Utah micro-market
Healthcare practice financing in Clearfield, Utah
Direct answer
A Clearfield file is read against 186 local clinicians, 53.5 for every 10,000 of its 34,778 residents, 51 percent of them in behavioral and mental health group practices, plus the 22 SBA healthcare approvals worth $16,130,900 already recorded in Davis County, 9 miles from Ogden, UT.
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 Utah, and how many partners see it, is set out on the Utah page.
- Population: 34,778 residents (25K-50K band)1
- Healthcare providers registered here: 186 across 18 fields2
- Median household income: $75,4293
- Largest provider field: Behavioral and mental health group practices: 95 registered providers2
- Medicare-certified providers in town: 3 across 2 categories4
- Nearest metro: Ogden, UT, 9 miles1
Clearfield clinicians, by field
53.5 providers per 10,000 residents is what 186 enumerations across 18 fields works out to in a town of 34,778
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| Behavioral and mental health group practices | 95 | 27.3 | NPPES [2] |
| Physical, occupational, and speech therapy | 30 | 8.6 | NPPES [2] |
| Chiropractic | 14 | 4.0 | NPPES [2] |
| General dentistry | 11 | 3.2 | NPPES [2] |
| Hospice and palliative | 6 | 1.7 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 6 | 1.7 | NPPES [2] |
| Primary care and family medicine | 4 | 1.2 | NPPES [2] |
| ABA and autism therapy | 4 | 1.2 | NPPES [2] |
| Dental specialties | 3 | 0.9 | NPPES [2] |
| DME and HME suppliers | 2 | 0.6 | NPPES [2] |
| Home health | 2 | 0.6 | NPPES [2] |
| Independent pharmacy | 2 | 0.6 | NPPES [2] |
| Non-medical home care | 2 | 0.6 | NPPES [2] |
| Urgent care | 1 | 0.3 | NPPES [2] |
| Clinical research sites | 1 | 0.3 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 1 | 0.3 | NPPES [2] |
| Optometry and ophthalmology | 1 | 0.3 | NPPES [2] |
| Occupational health and drug testing | 1 | 0.3 | NPPES [2] |
| Hospice providers | 2 | CMS [4] | |
| Home health agencies | 1 | CMS [4] |
Several of the 95 behavioral and mental health group practices enumerations can belong to one practice, so the column counts clinicians rather than businesses or owners
The lending record behind Clearfield
22 healthcare approvals averaging $733,223 set the deal shape lenders in Davis County have already underwritten
| Measure | Published figure | What sits behind it |
|---|---|---|
| Approvals on record | 22 | Fiscal year published in the SBA file [5] |
| Total approved capital | $16,130,900 | Sum of approvals to healthcare borrowers [5] |
| Mean deal size | $733,223 | Dollars divided by approvals [5] |
| Lenders sited in the county | 204 | Credit intermediation establishments, NAICS 522 [6] |
The consequence of these numbers
At 53.5 clinicians per 10,000 residents, the catchment radius in a projection has to be defended rather than assumed. A request measured against 22 prior Davis County approvals is priced on precedent, which shortens the questions about valuation. Household income of $75,429 in Clearfield is the number a lender uses to sanity check the self-pay share of a revenue projection.
The programs this provider mix points at
- Working capital term loan
- Practice acquisition
- Startup and de novo
- Business line of credit
- Equipment financing and leasing
Built from what is enumerated here rather than from a national list, so a field with no presence in Clearfield does not appear. Availability is still a Utah question.
The first pages of a Clearfield file
Drawn from the fields that actually practice here: behavioral and mental health group practices, physical, occupational, and speech therapy, chiropractic
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| Behavioral and mental health group practices (95) | 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 (30) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Chiropractic (14) | Cash plan revenue, Personal injury receivable age, Visit volume | Startup or acquisition |
Column one counts Clearfield clinicians from the federal file. Columns two and three describe how the field is usually underwritten, and a partner can read a Clearfield file differently.
How Clearfield prices against its neighbors
The neighboring markets below are the ones a valuation borrows from when Clearfield has too few sales of its own
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Clearfield (current) | 34,778 | 186 | 53.5 | |
| Layton | 84,348 | 693 | 82.2 | 3 |
| Syracuse | 38,999 | 82 | 21.0 | 3 |
| Clinton | 23,728 | 58 | 24.4 | 4 |
| Roy | 38,719 | 136 | 35.1 | 5 |
| West Point | 12,726 | 26 | 20.4 | 5 |
| Kaysville | 33,252 | 127 | 38.2 | 6 |
What the geography does to a Clearfield projection
9 miles separate Clearfield from Ogden, UT. Lease pricing follows Ogden, UT, while revenue stays capped by the 34,778 residents here. At $75,429 median household income, the elective and cash-pay share of a projection is the line that gets tested first. Referral flow comes from outside Clearfield, which a projection needs to state plainly.
Other Utah markets
Questions from Clearfield
01How many providers practice in Clearfield, and in what?
186 enumerations sit at Clearfield addresses in the monthly NPPES file, working out to 53.5 for every 10,000 residents. 51 percent of them are behavioral and mental health group practices, and physical, occupational, and speech therapy follows with 30. An enumeration is a clinician, so the 186 here cover fewer than 186 practices.
02What does Davis County's shortage designation change?
HRSA designates Davis County for primary care, dental, mental health. That opens loan repayment programs for clinicians recruited into Clearfield and evidences a staffing ramp in a 34,778 resident market.
03Is Clearfield underwritten as part of Ogden, UT?
Comparables and demand split at 9 miles. An appraiser prices the lease and the equipment off Ogden, UT; the revenue line has to hold up against 34,778 local residents.
04What does SBA lending look like around Clearfield?
$16,130,900 went to healthcare borrowers in Davis County across 22 approvals, $733,223 on average. Deals near Clearfield get sized against that record before anything else.
05Is there local lending capacity in Davis County?
County Business Patterns records 204 credit intermediation establishments in Davis County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Clearfield rents and resale before or by somebody working from a screen.
06What does the underserved designation in Davis County support?
Davis County carries a medically underserved designation. It evidences unmet demand behind a capacity build, and it opens recruitment programs that make a staffing line in a projection easier to defend than local wage data alone would.
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
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.