Washington micro-market
Healthcare practice financing in Liberty Lake, Washington
Direct answer
13,353 residents, 134 enumerated clinicians, 100.4 per 10,000, 26 percent of them in physical, occupational, and speech therapy: that is the Liberty Lake market a funder prices. Spokane County adds 13 healthcare approvals worth $5,392,700 and 15 miles of distance to Coeur d'Alene, ID.
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: 13,353 residents (10K-25K band)1
- Healthcare providers registered here: 134 across 19 fields2
- Median household income: $105,5993
- Largest provider field: Physical, occupational, and speech therapy: 35 registered providers2
- Medicare-certified providers in town: 1 across 1 categories4
- Nearest metro: Coeur d'Alene, ID, 15 miles1
Fields practicing inside Liberty Lake
The NPPES file puts 134 enumerated clinicians inside Liberty Lake, spread over 19 fields at 100.4 per 10,000 residents
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Physical, occupational, and speech therapy | 35 | 26.2 | NPPES [2] |
| Chiropractic | 25 | 18.7 | NPPES [2] |
| Primary care and family medicine | 17 | 12.7 | NPPES [2] |
| DME and HME suppliers | 9 | 6.7 | NPPES [2] |
| General dentistry | 9 | 6.7 | NPPES [2] |
| Dental specialties | 9 | 6.7 | NPPES [2] |
| Optometry and ophthalmology | 7 | 5.2 | NPPES [2] |
| Behavioral and mental health group practices | 6 | 4.5 | NPPES [2] |
| Independent pharmacy | 3 | 2.2 | NPPES [2] |
| Home health | 2 | 1.5 | NPPES [2] |
| Non-medical home care | 2 | 1.5 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 2 | 1.5 | NPPES [2] |
| Telehealth and virtual clinics | 2 | 1.5 | NPPES [2] |
| Dermatology | 1 | 0.7 | NPPES [2] |
| ABA and autism therapy | 1 | 0.7 | NPPES [2] |
| Hospice and palliative | 1 | 0.7 | NPPES [2] |
| Clinical research sites | 1 | 0.7 | NPPES [2] |
| Clinical and toxicology labs | 1 | 0.7 | NPPES [2] |
| Occupational health and drug testing | 1 | 0.7 | NPPES [2] |
| Medical equipment suppliers | 4 | CMS [4] | |
| Hospice providers | 1 | CMS [4] |
Several of the 35 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 Liberty Lake
13 healthcare approvals averaging $414,823 set the deal shape lenders in Spokane County have already underwritten
| Measure | Published figure | What sits behind it |
|---|---|---|
| Approvals on record | 13 | One published fiscal year, healthcare borrowers only [5] |
| Total approved capital | $5,392,700 | Approved, not disbursed, and not net of withdrawals [5] |
| Mean deal size | $414,823 | A mean, so one large approval moves it [5] |
| Lenders sited in the county | 300 | Credit intermediation offices sited in the county [6] |
The consequence of these numbers
100.4 per 10,000 is the first number a credit analyst converts into a realistic new-patient count. 13 approvals worth $5,392,700 in Spokane County means the size you are asking for has a local precedent to point at. Household income of $105,599 in Liberty Lake 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
- Startup and de novo
- Working capital term loan
- Equipment financing and leasing
- Expansion, relocation, and build-out
The order comes from Liberty Lake's own provider mix, which physical, occupational, and speech therapy dominates at 26 percent. What a partner can actually place in Washington is a separate question.
Underwriting by field in Liberty Lake
physical, occupational, and speech therapy, chiropractic, primary care and family medicine account for most of what is enumerated in Liberty Lake, so those are the files funders see from this town
| Practice type | The pages that decide it | Typical capital event |
|---|---|---|
| Physical, occupational, and speech therapy (35) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Chiropractic (25) | Cash plan revenue, Personal injury receivable age, Visit volume | Startup or acquisition |
| Primary care and family medicine (17) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
Local counts come from NPPES. What a file turns on is drawn from how the field is generally reviewed, not from any decision about your practice.
Liberty Lake against nearby Washington markets
Set Liberty Lake's 100.4 per 10,000 against the towns an appraiser would reach for next
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Liberty Lake (current) | 13,353 | 134 | 100.4 | |
| Airway Heights | 11,950 | 25 | 20.9 | 22 |
| Cheney | 12,700 | 48 | 37.8 | 25 |
| Pullman | 33,543 | 241 | 71.8 | 65 |
| Moses Lake | 26,969 | 362 | 134.2 | 108 |
| Walla Walla | 33,901 | 444 | 131.0 | 124 |
| Pasco | 81,724 | 322 | 39.4 | 135 |
What the geography does to a Liberty Lake projection
15 miles separate Liberty Lake from Coeur d'Alene, ID. Lease pricing follows Coeur d'Alene, ID, while revenue stays capped by the 13,353 residents here. At $105,599 median household income, the elective and cash-pay share of a projection is the line that gets tested first. With no hospital in town, a projection has to name where referrals and coverage come from.
More of Washington
- Airway Heights 11,950 residents
- Cheney 12,700 residents
- Pullman 33,543 residents
- Moses Lake 26,969 residents
- Walla Walla 33,901 residents
- Pasco 81,724 residents
What owners in Liberty Lake ask
01How many providers practice in Liberty Lake, and in what?
NPPES lists 134 providers at a Liberty Lake practice address, 100.4 per 10,000 residents across 19 tracked fields. Physical, occupational, and speech therapy accounts for 35 of them, 26 percent of the total, with chiropractic next at 25. Read that as clinicians: 134 enumerations, not 134 owners.
02What does Spokane County's shortage designation change?
Spokane County holds a HRSA designation covering primary care, dental, mental health. A pro forma for Liberty Lake can cite it as the reason a vacancy is fillable, which is usually the weakest line in a ramp schedule.
03Is Liberty Lake underwritten as part of Coeur d'Alene, ID?
Comparables and demand split at 15 miles. An appraiser prices the lease and the equipment off Coeur d'Alene, ID; the revenue line has to hold up against 13,353 local residents.
04What does a $105,599 median income mean for case acceptance?
Median household income in Liberty Lake runs $105,599. 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 SBA lending look like around Liberty Lake?
$5,392,700 went to healthcare borrowers in Spokane County across 13 approvals, $414,823 on average. Deals near Liberty Lake get sized against that record before anything else.
06Is there local lending capacity in Spokane County?
County Business Patterns records 300 credit intermediation establishments in Spokane County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Liberty Lake 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
- 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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