Oregon micro-market
Healthcare practice financing in Monmouth, Oregon
Direct answer
11,651 residents, 29 enumerated clinicians, 24.9 per 10,000, 21 percent of them in general dentistry: that is the Monmouth market a funder prices. Polk County adds 3 healthcare approvals worth $764,900 and 11 miles of distance to Salem, 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: 11,651 residents (10K-25K band)1
- Healthcare providers registered here: 29 across 13 fields2
- Median household income: $66,8583
- Largest provider field: General dentistry: 6 registered providers2
- Nearest metro: Salem, OR, 11 miles1
- Higher education: At least one degree-granting institution is based here4
Who is enumerated in Monmouth
24.9 providers per 10,000 residents is what 29 enumerations across 13 fields works out to in a town of 11,651
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| General dentistry | 6 | 5.1 | NPPES [2] |
| Physical, occupational, and speech therapy | 5 | 4.3 | NPPES [2] |
| Optometry and ophthalmology | 4 | 3.4 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 3 | 2.6 | NPPES [2] |
| Chiropractic | 2 | 1.7 | NPPES [2] |
| Primary care and family medicine | 2 | 1.7 | NPPES [2] |
| Podiatry | 1 | 0.9 | NPPES [2] |
| DME and HME suppliers | 1 | 0.9 | NPPES [2] |
| Home health | 1 | 0.9 | NPPES [2] |
| Dental specialties | 1 | 0.9 | NPPES [2] |
| ABA and autism therapy | 1 | 0.9 | NPPES [2] |
| Behavioral and mental health group practices | 1 | 0.9 | NPPES [2] |
| Clinical and toxicology labs | 1 | 0.9 | NPPES [2] |
| Medical equipment suppliers | 1 | CMS [5] |
Several of the 6 general dentistry enumerations can belong to one practice, so the column counts clinicians rather than businesses or owners
Loan activity in Polk County
The county file holds 3 healthcare approvals, which is a thin comparable set for anyone pricing collateral
| Measure | Published figure | What sits behind it |
|---|---|---|
| SBA healthcare approvals | 3 | Counted for the fiscal year the SBA publishes [6] |
| Approved dollars | $764,900 | Everything approved to healthcare borrowers, added up [6] |
| Average approval | $254,967 | The dollar column over the approval column [6] |
| Lending establishments in the county | 28 | Places that write credit locally, NAICS 522 [7] |
The consequence of these numbers
The ratio that matters up front is 24.9 per 10,000, which decides whether a ramp schedule reads as conservative. A short county record of 3 approvals usually means more documentation and a lower advance against the same collateral. Household income of $66,858 in Monmouth 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
- Equipment financing and leasing
- Expansion, relocation, and build-out
- Working capital term loan
Weighted by how often each of the 13 local fields reaches for a program, not by what is easiest to refer. Oregon rules and the partner decide availability.
The first pages of a Monmouth file
What a funder opens first depends on the field. In Monmouth that means general dentistry, physical, occupational, and speech therapy, optometry and ophthalmology.
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| General dentistry (6) | Three years of collections history, Hygiene as a share of collections, Overhead ratio and owner add-backs | Acquisition of an established practice |
| Physical, occupational, and speech therapy (5) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Optometry and ophthalmology (4) | Exam volume and optical capture, Vision plan mix, Inventory turns | Cold start or acquisition |
The first column is Monmouth's own NPPES count. The rest is how the field is generally underwritten, whether the address is Monmouth or anywhere else.
Monmouth against nearby Oregon markets
Density is the number that moves an appraisal: 24.9 per 10,000 here
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Monmouth (current) | 11,651 | 29 | 24.9 | |
| Independence | 10,295 | 37 | 35.9 | 2 |
| Dallas | 17,911 | 120 | 67.0 | 6 |
| Keizer | 39,152 | 237 | 60.5 | 14 |
| Albany | 57,156 | 512 | 89.6 | 17 |
| Corvallis | 61,993 | 1,705 | 275.0 | 20 |
| Silverton | 10,391 | 113 | 108.7 | 24 |
How Monmouth sits against the nearest metro
Distance to Salem, OR is 11 miles. Appraisers borrow Salem, OR rents, and the 11,651 residents set the ceiling on collections. Households here carry $66,858 in median income, and that ceiling decides how much of a treatment plan gets started rather than deferred. With no hospital in town, a projection has to name where referrals and coverage come from. A degree-granting institution here moves volume on the academic calendar.
Nearby Oregon towns
Monmouth owners, answered
01How many providers practice in Monmouth, and in what?
Across 13 fields, Monmouth carries 29 enumerated clinicians, 24.9 per 10,000 of the 11,651 people living here. The concentration is in general dentistry, 6 of the total, then physical, occupational, and speech therapy at 5. Count practices from that only with care.
02Why 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.
03What does Polk County's shortage designation change?
The primary care, dental, mental health designation HRSA carries on Polk County is a recruiting instrument: it puts repayment incentives in front of candidates, which is how a hiring plan for 11,651 residents gets past the question of who would take the job.
04How does the college here show up in the numbers?
A campus in town means monthly collections rise and fall with terms. Say so in the projection for Monmouth, because a summer trough that is explained is read as seasonality, and one that is not is read as decline.
05Is Monmouth underwritten as part of Salem, OR?
Partly. Salem, OR is 11 miles out, so rent and equipment comparables travel in from there while patients still come from the 11,651 residents around Monmouth. Cost side metro, revenue side local.
06Which fields carry the volume in Monmouth?
The 13 enumerated fields are led by general dentistry at 6, with physical, occupational, and speech therapy at 5 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
- 4U.S. Department of Education, IPEDS 2023 institutional directory
- 5CMS Care Compare provider datasets
- 6U.S. Small Business Administration, 7(a) and 504 approvals
- 7U.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.