Washington micro-market
Healthcare practice financing in Kelso, Washington
Direct answer
A Kelso file is read against 85 local clinicians, 66.7 for every 10,000 of its 12,737 residents, 32 percent of them in behavioral and mental health group practices, plus the 2 SBA healthcare approvals worth $2,096,000 already recorded in Cowlitz County, 4 miles from Longview-Kelso, WA.
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- Population: 12,737 residents (10K-25K band)1
- Healthcare providers registered here: 85 across 14 fields2
- Median household income: $59,4623
- Largest provider field: Behavioral and mental health group practices: 27 registered providers2
- Nearest metro: Longview-Kelso, WA, 4 miles1
- County seat: Kelso is the seat of Cowlitz County4
Fields practicing inside Kelso
66.7 providers per 10,000 residents is what 85 enumerations across 14 fields works out to in a town of 12,737
| Practice type | Count | Rate per 10,000 residents | Published by |
|---|---|---|---|
| Behavioral and mental health group practices | 27 | 21.2 | NPPES [2] |
| Physical, occupational, and speech therapy | 26 | 20.4 | NPPES [2] |
| General dentistry | 7 | 5.5 | NPPES [2] |
| Independent pharmacy | 4 | 3.1 | NPPES [2] |
| Optometry and ophthalmology | 4 | 3.1 | NPPES [2] |
| SUD treatment and residential | 3 | 2.4 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 3 | 2.4 | NPPES [2] |
| DME and HME suppliers | 2 | 1.6 | NPPES [2] |
| Chiropractic | 2 | 1.6 | NPPES [2] |
| NEMT and ambulance | 2 | 1.6 | NPPES [2] |
| ABA and autism therapy | 2 | 1.6 | NPPES [2] |
| Imaging centers | 1 | 0.8 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 1 | 0.8 | NPPES [2] |
| Telehealth and virtual clinics | 1 | 0.8 | NPPES [2] |
| Medical equipment suppliers | 2 | CMS [5] |
Several of the 27 behavioral and mental health group practices enumerations can belong to one practice, so the column counts clinicians rather than businesses or owners
Cowlitz County approvals, dollars, and lending establishments
2 healthcare approvals sit in the county file, so an appraiser here works from a short comparable set
| Measure | Published figure | What sits behind it |
|---|---|---|
| Approvals on record | 2 | Counted for the fiscal year the SBA publishes [6] |
| Total approved capital | $2,096,000 | Everything approved to healthcare borrowers, added up [6] |
| Mean deal size | $1,048,000 | The dollar column over the approval column [6] |
| Lenders sited in the county | 44 | Places that write credit locally, NAICS 522 [7] |
How this data lands in an underwriting decision
A file from here opens on 66.7 providers per 10,000 residents, and everything about volume follows from it. A short county record of 2 approvals usually means more documentation and a lower advance against the same collateral. Household income of $59,462 in Kelso is the number a lender uses to sanity check the self-pay share of a revenue projection.
Programs the Kelso mix reaches for
- Practice acquisition
- Working capital term loan
- Startup and de novo
- Business line of credit
- Expansion, relocation, and build-out
Weighted by how often each of the 14 local fields reaches for a program, not by what is easiest to refer. Washington rules and the partner decide availability.
The first pages of a Kelso file
Drawn from the fields that actually practice here: behavioral and mental health group practices, physical, occupational, and speech therapy, general dentistry
| Field | What the file turns on | The capital event behind most requests |
|---|---|---|
| Behavioral and mental health group practices (27) | 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 (26) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| General dentistry (7) | 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 Kelso's own NPPES count. The rest is how the field is generally underwritten, whether the address is Kelso or anywhere else.
How Kelso prices against its neighbors
Density is the number that moves an appraisal: 66.7 per 10,000 here
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Kelso (current) | 12,737 | 85 | 66.7 | |
| Longview | 38,294 | 869 | 226.9 | 4 |
| Ridgefield | 15,359 | 66 | 43.0 | 23 |
| Battle Ground | 22,959 | 168 | 73.2 | 29 |
| Camas | 27,313 | 180 | 65.9 | 42 |
| Centralia | 19,061 | 412 | 216.1 | 42 |
| Washougal | 17,944 | 59 | 32.9 | 45 |
What the geography does to a Kelso projection
4 miles separate Kelso from Longview-Kelso, WA. Lease pricing follows Longview-Kelso, WA, while revenue stays capped by the 12,737 residents here. Households here carry $59,462 in median income, and that ceiling decides how much of a treatment plan gets started rather than deferred. With no hospital in town, a projection has to name where referrals and coverage come from. Kelso is the Cowlitz County seat, so county employment steadies the payer mix.
Nearby Washington towns
- Longview 38,294 residents
- Ridgefield 15,359 residents
- Battle Ground 22,959 residents
- Camas 27,313 residents
- Centralia 19,061 residents
- Washougal 17,944 residents
Kelso owners, answered
01How many providers practice in Kelso, and in what?
85 enumerations sit at Kelso addresses in the monthly NPPES file, working out to 66.7 for every 10,000 residents. 32 percent of them are behavioral and mental health group practices, and physical, occupational, and speech therapy follows with 26. An enumeration is a clinician, so the 85 here cover fewer than 85 practices.
02What does Cowlitz County's shortage designation change?
Designated for primary care, dental, mental health, Cowlitz County qualifies its clinicians for federal repayment support. On a file that turns on adding staff, that is the difference between a hiring assumption and a hiring plan.
03Why does Cowlitz County show so little SBA activity?
Cowlitz County shows 2 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. 44 lending establishments operate locally.
04Which fields carry the volume in Kelso?
Behavioral and mental health group practices at 27 providers and physical, occupational, and speech therapy at 26 lead the 14 fields enumerated here. A funder reads that mix as the local competition set and the local hiring pool at once, before it reads a single line of your own numbers.
05Is Kelso underwritten as part of Longview-Kelso, WA?
Comparables and demand split at 4 miles. An appraiser prices the lease and the equipment off Longview-Kelso, WA; the revenue line has to hold up against 12,737 local residents.
06What does the underserved designation in Cowlitz County support?
Cowlitz 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
- 4Census county subdivision and Wikidata county-seat records
- 5CMS Care Compare provider datasets
- 6U.S. Small Business Administration, 7(a) and 504 approvals
- 7U.S. Census Bureau, County Business Patterns 2022
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