Oregon micro-market
Healthcare practice financing in Happy Valley, Oregon
Direct answer
28,969 residents, 176 enumerated clinicians, 60.8 per 10,000, 24 percent of them in physical, occupational, and speech therapy: that is the Happy Valley market a funder prices. Clackamas County adds 12 healthcare approvals worth $14,804,000 and 10 miles of distance to Portland-Vancouver-Hillsboro, OR-WA.
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: 28,969 residents (25K-50K band)1
- Healthcare providers registered here: 176 across 19 fields2
- Median household income: $120,3243
- Largest provider field: Physical, occupational, and speech therapy: 42 registered providers2
- Medicare-certified providers in town: 2 across 1 categories4
- Nearest metro: Portland-Vancouver-Hillsboro, OR-WA, 10 miles1
The clinical base a lender can verify here
Counted at the town's own addresses: 176 providers, 19 fields, 60.8 clinicians per 10,000 of the 28,969 residents here
| Practice type | Count | Rate per 10,000 residents | Published by |
|---|---|---|---|
| Physical, occupational, and speech therapy | 42 | 14.5 | NPPES [2] |
| Primary care and family medicine | 22 | 7.6 | NPPES [2] |
| Optometry and ophthalmology | 21 | 7.2 | NPPES [2] |
| Chiropractic | 19 | 6.6 | NPPES [2] |
| General dentistry | 16 | 5.5 | NPPES [2] |
| Behavioral and mental health group practices | 15 | 5.2 | NPPES [2] |
| DME and HME suppliers | 9 | 3.1 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 7 | 2.4 | NPPES [2] |
| Home health | 4 | 1.4 | NPPES [2] |
| Independent pharmacy | 4 | 1.4 | NPPES [2] |
| Specialty physician groups | 3 | 1.0 | NPPES [2] |
| ASCs and OBLs | 2 | 0.7 | NPPES [2] |
| Dental specialties | 2 | 0.7 | NPPES [2] |
| Audiology and hearing centers | 2 | 0.7 | NPPES [2] |
| ABA and autism therapy | 2 | 0.7 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 2 | 0.7 | NPPES [2] |
| Telehealth and virtual clinics | 2 | 0.7 | NPPES [2] |
| SUD treatment and residential | 1 | 0.3 | NPPES [2] |
| Mobile diagnostics | 1 | 0.3 | NPPES [2] |
| Medical equipment suppliers | 7 | CMS [4] | |
| Ambulatory surgical centers | 2 | CMS [4] |
Physical, occupational, and speech therapy carries 42 of the 176 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
Clackamas County approvals, dollars, and lending establishments
The published file shows 12 healthcare approvals in Clackamas County, $14,804,000 in total, and that history is what an appraiser and a credit committee reach for
| What it measures | Value | How to read it |
|---|---|---|
| Healthcare files approved | 12 | Fiscal year published in the SBA file [5] |
| Dollars behind them | $14,804,000 | Sum of approvals to healthcare borrowers [5] |
| Typical approval size | $1,233,667 | Dollars divided by approvals [5] |
| Credit offices operating locally | 283 | Credit intermediation establishments, NAICS 522 [6] |
What the two tables above change about a file
60.8 per 10,000 is the first number a credit analyst converts into a realistic new-patient count. 12 approvals worth $14,804,000 in Clackamas County means the size you are asking for has a local precedent to point at. Household income of $120,324 in Happy Valley is the number a lender uses to sanity check the self-pay share of a revenue projection.
Where a file from this town usually lands
- Practice acquisition
- Startup and de novo
- Working capital term loan
- Expansion, relocation, and build-out
- Equipment financing and leasing
The order comes from Happy Valley's own provider mix, which physical, occupational, and speech therapy dominates at 24 percent. What a partner can actually place in Oregon is a separate question.
The first pages of a Happy Valley file
Drawn from the fields that actually practice here: physical, occupational, and speech therapy, primary care and family medicine, optometry and ophthalmology
| Practice type | The pages that decide it | Typical capital event |
|---|---|---|
| Physical, occupational, and speech therapy (42) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Primary care and family medicine (22) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| Optometry and ophthalmology (21) | Exam volume and optical capture, Vision plan mix, Inventory turns | Cold start or acquisition |
Column one counts Happy Valley clinicians from the federal file. Columns two and three describe how the field is usually underwritten, and a partner can read a Happy Valley file differently.
How Happy Valley prices against its neighbors
Set Happy Valley's 60.8 per 10,000 against the towns an appraiser would reach for next
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Happy Valley (current) | 28,969 | 176 | 60.8 | |
| Gladstone | 11,898 | 70 | 58.8 | 5 |
| Milwaukie | 21,620 | 881 | 407.5 | 5 |
| West Linn | 26,597 | 193 | 72.6 | 8 |
| Fairview | 10,796 | 25 | 23.2 | 9 |
| Lake Oswego | 40,029 | 533 | 133.2 | 9 |
| Troutdale | 15,749 | 55 | 34.9 | 9 |
Distance, income, and the wage floor around Happy Valley
Portland-Vancouver-Hillsboro, OR-WA lies 10 miles from Happy Valley, close enough that appraisers price the lease against Portland-Vancouver-Hillsboro, OR-WA rents while 28,969 residents set the revenue ceiling. At $120,324 median household income, the elective and cash-pay share of a projection is the line that gets tested first. Referral flow comes from outside Happy Valley, which a projection needs to state plainly. Campus terms, not calendar quarters, set the busy months in Happy Valley.
Other Oregon markets
What owners in Happy Valley ask
01How many providers practice in Happy Valley, and in what?
NPPES lists 176 providers at a Happy Valley practice address, 60.8 per 10,000 residents across 19 tracked fields. Physical, occupational, and speech therapy accounts for 42 of them, 24 percent of the total, with primary care and family medicine next at 22. Read that as clinicians: 176 enumerations, not 176 owners.
02What does Clackamas County's shortage designation change?
The primary care, dental, mental health designation HRSA carries on Clackamas County is a recruiting instrument: it puts repayment incentives in front of candidates, which is how a hiring plan for 28,969 residents gets past the question of who would take the job.
03Is Happy Valley underwritten as part of Portland-Vancouver-Hillsboro, OR-WA?
Partly. Portland-Vancouver-Hillsboro, OR-WA is 10 miles out, so rent and equipment comparables travel in from there while patients still come from the 28,969 residents around Happy Valley. Cost side metro, revenue side local.
04Is there local lending capacity in Clackamas County?
County Business Patterns records 283 credit intermediation establishments in Clackamas County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Happy Valley rents and resale before or by somebody working from a screen.
05What does a $120,324 median income mean for case acceptance?
Median household income in Happy Valley runs $120,324. 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.
06What does SBA lending look like around Happy Valley?
The county file behind Happy Valley holds 12 healthcare approvals totaling $14,804,000, an average of $1,233,667. Those are the loan sizes lenders in Clackamas County have already carried.
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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