral and mental health group practices (25) | Clinician retention and productivity, Payer mix and Medicaid concentration, Re-authorization and session limit exposure | Working capital through the credentialing lag |
| Physical, occupational, and speech therapy (24) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Primary care and family medicine (19) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
Counts in the first column are Dallas providers from NPPES. The other two columns describe how funders read that field across markets like Dallas, not what any funder will do with your file.
How Dallas prices against its neighbors
Comparables travel. These are the Oregon towns whose density, at 67.0 per 10,000 here, gets weighed beside this one.
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Dallas (current) | 17,911 | 120 | 67.0 | |
| Monmouth | 11,651 | 29 | 24.9 | 6 |
| Independence | 10,295 | 37 | 35.9 | 7 |
| Keizer | 39,152 | 237 | 60.5 | 15 |
| McMinnville | 35,255 | 379 | 107.5 | 21 |
| Albany | 57,156 | 512 | 89.6 | 23 |
| Corvallis | 61,993 | 1,705 | 275.0 | 24 |
Distance, income, and the wage floor around Dallas
Salem, OR lies 14 miles from Dallas, close enough that appraisers price the lease against Salem, OR rents while 17,911 residents set the revenue ceiling. Households here carry $65,647 in median income, and that ceiling decides how much of a treatment plan gets started rather than deferred. Wages here are anchored by the Medicare-certified hospital in town, which is what a staffing line gets measured against. Dallas is the Polk County seat, so county employment steadies the payer mix.
More of Oregon
- Monmouth 11,651 residents
- Independence 10,295 residents
- Keizer 39,152 residents
- McMinnville 35,255 residents
- Albany 57,156 residents
- Corvallis 61,993 residents
What owners in Dallas ask
01How many providers practice in Dallas, and in what?
NPPES lists 120 providers at a Dallas practice address, 67.0 per 10,000 residents across 17 tracked fields. Behavioral and mental health group practices accounts for 25 of them, 21 percent of the total, with physical, occupational, and speech therapy next at 24. Read that as clinicians: 120 enumerations, not 120 owners.
02What does Polk County's shortage designation change?
Polk County holds a HRSA designation covering primary care, dental, mental health. A pro forma for Dallas can cite it as the reason a vacancy is fillable, which is usually the weakest line in a ramp schedule.
03Why does Polk County show so little SBA activity?
Polk County shows 3 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. 28 lending establishments operate locally.
04Is Dallas underwritten as part of Salem, OR?
Salem, OR sits 14 miles away, close enough that appraisers reach into that market for rent and resale comparables while your patient draw stays local. The comparables read Salem, OR; the 17,911 residents set the ceiling a projection can defend.
05How does the hospital in Dallas affect a practice file?
It makes the staffing and referral lines checkable. and the hospital sets the wage a clinical hire is bid against in a 67.0 per 10,000 market.
06Does being the Polk County seat change anything?
Dallas is the Polk County seat, so county payroll steadies the payer mix and courthouse traffic keeps the daytime population above the 17,911 residents on the census. Both show up as a flatter seasonal curve in a collections history.
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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