Washington micro-market
Healthcare practice financing in Poulsbo, Washington
Direct answer
Kitsap County carries 2 SBA healthcare approvals worth $420,000, and inside Poulsbo the census shows 311 enumerated clinicians against 12,562 residents, 247.6 per 10,000, 29 percent of them in physical, occupational, and speech therapy. Bremerton-Silverdale-Port Orchard, WA lies 14 miles away.
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: 12,562 residents (10K-25K band)1
- Healthcare providers registered here: 311 across 28 fields2
- Median household income: $95,7743
- Largest provider field: Physical, occupational, and speech therapy: 90 registered providers2
- Medicare-certified providers in town: 3 across 3 categories4
- Nearest metro: Bremerton-Silverdale-Port Orchard, WA, 14 miles1
The provider census in Poulsbo
The NPPES file puts 311 enumerated clinicians inside Poulsbo, spread over 28 fields at 247.6 per 10,000 residents
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| Physical, occupational, and speech therapy | 90 | 71.6 | NPPES [2] |
| Primary care and family medicine | 53 | 42.2 | NPPES [2] |
| Chiropractic | 31 | 24.7 | NPPES [2] |
| General dentistry | 23 | 18.3 | NPPES [2] |
| Dental specialties | 15 | 11.9 | NPPES [2] |
| Optometry and ophthalmology | 13 | 10.3 | NPPES [2] |
| Behavioral and mental health group practices | 13 | 10.3 | NPPES [2] |
| Specialty physician groups | 11 | 8.8 | NPPES [2] |
| Dermatology | 10 | 8.0 | NPPES [2] |
| Independent pharmacy | 8 | 6.4 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 7 | 5.6 | NPPES [2] |
| Audiology and hearing centers | 6 | 4.8 | NPPES [2] |
| ABA and autism therapy | 6 | 4.8 | NPPES [2] |
| DME and HME suppliers | 5 | 4.0 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 3 | 2.4 | NPPES [2] |
| Non-medical home care | 2 | 1.6 | NPPES [2] |
| Clinical and toxicology labs | 2 | 1.6 | NPPES [2] |
| Dialysis and infusion centers | 2 | 1.6 | NPPES [2] |
| Telehealth and virtual clinics | 2 | 1.6 | NPPES [2] |
| Podiatry | 1 | 0.8 | NPPES [2] |
| Home health | 1 | 0.8 | NPPES [2] |
| ASCs and OBLs | 1 | 0.8 | NPPES [2] |
| SUD treatment and residential | 1 | 0.8 | NPPES [2] |
| Pain management and interventional | 1 | 0.8 | NPPES [2] |
| NEMT and ambulance | 1 | 0.8 | NPPES [2] |
| Hospice and palliative | 1 | 0.8 | NPPES [2] |
| Med spa and aesthetics | 1 | 0.8 | NPPES [2] |
| Occupational health and drug testing | 1 | 0.8 | NPPES [2] |
| Medical equipment suppliers | 5 | CMS [4] | |
| Ambulatory surgical centers | 1 | CMS [4] | |
| Hospice providers | 1 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] |
Physical, occupational, and speech therapy carries 90 of the 311 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
What Kitsap County credit files already show
2 healthcare approvals sit in the county file, so an appraiser here works from a short comparable set
| What it measures | Value | How to read it |
|---|---|---|
| SBA healthcare approvals | 2 | Counted for the fiscal year the SBA publishes [5] |
| Approved dollars | $420,000 | Everything approved to healthcare borrowers, added up [5] |
| Average approval | $210,000 | The dollar column over the approval column [5] |
| Lending establishments in the county | 118 | Places that write credit locally, NAICS 522 [6] |
What the two tables above change about a file
247.6 per 10,000 is the first number a credit analyst converts into a realistic new-patient count. With 2 approvals on record in Kitsap County, expect a longer appraisal and a wider collateral discount. Household income of $95,774 in Poulsbo is the number a lender uses to sanity check the self-pay share of a revenue projection.
Where a file from this town usually lands
- Practice acquisition
- Startup and de novo
- Working capital term loan
- Expansion, relocation, and build-out
- Equipment financing and leasing
The 28 fields practicing locally set this order. A funding partner, not this list, decides what is available in Washington.
What a funder reads first in Poulsbo
physical, occupational, and speech therapy, primary care and family medicine, chiropractic account for most of what is enumerated in Poulsbo, 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 (90) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Primary care and family medicine (53) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| Chiropractic (31) | Cash plan revenue, Personal injury receivable age, Visit volume | Startup or acquisition |
Column one counts Poulsbo clinicians from the federal file. Columns two and three describe how the field is usually underwritten, and a partner can read a Poulsbo file differently.
How Poulsbo prices against its neighbors
Density is the number that moves an appraisal: 247.6 per 10,000 here
| Comparable | People | Enumerations | Per 10,000 residents | Miles |
|---|---|---|---|---|
| Poulsbo (current) | 12,562 | 311 | 247.6 | |
| Bainbridge Island | 24,618 | 235 | 95.5 | 9 |
| Bremerton | 45,291 | 1,053 | 232.5 | 14 |
| Edmonds | 42,871 | 561 | 130.9 | 14 |
| Port Orchard | 19,122 | 334 | 174.7 | 14 |
| Shoreline | 66,251 | 511 | 77.1 | 14 |
| Lake Forest Park | 13,276 | 30 | 22.6 | 16 |
Distance, income, and the wage floor around Poulsbo
Distance to Bremerton-Silverdale-Port Orchard, WA is 14 miles. Appraisers borrow Bremerton-Silverdale-Port Orchard, WA rents, and the 12,562 residents set the ceiling on collections. Median household income runs $95,774, which is the number a funder converts into case acceptance on anything elective or cash-pay. No hospital operates here, so the referral sources and the call arrangement have to be named rather than assumed.
Nearby Washington towns
- Bainbridge Island 24,618 residents
- Bremerton 45,291 residents
- Edmonds 42,871 residents
- Port Orchard 19,122 residents
- Shoreline 66,251 residents
- Lake Forest Park 13,276 residents
Poulsbo owners, answered
01How many providers practice in Poulsbo, and in what?
Across 28 fields, Poulsbo carries 311 enumerated clinicians, 247.6 per 10,000 of the 12,562 people living here. The concentration is in physical, occupational, and speech therapy, 90 of the total, then primary care and family medicine at 53. Count practices from that only with care.
02What does Kitsap County's shortage designation change?
HRSA designates Kitsap County for primary care, dental, mental health. That opens loan repayment programs for clinicians recruited into Poulsbo and evidences a staffing ramp in a 12,562 resident market.
03Why does Kitsap County show so little SBA activity?
Kitsap 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. 118 lending establishments operate locally.
04Is Poulsbo underwritten as part of Bremerton-Silverdale-Port Orchard, WA?
Partly. Bremerton-Silverdale-Port Orchard, WA is 14 miles out, so rent and equipment comparables travel in from there while patients still come from the 12,562 residents around Poulsbo. Cost side metro, revenue side local.
05What does a $95,774 median income mean for case acceptance?
Median household income in Poulsbo runs $95,774. 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.
06Is there local lending capacity in Kitsap County?
County Business Patterns records 118 credit intermediation establishments in Kitsap County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Poulsbo 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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