Washington micro-market
Healthcare practice financing in Lacey, Washington
Direct answer
Density decides a lot here. Lacey runs 121.4 providers per 10,000 residents, 712 clinicians against 58,644 people, 25 percent of them in aba and autism therapy, while Thurston County lenders have approved 10 healthcare files worth $7,159,000 and the nearest metro is 0 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: 58,644 residents (50K-100K band)1
- Healthcare providers registered here: 712 across 28 fields2
- Median household income: $87,2773
- Largest provider field: ABA and autism therapy: 178 registered providers2
- Medicare-certified providers in town: 5 across 4 categories4
- Nearest metro: Olympia-Lacey-Tumwater, WA, 0 miles1
The provider census in Lacey
712 providers across 28 fields, 121.4 per 10,000 residents, counted at Lacey addresses in the NPPES monthly file
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| ABA and autism therapy | 178 | 30.4 | NPPES [2] |
| Physical, occupational, and speech therapy | 164 | 28.0 | NPPES [2] |
| Behavioral and mental health group practices | 68 | 11.6 | NPPES [2] |
| Chiropractic | 56 | 9.5 | NPPES [2] |
| Primary care and family medicine | 50 | 8.5 | NPPES [2] |
| General dentistry | 43 | 7.3 | NPPES [2] |
| Optometry and ophthalmology | 31 | 5.3 | NPPES [2] |
| Independent pharmacy | 17 | 2.9 | NPPES [2] |
| DME and HME suppliers | 11 | 1.9 | NPPES [2] |
| Home health | 11 | 1.9 | NPPES [2] |
| Dental specialties | 11 | 1.9 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 10 | 1.7 | NPPES [2] |
| SUD treatment and residential | 9 | 1.5 | NPPES [2] |
| Specialty physician groups | 9 | 1.5 | NPPES [2] |
| Clinical and toxicology labs | 9 | 1.5 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 6 | 1.0 | NPPES [2] |
| Med spa and aesthetics | 5 | 0.9 | NPPES [2] |
| Podiatry | 3 | 0.5 | NPPES [2] |
| Non-medical home care | 3 | 0.5 | NPPES [2] |
| Hormone, TRT, and men's health clinics | 3 | 0.5 | NPPES [2] |
| Dialysis and infusion centers | 3 | 0.5 | NPPES [2] |
| Urgent care | 2 | 0.3 | NPPES [2] |
| ASCs and OBLs | 2 | 0.3 | NPPES [2] |
| Audiology and hearing centers | 2 | 0.3 | NPPES [2] |
| Hospice and palliative | 2 | 0.3 | NPPES [2] |
| Telehealth and virtual clinics | 2 | 0.3 | NPPES [2] |
| Imaging centers | 1 | 0.2 | NPPES [2] |
| Occupational health and drug testing | 1 | 0.2 | NPPES [2] |
| Medical equipment suppliers | 14 | CMS [4] | |
| Dialysis facilities | 2 | CMS [4] | |
| Ambulatory surgical centers | 1 | CMS [4] | |
| Hospice providers | 1 | CMS [4] | |
| Home health agencies | 1 | CMS [4] |
Several of the 178 aba and autism therapy enumerations can belong to one practice, so the column counts clinicians rather than businesses or owners
What Thurston County credit files already show
Lenders in Thurston County have already closed 10 healthcare approvals, averaging $715,900, which is the size a new file gets read beside
| Measure | Published figure | What sits behind it |
|---|---|---|
| SBA healthcare approvals | 10 | Counted for the fiscal year the SBA publishes [5] |
| Approved dollars | $7,159,000 | Everything approved to healthcare borrowers, added up [5] |
| Average approval | $715,900 | The dollar column over the approval column [5] |
| Lending establishments in the county | 135 | Places that write credit locally, NAICS 522 [6] |
What the two tables above change about a file
The ratio that matters up front is 121.4 per 10,000, which decides whether a ramp schedule reads as conservative. A request measured against 10 prior Thurston County approvals is priced on precedent, which shortens the questions about valuation. Household income of $87,277 in Lacey is the number a lender uses to sanity check the self-pay share of a revenue projection.
The programs this provider mix points at
- Practice acquisition
- Working capital term loan
- Startup and de novo
- Expansion, relocation, and build-out
- Equipment financing and leasing
Ranked from the 28 fields that actually practice in Lacey, weighted toward aba and autism therapy. Availability still depends on Washington and on the funding partner.
The first pages of a Lacey file
Drawn from the fields that actually practice here: aba and autism therapy, physical, occupational, and speech therapy, behavioral and mental health group practices
| Field | What the file turns on | The capital event behind most requests |
|---|---|---|
| ABA and autism therapy (178) | Authorized hours against delivered hours, Payer mix stability, Billing compliance history | Working capital against authorization and billing lag |
| Physical, occupational, and speech therapy (164) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Behavioral and mental health group practices (68) | Clinician retention and productivity, Payer mix and Medicaid concentration, Re-authorization and session limit exposure | Working capital through the credentialing lag |
Column one counts Lacey clinicians from the federal file. Columns two and three describe how the field is usually underwritten, and a partner can read a Lacey file differently.
Lacey against nearby Washington markets
121.4 per 10,000 is the figure a neighboring town gets compared against when an appraiser prices Lacey
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Lacey (current) | 58,644 | 712 | 121.4 | |
| Olympia | 56,271 | 1,819 | 323.3 | 5 |
| Tumwater | 27,826 | 277 | 99.5 | 7 |
| Yelm | 11,715 | 113 | 96.5 | 10 |
| University Place | 35,160 | 364 | 103.5 | 17 |
| Shelton | 10,737 | 175 | 163.0 | 19 |
| Gig Harbor | 12,643 | 558 | 441.4 | 22 |
How Lacey sits against the nearest metro
Distance to Olympia-Lacey-Tumwater, WA is 0 miles. Appraisers borrow Olympia-Lacey-Tumwater, WA rents, and the 58,644 residents set the ceiling on collections. At $87,277 median household income, the elective and cash-pay share of a projection is the line that gets tested first. A Medicare-certified hospital operates here, so referral flow is verifiable and the clinical wage floor is already set. A college in Lacey puts a term-shaped curve into monthly collections.
Nearby Washington towns
- Olympia 56,271 residents
- Tumwater 27,826 residents
- Yelm 11,715 residents
- University Place 35,160 residents
- Shelton 10,737 residents
- Gig Harbor 12,643 residents
Questions from Lacey
01How many providers practice in Lacey, and in what?
NPPES lists 712 providers at a Lacey practice address, 121.4 per 10,000 residents across 28 tracked fields. ABA and autism therapy accounts for 178 of them, 25 percent of the total, with physical, occupational, and speech therapy next at 164. Read that as clinicians: 712 enumerations, not 712 owners.
02Which fields carry the volume in Lacey?
Volume concentrates in aba and autism therapy, 178 of them, ahead of physical, occupational, and speech therapy at 164, across 28 fields. A thin second field usually means a longer search for staff than a pro forma allows for.
03Is Lacey underwritten as part of Olympia-Lacey-Tumwater, WA?
Olympia-Lacey-Tumwater, WA sits 0 miles away, close enough that appraisers reach into that market for rent and resale comparables while your patient draw stays local. The comparables read Olympia-Lacey-Tumwater, WA; the 58,644 residents set the ceiling a projection can defend.
04What does SBA lending look like around Lacey?
The county file behind Lacey holds 10 healthcare approvals totaling $7,159,000, an average of $715,900. Those are the loan sizes lenders in Thurston County have already carried.
05What does Thurston County's shortage designation change?
Thurston County holds a HRSA designation covering primary care, dental, mental health. A pro forma for Lacey can cite it as the reason a vacancy is fillable, which is usually the weakest line in a ramp schedule.
06How does the hospital in Lacey affect a practice file?
A Medicare-certified hospital operates in the town, which gives referral flow, a call schedule, and a clinical labor pool a funder can verify. 5 Medicare-certified providers are located here in total. It also sets the wage floor behind every hire in a 121.4 per 10,000 market.
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.