Washington micro-market
Healthcare practice financing in Arlington, Washington
Direct answer
Density decides a lot here. Arlington runs 124.3 providers per 10,000 residents, 273 clinicians against 21,959 people, 22 percent of them in physical, occupational, and speech therapy, while Snohomish County lenders have approved 15 healthcare files worth $12,546,400 and the nearest metro is 19 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 Washington, and how many partners see it, is set out on the Washington page.
- Population: 21,959 residents (10K-25K band)1
- Healthcare providers registered here: 273 across 26 fields2
- Median household income: $84,9193
- Largest provider field: Physical, occupational, and speech therapy: 61 registered providers2
- Medicare-certified providers in town: 5 across 2 categories4
- Nearest metro: Mount Vernon-Anacortes, WA, 19 miles1
What NPPES records at Arlington addresses
Counted at the town's own addresses: 273 providers, 26 fields, 124.3 clinicians per 10,000 of the 21,959 residents here
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| Physical, occupational, and speech therapy | 61 | 27.8 | NPPES [2] |
| Chiropractic | 39 | 17.8 | NPPES [2] |
| General dentistry | 33 | 15.0 | NPPES [2] |
| Primary care and family medicine | 29 | 13.2 | NPPES [2] |
| Optometry and ophthalmology | 18 | 8.2 | NPPES [2] |
| Behavioral and mental health group practices | 18 | 8.2 | NPPES [2] |
| Dental specialties | 15 | 6.8 | NPPES [2] |
| Independent pharmacy | 8 | 3.6 | NPPES [2] |
| DME and HME suppliers | 6 | 2.7 | NPPES [2] |
| Specialty physician groups | 5 | 2.3 | NPPES [2] |
| ASCs and OBLs | 4 | 1.8 | NPPES [2] |
| SUD treatment and residential | 4 | 1.8 | NPPES [2] |
| NEMT and ambulance | 4 | 1.8 | NPPES [2] |
| Telehealth and virtual clinics | 4 | 1.8 | NPPES [2] |
| Podiatry | 3 | 1.4 | NPPES [2] |
| Non-medical home care | 3 | 1.4 | NPPES [2] |
| ABA and autism therapy | 3 | 1.4 | NPPES [2] |
| Clinical and toxicology labs | 3 | 1.4 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 3 | 1.4 | NPPES [2] |
| Audiology and hearing centers | 2 | 0.9 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 2 | 0.9 | NPPES [2] |
| Dialysis and infusion centers | 2 | 0.9 | NPPES [2] |
| Dermatology | 1 | 0.5 | NPPES [2] |
| Home health | 1 | 0.5 | NPPES [2] |
| Med spa and aesthetics | 1 | 0.5 | NPPES [2] |
| Occupational health and drug testing | 1 | 0.5 | NPPES [2] |
| Medical equipment suppliers | 6 | CMS [4] | |
| Ambulatory surgical centers | 3 | CMS [4] | |
| Dialysis facilities | 2 | CMS [4] |
Several of the 61 physical, occupational, and speech therapy enumerations can belong to one practice, so the column counts clinicians rather than businesses or owners
The lending record behind Arlington
The published file shows 15 healthcare approvals in Snohomish County, $12,546,400 in total, and that history is what an appraiser and a credit committee reach for
| Measure | Published figure | What sits behind it |
|---|---|---|
| SBA healthcare approvals | 15 | Fiscal year published in the SBA file [5] |
| Approved dollars | $12,546,400 | Sum of approvals to healthcare borrowers [5] |
| Average approval | $836,427 | Dollars divided by approvals [5] |
| Lending establishments in the county | 361 | Credit intermediation establishments, NAICS 522 [6] |
How this data lands in an underwriting decision
Density of 124.3 per 10,000 sets the patient draw a projection can claim without an argument. Because Snohomish County already carries $12,546,400 across 15 healthcare approvals, a request near that average moves faster than one well above it. With $84,919 as the median household income, the payer mix in a projection has to match what Arlington households actually spend.
The programs this provider mix points at
- Practice acquisition
- Startup and de novo
- Working capital term loan
- Equipment financing and leasing
- Expansion, relocation, and build-out
Ranked from the 26 fields that actually practice in Arlington, weighted toward physical, occupational, and speech therapy. Availability still depends on Washington and on the funding partner.
Underwriting by field in Arlington
physical, occupational, and speech therapy, chiropractic, general dentistry account for most of what is enumerated in Arlington, 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 (61) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Chiropractic (39) | Cash plan revenue, Personal injury receivable age, Visit volume | Startup or acquisition |
| General dentistry (33) | 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 Arlington's own NPPES count. The rest is how the field is generally underwritten, whether the address is Arlington or anywhere else.
Density beside the neighboring Washington towns
The neighboring markets below are the ones a valuation borrows from when Arlington has too few sales of its own
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Arlington (current) | 21,959 | 273 | 124.3 | |
| Marysville | 76,209 | 401 | 52.6 | 6 |
| Lake Stevens | 41,350 | 149 | 36.0 | 12 |
| Snohomish | 10,534 | 208 | 197.5 | 17 |
| Mount Vernon | 35,344 | 587 | 166.1 | 19 |
| Mukilteo | 21,299 | 179 | 84.0 | 19 |
| Mill Creek | 20,993 | 281 | 133.9 | 21 |
How Arlington sits against the nearest metro
Distance to Mount Vernon-Anacortes, WA is 19 miles. Appraisers borrow Mount Vernon-Anacortes, WA rents, and the 21,959 residents set the ceiling on collections. At $84,919 median household income, the elective and cash-pay share of a projection is the line that gets tested first. Because a certified hospital sits inside the town, both the referral path and the pay a clinical hire expects are already observable.
Nearby Washington towns
- Marysville 76,209 residents
- Lake Stevens 41,350 residents
- Snohomish 10,534 residents
- Mount Vernon 35,344 residents
- Mukilteo 21,299 residents
- Mill Creek 20,993 residents
Questions from Arlington
01How many providers practice in Arlington, and in what?
273 enumerations sit at Arlington addresses in the monthly NPPES file, working out to 124.3 for every 10,000 residents. 22 percent of them are physical, occupational, and speech therapy, and chiropractic follows with 39. An enumeration is a clinician, so the 273 here cover fewer than 273 practices.
02What does Snohomish County's shortage designation change?
The primary care, dental, mental health designation HRSA carries on Snohomish County is a recruiting instrument: it puts repayment incentives in front of candidates, which is how a hiring plan for 21,959 residents gets past the question of who would take the job.
03How does the hospital in Arlington affect a practice file?
Referral flow, coverage, and the local pay scale all trace back to it. The town carries 5 Medicare-certified providers in total. A Arlington projection that names the call arrangement reads better than one that assumes it.
04Which fields carry the volume in Arlington?
The 26 enumerated fields are led by physical, occupational, and speech therapy at 61, with chiropractic at 39 behind it. Those two counts double as the competition you are entering and the bench you would hire from.
05Is Arlington underwritten as part of Mount Vernon-Anacortes, WA?
Comparables and demand split at 19 miles. An appraiser prices the lease and the equipment off Mount Vernon-Anacortes, WA; the revenue line has to hold up against 21,959 local residents.
06What does SBA lending look like around Arlington?
$12,546,400 went to healthcare borrowers in Snohomish County across 15 approvals, $836,427 on average. Deals near Arlington get sized against that record before anything else.
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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