Washington micro-market
Healthcare practice financing in Mercer Island, Washington
Direct answer
25,302 residents, 202 enumerated clinicians, 79.8 per 10,000, 33 percent of them in physical, occupational, and speech therapy: that is the Mercer Island market a funder prices. King County adds 91 healthcare approvals worth $42,384,900 and 7 miles of distance to Seattle-Tacoma-Bellevue, WA.
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: 25,302 residents (25K-50K band)1
- Healthcare providers registered here: 202 across 23 fields2
- Median household income: $202,3593
- Largest provider field: Physical, occupational, and speech therapy: 67 registered providers2
- Nearest metro: Seattle-Tacoma-Bellevue, WA, 7 miles1
- SBA healthcare approvals in the county: 91 approvals totaling $42,384,9004
Who is enumerated in Mercer Island
The NPPES file puts 202 enumerated clinicians inside Mercer Island, spread over 23 fields at 79.8 per 10,000 residents
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Physical, occupational, and speech therapy | 67 | 26.5 | NPPES [2] |
| Specialty physician groups | 17 | 6.7 | NPPES [2] |
| Chiropractic | 13 | 5.1 | NPPES [2] |
| General dentistry | 13 | 5.1 | NPPES [2] |
| Dental specialties | 13 | 5.1 | NPPES [2] |
| Dialysis and infusion centers | 13 | 5.1 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 12 | 4.7 | NPPES [2] |
| Dermatology | 9 | 3.6 | NPPES [2] |
| Optometry and ophthalmology | 7 | 2.8 | NPPES [2] |
| Primary care and family medicine | 6 | 2.4 | NPPES [2] |
| Independent pharmacy | 5 | 2.0 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 5 | 2.0 | NPPES [2] |
| Podiatry | 4 | 1.6 | NPPES [2] |
| DME and HME suppliers | 3 | 1.2 | NPPES [2] |
| Home health | 3 | 1.2 | NPPES [2] |
| Med spa and aesthetics | 3 | 1.2 | NPPES [2] |
| Behavioral and mental health group practices | 3 | 1.2 | NPPES [2] |
| SUD treatment and residential | 1 | 0.4 | NPPES [2] |
| NEMT and ambulance | 1 | 0.4 | NPPES [2] |
| Non-medical home care | 1 | 0.4 | NPPES [2] |
| ABA and autism therapy | 1 | 0.4 | NPPES [2] |
| Hormone, TRT, and men's health clinics | 1 | 0.4 | NPPES [2] |
| Clinical and toxicology labs | 1 | 0.4 | NPPES [2] |
| Medical equipment suppliers | 2 | CMS [5] |
Physical, occupational, and speech therapy carries 67 of the 202 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
Loan activity in King County
91 healthcare approvals averaging $465,768 set the deal shape lenders in King County have already underwritten
| What it measures | Value | How to read it |
|---|---|---|
| SBA healthcare approvals | 91 | Counted for the fiscal year the SBA publishes [4] |
| Approved dollars | $42,384,900 | Everything approved to healthcare borrowers, added up [4] |
| Average approval | $465,768 | The dollar column over the approval column [4] |
| Lending establishments in the county | 1,205 | Places that write credit locally, NAICS 522 [6] |
Reading Mercer Island the way a credit committee does
A file from here opens on 79.8 providers per 10,000 residents, and everything about volume follows from it. 91 approvals worth $42,384,900 in King County means the size you are asking for has a local precedent to point at. With $202,359 as the median household income, the payer mix in a projection has to match what Mercer Island households actually spend.
Where a file from this town usually lands
- Practice acquisition
- Startup and de novo
- Equipment financing and leasing
- Working capital term loan
- Expansion, relocation, and build-out
The 23 fields practicing locally set this order. A funding partner, not this list, decides what is available in Washington.
The first pages of a Mercer Island file
What a funder opens first depends on the field. In Mercer Island that means physical, occupational, and speech therapy, specialty physician groups, chiropractic.
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| Physical, occupational, and speech therapy (67) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Specialty physician groups (17) | Ancillary revenue contribution, Provider productivity, Payer contracts | Ancillary build-out |
| Chiropractic (13) | Cash plan revenue, Personal injury receivable age, Visit volume | Startup or 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.
How Mercer Island prices against its neighbors
Density is the number that moves an appraisal: 79.8 per 10,000 here
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Mercer Island (current) | 25,302 | 202 | 79.8 | |
| Newcastle | 13,072 | 78 | 59.7 | 4 |
| Tukwila | 21,636 | 683 | 315.7 | 6 |
| Burien | 52,046 | 462 | 88.8 | 8 |
| Issaquah | 39,664 | 789 | 198.9 | 9 |
| Kirkland | 95,499 | 1,287 | 134.8 | 9 |
| Sammamish | 66,474 | 177 | 26.6 | 9 |
How Mercer Island sits against the nearest metro
Distance to Seattle-Tacoma-Bellevue, WA is 7 miles. Appraisers borrow Seattle-Tacoma-Bellevue, WA rents, and the 25,302 residents set the ceiling on collections. At $202,359 median household income, the elective and cash-pay share of a projection is the line that gets tested first. Referral flow comes from outside Mercer Island, which a projection needs to state plainly.
More of Washington
What owners in Mercer Island ask
01How many providers practice in Mercer Island, and in what?
Across 23 fields, Mercer Island carries 202 enumerated clinicians, 79.8 per 10,000 of the 25,302 people living here. The concentration is in physical, occupational, and speech therapy, 67 of the total, then specialty physician groups at 17. Count practices from that only with care.
02What does SBA lending look like around Mercer Island?
$42,384,900 went to healthcare borrowers in King County across 91 approvals, $465,768 on average. Deals near Mercer Island get sized against that record before anything else.
03What does a $202,359 median income mean for case acceptance?
Median household income in Mercer Island runs $202,359. 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.
04What does King County's shortage designation change?
King County holds a HRSA designation covering primary care, dental, mental health. A pro forma for Mercer Island can cite it as the reason a vacancy is fillable, which is usually the weakest line in a ramp schedule.
05Is there local lending capacity in King County?
County Business Patterns records 1,205 credit intermediation establishments in King County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Mercer Island rents and resale before or by somebody working from a screen.
06Which fields carry the volume in Mercer Island?
The 23 enumerated fields are led by physical, occupational, and speech therapy at 67, with specialty physician groups at 17 behind it. Those two counts double as the competition you are entering and the bench you would hire from.
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
- 4U.S. Small Business Administration, 7(a) and 504 approvals
- 5CMS Care Compare provider datasets
- 6U.S. Census Bureau, County Business Patterns 2022
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