Oregon micro-market
Healthcare practice financing in North Bend, Oregon
Direct answer
10,049 residents, 114 enumerated clinicians, 113.4 per 10,000, 29 percent of them in behavioral and mental health group practices: that is the North Bend market a funder prices. Coos County adds 1 healthcare approvals worth $50,000 and 72 miles of distance to 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: 10,049 residents (10K-25K band)1
- Healthcare providers registered here: 114 across 18 fields2
- Median household income: $72,4833
- Largest provider field: Behavioral and mental health group practices: 33 registered providers2
- Medicare-certified providers in town: 1 across 1 categories4
- Nearest metro: Eugene-Springfield, OR, 72 miles1
Fields practicing inside North Bend
113.4 providers per 10,000 residents is what 114 enumerations across 18 fields works out to in a town of 10,049
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| Behavioral and mental health group practices | 33 | 32.8 | NPPES [2] |
| Physical, occupational, and speech therapy | 29 | 28.9 | NPPES [2] |
| General dentistry | 9 | 9.0 | NPPES [2] |
| Optometry and ophthalmology | 8 | 8.0 | NPPES [2] |
| Dental specialties | 6 | 6.0 | NPPES [2] |
| DME and HME suppliers | 5 | 5.0 | NPPES [2] |
| Chiropractic | 4 | 4.0 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 4 | 4.0 | NPPES [2] |
| Podiatry | 3 | 3.0 | NPPES [2] |
| Independent pharmacy | 2 | 2.0 | NPPES [2] |
| ABA and autism therapy | 2 | 2.0 | NPPES [2] |
| Specialty physician groups | 2 | 2.0 | NPPES [2] |
| Clinical and toxicology labs | 2 | 2.0 | NPPES [2] |
| Home health | 1 | 1.0 | NPPES [2] |
| ASCs and OBLs | 1 | 1.0 | NPPES [2] |
| Non-medical home care | 1 | 1.0 | NPPES [2] |
| Med spa and aesthetics | 1 | 1.0 | NPPES [2] |
| Clinical research sites | 1 | 1.0 | NPPES [2] |
| Medical equipment suppliers | 5 | CMS [4] | |
| Ambulatory surgical centers | 1 | CMS [4] |
A single North Bend practice can hold more than one of these numbers. 29 percent sit in behavioral and mental health group practices, counted as clinicians rather than as owners.
Loan activity in Coos County
With 1 healthcare approvals recorded, Coos County gives a valuation almost nothing local to lean on
| Line | Amount | Reading and source |
|---|---|---|
| SBA healthcare approvals | 1 | Counted for the fiscal year the SBA publishes [5] |
| Approved dollars | $50,000 | Everything approved to healthcare borrowers, added up [5] |
| Average approval | $50,000 | The dollar column over the approval column [5] |
| Lending establishments in the county | 29 | Places that write credit locally, NAICS 522 [6] |
Reading North Bend the way a credit committee does
Density of 113.4 per 10,000 sets the patient draw a projection can claim without an argument. With 1 approvals on record in Coos County, expect a longer appraisal and a wider collateral discount. A $72,483 median household income here sets the ceiling on what an elective or cash-pay line can be expected to carry.
Programs the North Bend mix reaches for
- Practice acquisition
- Startup and de novo
- Working capital term loan
- Equipment financing and leasing
- Business line of credit
Weighted by how often each of the 18 local fields reaches for a program, not by what is easiest to refer. Oregon rules and the partner decide availability.
What a funder reads first in North Bend
behavioral and mental health group practices, physical, occupational, and speech therapy, general dentistry account for most of what is enumerated in North Bend, so those are the files funders see from this town
| Practice type | The pages that decide it | Typical capital event |
|---|---|---|
| Behavioral and mental health group practices (33) | 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 (29) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| General dentistry (9) | Three years of collections history, Hygiene as a share of collections, Overhead ratio and owner add-backs | Acquisition of an established practice |
Column one counts North Bend clinicians from the federal file. Columns two and three describe how the field is usually underwritten, and a partner can read a North Bend file differently.
Density beside the neighboring Oregon towns
Comparables travel. These are the Oregon towns whose density, at 113.4 per 10,000 here, gets weighed beside this one.
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| North Bend (current) | 10,049 | 114 | 113.4 | |
| Coos Bay | 15,801 | 256 | 162.0 | 2 |
| Roseburg | 23,795 | 589 | 247.5 | 46 |
| Cottage Grove | 10,690 | 77 | 72.0 | 65 |
| Springfield | 61,182 | 548 | 89.6 | 77 |
| Grants Pass | 39,468 | 639 | 161.9 | 81 |
| Newport | 10,833 | 177 | 163.4 | 84 |
Distance, income, and the wage floor around North Bend
Distance to Eugene-Springfield, OR is 72 miles. Resale for used clinical equipment is effectively absent, which is why collateral gets marked down. Households here carry $72,483 in median income, and that ceiling decides how much of a treatment plan gets started rather than deferred. No hospital operates here, so the referral sources and the call arrangement have to be named rather than assumed.
Nearby Oregon towns
- Coos Bay 15,801 residents
- Roseburg 23,795 residents
- Cottage Grove 10,690 residents
- Springfield 61,182 residents
- Grants Pass 39,468 residents
- Newport 10,833 residents
Questions from North Bend
01How many providers practice in North Bend, and in what?
114 enumerations sit at North Bend addresses in the monthly NPPES file, working out to 113.4 for every 10,000 residents. 29 percent of them are behavioral and mental health group practices, and physical, occupational, and speech therapy follows with 29. An enumeration is a clinician, so the 114 here cover fewer than 114 practices.
02Does being 72 miles out change the underwriting?
At 72 miles from Eugene-Springfield, OR, collateral is priced without a nearby resale market. Expect a longer appraisal window in Coos County and a wider discount on used equipment than a metro practice would see on the same list.
03What does Coos County's shortage designation change?
HRSA designates Coos County for primary care, dental, mental health. That opens loan repayment programs for clinicians recruited into North Bend and evidences a staffing ramp in a 10,049 resident market.
04Why does Coos County show so little SBA activity?
Coos County shows 1 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. 29 lending establishments operate locally.
05Which fields carry the volume in North Bend?
The 18 enumerated fields are led by behavioral and mental health group practices at 33, with physical, occupational, and speech therapy at 29 behind it. Those two counts double as the competition you are entering and the bench you would hire from.
06Is there local lending capacity in Coos County?
County Business Patterns records 29 credit intermediation establishments in Coos County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen North Bend 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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