Washington micro-market
Healthcare practice financing in Pasco, Washington
Direct answer
Density decides a lot here. Pasco runs 39.4 providers per 10,000 residents, 322 clinicians against 81,724 people, 28 percent of them in physical, occupational, and speech therapy, while Franklin County lenders have approved 1 healthcare files worth $1,409,000 and the nearest metro is 5 miles out.
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- Population: 81,724 residents (50K-100K band)1
- Healthcare providers registered here: 322 across 26 fields2
- Median household income: $81,1303
- Largest provider field: Physical, occupational, and speech therapy: 90 registered providers2
- Medicare-certified providers in town: 1 across 1 categories4
- Nearest metro: Kennewick-Richland, WA, 5 miles1
The provider census in Pasco
39.4 providers per 10,000 residents is what 322 enumerations across 26 fields works out to in a town of 81,724
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| Physical, occupational, and speech therapy | 90 | 11.0 | NPPES [2] |
| Primary care and family medicine | 45 | 5.5 | NPPES [2] |
| General dentistry | 39 | 4.8 | NPPES [2] |
| Behavioral and mental health group practices | 28 | 3.4 | NPPES [2] |
| Optometry and ophthalmology | 22 | 2.7 | NPPES [2] |
| Chiropractic | 16 | 2.0 | NPPES [2] |
| Dental specialties | 13 | 1.6 | NPPES [2] |
| Independent pharmacy | 13 | 1.6 | NPPES [2] |
| Specialty physician groups | 13 | 1.6 | NPPES [2] |
| DME and HME suppliers | 8 | 1.0 | NPPES [2] |
| Clinical and toxicology labs | 6 | 0.7 | NPPES [2] |
| Urgent care | 3 | 0.4 | NPPES [2] |
| Audiology and hearing centers | 3 | 0.4 | NPPES [2] |
| Clinical research sites | 3 | 0.4 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 3 | 0.4 | NPPES [2] |
| Podiatry | 2 | 0.2 | NPPES [2] |
| SUD treatment and residential | 2 | 0.2 | NPPES [2] |
| NEMT and ambulance | 2 | 0.2 | NPPES [2] |
| ABA and autism therapy | 2 | 0.2 | NPPES [2] |
| Med spa and aesthetics | 2 | 0.2 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 2 | 0.2 | NPPES [2] |
| Home health | 1 | 0.1 | NPPES [2] |
| ASCs and OBLs | 1 | 0.1 | NPPES [2] |
| Plastic and cosmetic surgery | 1 | 0.1 | NPPES [2] |
| Dialysis and infusion centers | 1 | 0.1 | NPPES [2] |
| Telehealth and virtual clinics | 1 | 0.1 | NPPES [2] |
| Medical equipment suppliers | 7 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] |
Several of the 90 physical, occupational, and speech therapy enumerations can belong to one practice, so the column counts clinicians rather than businesses or owners
Franklin County approvals, dollars, and lending establishments
1 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 | 1 | Fiscal year published in the SBA file [5] |
| Total approved capital | $1,409,000 | Sum of approvals to healthcare borrowers [5] |
| Mean deal size | $1,409,000 | Dollars divided by approvals [5] |
| Lenders sited in the county | 27 | Credit intermediation establishments, NAICS 522 [6] |
What the two tables above change about a file
Density of 39.4 per 10,000 sets the patient draw a projection can claim without an argument. Franklin County has 1 approvals to compare against, so plan for extra appraisal time and a conservative valuation. Household income of $81,130 in Pasco 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
- Expansion, relocation, and build-out
- Equipment financing and leasing
Weighted by how often each of the 26 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 Pasco file
physical, occupational, and speech therapy, primary care and family medicine, general dentistry account for most of what is enumerated in Pasco, so those are the files funders see from this town
| Field | What the file turns on | The capital event behind most requests |
|---|---|---|
| Physical, occupational, and speech therapy (90) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Primary care and family medicine (45) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| General dentistry (39) | Three years of collections history, Hygiene as a share of collections, Overhead ratio and owner add-backs | Acquisition of an established practice |
Column one counts Pasco clinicians from the federal file. Columns two and three describe how the field is usually underwritten, and a partner can read a Pasco file differently.
Pasco against nearby Washington markets
The neighboring markets below are the ones a valuation borrows from when Pasco has too few sales of its own
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Pasco (current) | 81,724 | 322 | 39.4 | |
| Kennewick | 86,728 | 1,082 | 124.8 | 5 |
| Richland | 64,372 | 709 | 110.1 | 8 |
| West Richland | 18,820 | 46 | 24.4 | 13 |
| Grandview | 11,599 | 74 | 63.8 | 38 |
| Walla Walla | 33,901 | 444 | 131.0 | 40 |
| Sunnyside | 16,317 | 122 | 74.8 | 42 |
What the geography does to a Pasco projection
5 miles separate Pasco from Kennewick-Richland, WA. Lease pricing follows Kennewick-Richland, WA, while revenue stays capped by the 81,724 residents here. At $81,130 median household income, the elective and cash-pay share of a projection is the line that gets tested first. The hospital fixes two inputs a lender would otherwise estimate in a 81,724 resident town: where referrals originate, and what staff cost. Campus terms, not calendar quarters, set the busy months in Pasco. Pasco is the Franklin County seat, so county employment steadies the payer mix.
Other Washington markets
- Kennewick 86,728 residents
- Richland 64,372 residents
- West Richland 18,820 residents
- Grandview 11,599 residents
- Walla Walla 33,901 residents
- Sunnyside 16,317 residents
Questions from Pasco
01How many providers practice in Pasco, and in what?
322 enumerations sit at Pasco addresses in the monthly NPPES file, working out to 39.4 for every 10,000 residents. 28 percent of them are physical, occupational, and speech therapy, and primary care and family medicine follows with 45. An enumeration is a clinician, so the 322 here cover fewer than 322 practices.
02What does Franklin County's shortage designation change?
HRSA designates Franklin County for primary care, dental, mental health. That opens loan repayment programs for clinicians recruited into Pasco and evidences a staffing ramp in a 81,724 resident market.
03Why does Franklin County show so little SBA activity?
Only 1 healthcare approvals appear for Franklin County in the published 7(a) and 504 file. Thin volume in Franklin County is a transaction count, not a verdict on borrowers here. The county still holds 27 credit intermediation establishments.
04Is Pasco underwritten as part of Kennewick-Richland, WA?
Comparables and demand split at 5 miles. An appraiser prices the lease and the equipment off Kennewick-Richland, WA; the revenue line has to hold up against 81,724 local residents.
05How does the hospital in Pasco affect a practice file?
Referral flow, coverage, and the local pay scale all trace back to it. The town carries 1 Medicare-certified providers in total. A Pasco projection that names the call arrangement reads better than one that assumes it.
06Which fields carry the volume in Pasco?
The 26 enumerated fields are led by physical, occupational, and speech therapy at 90, with primary care and family medicine at 45 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
- 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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