Utah micro-market
Healthcare practice financing in Cottonwood Heights, Utah
Direct answer
32,437 residents, 153 enumerated clinicians, 47.2 per 10,000, 27 percent of them in aba and autism therapy: that is the Cottonwood Heights market a funder prices. Salt Lake County adds 46 healthcare approvals worth $38,190,600 and 13 miles of distance to Salt Lake City-Murray, 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: 32,437 residents (25K-50K band)1
- Healthcare providers registered here: 153 across 19 fields2
- Median household income: $116,5833
- Largest provider field: ABA and autism therapy: 42 registered providers2
- Nearest metro: Salt Lake City-Murray, UT, 13 miles1
- SBA healthcare approvals in the county: 46 approvals totaling $38,190,6004
Fields practicing inside Cottonwood Heights
153 providers across 19 fields, 47.2 per 10,000 residents, counted at Cottonwood Heights addresses in the NPPES monthly file
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| ABA and autism therapy | 42 | 12.9 | NPPES [2] |
| Physical, occupational, and speech therapy | 40 | 12.3 | NPPES [2] |
| General dentistry | 13 | 4.0 | NPPES [2] |
| Behavioral and mental health group practices | 10 | 3.1 | NPPES [2] |
| Chiropractic | 9 | 2.8 | NPPES [2] |
| Primary care and family medicine | 6 | 1.8 | NPPES [2] |
| Specialty physician groups | 5 | 1.5 | NPPES [2] |
| SUD treatment and residential | 4 | 1.2 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 4 | 1.2 | NPPES [2] |
| Home health | 3 | 0.9 | NPPES [2] |
| Non-medical home care | 3 | 0.9 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 3 | 0.9 | NPPES [2] |
| Plastic and cosmetic surgery | 3 | 0.9 | NPPES [2] |
| DME and HME suppliers | 2 | 0.6 | NPPES [2] |
| Pain management and interventional | 2 | 0.6 | NPPES [2] |
| Dental specialties | 1 | 0.3 | NPPES [2] |
| Independent pharmacy | 1 | 0.3 | NPPES [2] |
| Hospice and palliative | 1 | 0.3 | NPPES [2] |
| Hormone, TRT, and men's health clinics | 1 | 0.3 | NPPES [2] |
| Medical equipment suppliers | 2 | CMS [5] |
A single Cottonwood Heights practice can hold more than one of these numbers. 27 percent sit in aba and autism therapy, counted as clinicians rather than as owners.
What Salt Lake County credit files already show
46 healthcare approvals averaging $830,230 set the deal shape lenders in Salt Lake County have already underwritten
| Line | Amount | Reading and source |
|---|---|---|
| SBA healthcare approvals | 46 | One published fiscal year, healthcare borrowers only [4] |
| Approved dollars | $38,190,600 | Approved, not disbursed, and not net of withdrawals [4] |
| Average approval | $830,230 | A mean, so one large approval moves it [4] |
| Lending establishments in the county | 920 | Credit intermediation offices sited in the county [6] |
The consequence of these numbers
At 47.2 clinicians per 10,000 residents, the catchment radius in a projection has to be defended rather than assumed. A request measured against 46 prior Salt Lake County approvals is priced on precedent, which shortens the questions about valuation. With $116,583 as the median household income, the payer mix in a projection has to match what Cottonwood Heights households actually spend.
Where a file from this town usually lands
- Practice acquisition
- Working capital term loan
- Startup and de novo
- Expansion, relocation, and build-out
- Equipment financing and leasing
Ranked from the 19 fields that actually practice in Cottonwood Heights, weighted toward aba and autism therapy. Availability still depends on Utah and on the funding partner.
What a funder reads first in Cottonwood Heights
What a funder opens first depends on the field. In Cottonwood Heights that means aba and autism therapy, physical, occupational, and speech therapy, general dentistry.
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| ABA and autism therapy (42) | Authorized hours against delivered hours, Payer mix stability, Billing compliance history | Working capital against authorization and billing lag |
| Physical, occupational, and speech therapy (40) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| General dentistry (13) | Three years of collections history, Hygiene as a share of collections, Overhead ratio and owner add-backs | Acquisition of an established practice |
The first column is Cottonwood Heights's own NPPES count. The rest is how the field is generally underwritten, whether the address is Cottonwood Heights or anywhere else.
How Cottonwood Heights prices against its neighbors
Density is the number that moves an appraisal: 47.2 per 10,000 here
| Comparable | People | Enumerations | Per 10,000 residents | Miles |
|---|---|---|---|---|
| Cottonwood Heights (current) | 32,437 | 153 | 47.2 | |
| Holladay | 30,588 | 129 | 42.2 | 3 |
| Sandy | 92,840 | 691 | 74.4 | 3 |
| Midvale | 36,219 | 232 | 64.1 | 4 |
| Millcreek | 64,217 | 49 | 7.6 | 5 |
| Draper | 50,166 | 610 | 121.6 | 8 |
| South Salt Lake | 26,561 | 134 | 50.4 | 8 |
Distance, income, and the wage floor around Cottonwood Heights
Distance to Salt Lake City-Murray, UT is 13 miles. Appraisers borrow Salt Lake City-Murray, UT rents, and the 32,437 residents set the ceiling on collections. Median household income runs $116,583, which is the number a funder converts into case acceptance on anything elective or cash-pay. No hospital operates here, so the referral sources and the call arrangement have to be named rather than assumed.
More of Utah
Cottonwood Heights owners, answered
01How many providers practice in Cottonwood Heights, and in what?
NPPES lists 153 providers at a Cottonwood Heights practice address, 47.2 per 10,000 residents across 19 tracked fields. ABA and autism therapy accounts for 42 of them, 27 percent of the total, with physical, occupational, and speech therapy next at 40. Read that as clinicians: 153 enumerations, not 153 owners.
02What does SBA lending look like around Cottonwood Heights?
The county file behind Cottonwood Heights holds 46 healthcare approvals totaling $38,190,600, an average of $830,230. Those are the loan sizes lenders in Salt Lake County have already carried.
03Is Cottonwood Heights underwritten as part of Salt Lake City-Murray, UT?
Partly. Salt Lake City-Murray, UT is 13 miles out, so rent and equipment comparables travel in from there while patients still come from the 32,437 residents around Cottonwood Heights. Cost side metro, revenue side local.
04What does a $116,583 median income mean for case acceptance?
Median household income in Cottonwood Heights runs $116,583. 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.
05What does Salt Lake County's shortage designation change?
HRSA designates Salt Lake County for primary care, dental, mental health. That opens loan repayment programs for clinicians recruited into Cottonwood Heights and evidences a staffing ramp in a 32,437 resident market.
06Is there local lending capacity in Salt Lake County?
County Business Patterns records 920 credit intermediation establishments in Salt Lake County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Cottonwood Heights 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
- 4U.S. Small Business Administration, 7(a) and 504 approvals
- 5CMS Care Compare provider datasets
- 6U.S. Census Bureau, County Business Patterns 2022
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