Oregon micro-market
Healthcare practice financing in Medford, Oregon
Direct answer
Density decides a lot here. Medford runs 137.8 providers per 10,000 residents, 1,189 clinicians against 86,301 people, 20 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 0 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: 86,301 residents (50K-100K band)1
- Healthcare providers registered here: 1,189 across 33 fields2
- Median household income: $70,4973
- Largest provider field: Physical, occupational, and speech therapy: 237 registered providers2
- Medicare-certified providers in town: 13 across 4 categories4
- Nearest metro: Medford, OR, 0 miles1
Medford clinicians, by field
1,189 providers across 33 fields, 137.8 per 10,000 residents, counted at Medford addresses in the NPPES monthly file
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| Physical, occupational, and speech therapy | 237 | 27.5 | NPPES [2] |
| Primary care and family medicine | 131 | 15.2 | NPPES [2] |
| ABA and autism therapy | 115 | 13.3 | NPPES [2] |
| Behavioral and mental health group practices | 114 | 13.2 | NPPES [2] |
| Specialty physician groups | 104 | 12.1 | NPPES [2] |
| Optometry and ophthalmology | 69 | 8.0 | NPPES [2] |
| General dentistry | 62 | 7.2 | NPPES [2] |
| Chiropractic | 61 | 7.1 | NPPES [2] |
| Dental specialties | 47 | 5.4 | NPPES [2] |
| DME and HME suppliers | 36 | 4.2 | NPPES [2] |
| Independent pharmacy | 30 | 3.5 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 24 | 2.8 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 19 | 2.2 | NPPES [2] |
| Dermatology | 18 | 2.1 | NPPES [2] |
| Med spa and aesthetics | 16 | 1.9 | NPPES [2] |
| Non-medical home care | 15 | 1.7 | NPPES [2] |
| Telehealth and virtual clinics | 15 | 1.7 | NPPES [2] |
| ASCs and OBLs | 11 | 1.3 | NPPES [2] |
| Home health | 10 | 1.2 | NPPES [2] |
| Podiatry | 9 | 1.0 | NPPES [2] |
| Audiology and hearing centers | 8 | 0.9 | NPPES [2] |
| Hormone, TRT, and men's health clinics | 7 | 0.8 | NPPES [2] |
| Clinical and toxicology labs | 6 | 0.7 | NPPES [2] |
| SUD treatment and residential | 5 | 0.6 | NPPES [2] |
| Plastic and cosmetic surgery | 5 | 0.6 | NPPES [2] |
| Occupational health and drug testing | 4 | 0.5 | NPPES [2] |
| Hospice and palliative | 3 | 0.3 | NPPES [2] |
| NEMT and ambulance | 2 | 0.2 | NPPES [2] |
| Dialysis and infusion centers | 2 | 0.2 | NPPES [2] |
| Urgent care | 1 | 0.1 | NPPES [2] |
| Pain management and interventional | 1 | 0.1 | NPPES [2] |
| Mobile diagnostics | 1 | 0.1 | NPPES [2] |
| Clinical research sites | 1 | 0.1 | NPPES [2] |
| Medical equipment suppliers | 25 | CMS [4] | |
| Ambulatory surgical centers | 8 | CMS [4] | |
| Dialysis facilities | 2 | CMS [4] | |
| Home health agencies | 2 | CMS [4] | |
| Hospice providers | 1 | CMS [4] |
A single Medford practice can hold more than one of these numbers. 20 percent sit in physical, occupational, and speech therapy, counted as clinicians rather than as owners.
What Jackson County credit files already show
9 healthcare approvals sit in the county file, so an appraiser here works from a short comparable set
| Measure | Published figure | What sits behind it |
|---|---|---|
| Healthcare files approved | 9 | Fiscal year published in the SBA file [5] |
| Dollars behind them | $3,554,000 | Sum of approvals to healthcare borrowers [5] |
| Typical approval size | $394,889 | Dollars divided by approvals [5] |
| Credit offices operating locally | 120 | Credit intermediation establishments, NAICS 522 [6] |
What the two tables above change about a file
A file from here opens on 137.8 providers per 10,000 residents, and everything about volume follows from it. A short county record of 9 approvals usually means more documentation and a lower advance against the same collateral. With $70,497 as the median household income, the payer mix in a projection has to match what Medford households actually spend.
Programs the Medford mix reaches for
- Practice acquisition
- Working capital term loan
- Expansion, relocation, and build-out
- Startup and de novo
- Equipment financing and leasing
The order comes from Medford's own provider mix, which physical, occupational, and speech therapy dominates at 20 percent. What a partner can actually place in Oregon is a separate question.
Underwriting by field in Medford
physical, occupational, and speech therapy, primary care and family medicine, aba and autism therapy account for most of what is enumerated in Medford, so those are the files funders see from this town
| Field | What the file turns on | The capital event behind most requests |
|---|---|---|
| Physical, occupational, and speech therapy (237) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Primary care and family medicine (131) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| ABA and autism therapy (115) | Authorized hours against delivered hours, Payer mix stability, Billing compliance history | Working capital against authorization and billing lag |
Counts in the first column are Medford providers from NPPES. The other two columns describe how funders read that field across markets like Medford, not what any funder will do with your file.
How Medford prices against its neighbors
The neighboring markets below are the ones a valuation borrows from when Medford has too few sales of its own
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Medford (current) | 86,301 | 1,189 | 137.8 | |
| Central Point | 19,128 | 124 | 64.8 | 4 |
| Ashland | 20,935 | 355 | 169.6 | 13 |
| Grants Pass | 39,468 | 639 | 161.9 | 25 |
| Klamath Falls | 22,174 | 497 | 224.1 | 55 |
| Roseburg | 23,795 | 589 | 247.5 | 66 |
| Coos Bay | 15,801 | 256 | 162.0 | 101 |
Distance, income, and the wage floor around Medford
Medford, OR lies 0 miles from Medford, close enough that appraisers price the lease against Medford, OR rents while 86,301 residents set the revenue ceiling. Households here carry $70,497 in median income, and that ceiling decides how much of a treatment plan gets started rather than deferred. Because a certified hospital sits inside the town, both the referral path and the pay a clinical hire expects are already observable. Campus terms, not calendar quarters, set the busy months in Medford. Medford is the Jackson County seat, so county employment steadies the payer mix.
Other Oregon markets
- Central Point 19,128 residents
- Ashland 20,935 residents
- Grants Pass 39,468 residents
- Klamath Falls 22,174 residents
- Roseburg 23,795 residents
- Coos Bay 15,801 residents
Medford owners, answered
01How many providers practice in Medford, and in what?
1,189 enumerations sit at Medford addresses in the monthly NPPES file, working out to 137.8 for every 10,000 residents. 20 percent of them are physical, occupational, and speech therapy, and primary care and family medicine follows with 131. An enumeration is a clinician, so the 1,189 here cover fewer than 1,189 practices.
02What does Jackson County's shortage designation change?
The primary care, dental, mental health designation HRSA carries on Jackson County is a recruiting instrument: it puts repayment incentives in front of candidates, which is how a hiring plan for 86,301 residents gets past the question of who would take the job.
03Why does Jackson County show so little SBA activity?
Only 9 healthcare approvals appear for Jackson County in the published 7(a) and 504 file. Thin volume in Jackson County is a transaction count, not a verdict on borrowers here. The county still holds 120 credit intermediation establishments.
04How does the hospital in Medford affect a practice file?
Referral flow, coverage, and the local pay scale all trace back to it. The town carries 13 Medicare-certified providers in total. A Medford projection that names the call arrangement reads better than one that assumes it.
05Which fields carry the volume in Medford?
Physical, occupational, and speech therapy at 237 providers and primary care and family medicine at 131 lead the 33 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.
06Is there local lending capacity in Jackson County?
County Business Patterns records 120 credit intermediation establishments in Jackson County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Medford rents and resale before or by somebody working from a screen.
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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