Washington micro-market
Healthcare practice financing in Fife, Washington
Direct answer
Density decides a lot here. Fife runs 49.7 providers per 10,000 residents, 55 clinicians against 11,077 people, 35 percent of them in behavioral and mental health group practices, while Pierce County lenders have approved 28 healthcare files worth $8,450,400 and the nearest metro is 25 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: 11,077 residents (10K-25K band)1
- Healthcare providers registered here: 55 across 14 fields2
- Median household income: $90,5153
- Largest provider field: Behavioral and mental health group practices: 19 registered providers2
- Medicare-certified providers in town: 1 across 1 categories4
- Nearest metro: Olympia-Lacey-Tumwater, WA, 25 miles1
What NPPES records at Fife addresses
The NPPES file puts 55 enumerated clinicians inside Fife, spread over 14 fields at 49.7 per 10,000 residents
| Practice type | Count | Rate per 10,000 residents | Published by |
|---|---|---|---|
| Behavioral and mental health group practices | 19 | 17.2 | NPPES [2] |
| DME and HME suppliers | 6 | 5.4 | NPPES [2] |
| Chiropractic | 6 | 5.4 | NPPES [2] |
| Physical, occupational, and speech therapy | 6 | 5.4 | NPPES [2] |
| Primary care and family medicine | 5 | 4.5 | NPPES [2] |
| Independent pharmacy | 2 | 1.8 | NPPES [2] |
| Non-medical home care | 2 | 1.8 | NPPES [2] |
| ABA and autism therapy | 2 | 1.8 | NPPES [2] |
| Specialty physician groups | 2 | 1.8 | NPPES [2] |
| Home health | 1 | 0.9 | NPPES [2] |
| SUD treatment and residential | 1 | 0.9 | NPPES [2] |
| Med spa and aesthetics | 1 | 0.9 | NPPES [2] |
| Optometry and ophthalmology | 1 | 0.9 | NPPES [2] |
| Dialysis and infusion centers | 1 | 0.9 | NPPES [2] |
| Medical equipment suppliers | 2 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] |
Behavioral and mental health group practices carries 19 of the 55 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
What Pierce County credit files already show
The published file shows 28 healthcare approvals in Pierce County, $8,450,400 in total, and that history is what an appraiser and a credit committee reach for
| What it measures | Value | How to read it |
|---|---|---|
| SBA healthcare approvals | 28 | Fiscal year published in the SBA file [5] |
| Approved dollars | $8,450,400 | Sum of approvals to healthcare borrowers [5] |
| Average approval | $301,800 | Dollars divided by approvals [5] |
| Lending establishments in the county | 396 | Credit intermediation establishments, NAICS 522 [6] |
Reading Fife the way a credit committee does
49.7 per 10,000 is the first number a credit analyst converts into a realistic new-patient count. 28 approvals worth $8,450,400 in Pierce County means the size you are asking for has a local precedent to point at. A $90,515 median household income here sets the ceiling on what an elective or cash-pay line can be expected to carry.
Where a file from this town usually lands
- Working capital term loan
- Practice acquisition
- Business line of credit
- Equipment financing and leasing
- Startup and de novo
The 14 fields practicing locally set this order. A funding partner, not this list, decides what is available in Washington.
The first pages of a Fife file
What a funder opens first depends on the field. In Fife that means behavioral and mental health group practices, dme and hme suppliers, chiropractic.
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| Behavioral and mental health group practices (19) | Clinician retention and productivity, Payer mix and Medicaid concentration, Re-authorization and session limit exposure | Working capital through the credentialing lag |
| DME and HME suppliers (6) | Accreditation and surety bond status, Rental versus sale revenue split, Denial rate and documentation quality | Inventory and rental fleet |
| Chiropractic (6) | Cash plan revenue, Personal injury receivable age, Visit volume | Startup or acquisition |
Column one counts Fife clinicians from the federal file. Columns two and three describe how the field is usually underwritten, and a partner can read a Fife file differently.
Density beside the neighboring Washington towns
Comparables travel. These are the Washington towns whose density, at 49.7 per 10,000 here, gets weighed beside this one.
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Fife (current) | 11,077 | 55 | 49.7 | |
| Edgewood | 13,496 | 17 | 12.6 | 3 |
| Puyallup | 42,552 | 1,391 | 326.9 | 5 |
| Sumner | 10,885 | 86 | 79.0 | 5 |
| Bonney Lake | 22,145 | 205 | 92.6 | 9 |
| University Place | 35,160 | 364 | 103.5 | 9 |
| Des Moines | 33,207 | 185 | 55.7 | 11 |
Distance, income, and the wage floor around Fife
Distance to Olympia-Lacey-Tumwater, WA is 25 miles. Appraisers borrow Olympia-Lacey-Tumwater, WA rents, and the 11,077 residents set the ceiling on collections. At $90,515 median household income, the elective and cash-pay share of a projection is the line that gets tested first. Referral flow comes from outside Fife, which a projection needs to state plainly.
Nearby Washington towns
- Edgewood 13,496 residents
- Puyallup 42,552 residents
- Sumner 10,885 residents
- Bonney Lake 22,145 residents
- University Place 35,160 residents
- Des Moines 33,207 residents
What owners in Fife ask
01How many providers practice in Fife, and in what?
Across 14 fields, Fife carries 55 enumerated clinicians, 49.7 per 10,000 of the 11,077 people living here. The concentration is in behavioral and mental health group practices, 19 of the total, then dme and hme suppliers at 6. Count practices from that only with care.
02What does Pierce County's shortage designation change?
Pierce County holds a HRSA designation covering primary care, dental, mental health. A pro forma for Fife can cite it as the reason a vacancy is fillable, which is usually the weakest line in a ramp schedule.
03What does SBA lending look like around Fife?
The county file behind Fife holds 28 healthcare approvals totaling $8,450,400, an average of $301,800. Those are the loan sizes lenders in Pierce County have already carried.
04Is Fife underwritten as part of Olympia-Lacey-Tumwater, WA?
Comparables and demand split at 25 miles. An appraiser prices the lease and the equipment off Olympia-Lacey-Tumwater, WA; the revenue line has to hold up against 11,077 local residents.
05Is there local lending capacity in Pierce County?
County Business Patterns records 396 credit intermediation establishments in Pierce County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Fife rents and resale before or by somebody working from a screen.
06What does the underserved designation in Pierce County support?
Pierce 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
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