Washington micro-market
Healthcare practice financing in Ridgefield, Washington
Direct answer
A Ridgefield file is read against 66 local clinicians, 43.0 for every 10,000 of its 15,359 residents, 23 percent of them in physical, occupational, and speech therapy, plus the 25 SBA healthcare approvals worth $14,852,800 already recorded in Clark County, 19 miles from Portland-Vancouver-Hillsboro, OR-WA.
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- Population: 15,359 residents (10K-25K band)1
- Healthcare providers registered here: 66 across 16 fields2
- Median household income: $117,5503
- Largest provider field: Physical, occupational, and speech therapy: 15 registered providers2
- Nearest metro: Portland-Vancouver-Hillsboro, OR-WA, 19 miles1
- SBA healthcare approvals in the county: 25 approvals totaling $14,852,8004
The clinical base a lender can verify here
66 providers across 16 fields, 43.0 per 10,000 residents, counted at Ridgefield addresses in the NPPES monthly file
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| Physical, occupational, and speech therapy | 15 | 9.8 | NPPES [2] |
| Chiropractic | 11 | 7.2 | NPPES [2] |
| Primary care and family medicine | 8 | 5.2 | NPPES [2] |
| General dentistry | 8 | 5.2 | NPPES [2] |
| Optometry and ophthalmology | 6 | 3.9 | NPPES [2] |
| Behavioral and mental health group practices | 5 | 3.3 | NPPES [2] |
| Independent pharmacy | 3 | 2.0 | NPPES [2] |
| ABA and autism therapy | 2 | 1.3 | NPPES [2] |
| DME and HME suppliers | 1 | 0.7 | NPPES [2] |
| Home health | 1 | 0.7 | NPPES [2] |
| Urgent care | 1 | 0.7 | NPPES [2] |
| ASCs and OBLs | 1 | 0.7 | NPPES [2] |
| SUD treatment and residential | 1 | 0.7 | NPPES [2] |
| Dental specialties | 1 | 0.7 | NPPES [2] |
| NEMT and ambulance | 1 | 0.7 | NPPES [2] |
| Specialty physician groups | 1 | 0.7 | NPPES [2] |
| Medical equipment suppliers | 1 | CMS [5] |
A single Ridgefield practice can hold more than one of these numbers. 23 percent sit in physical, occupational, and speech therapy, counted as clinicians rather than as owners.
The lending record behind Ridgefield
Lenders in Clark County have already closed 25 healthcare approvals, averaging $594,112, which is the size a new file gets read beside
| Line | Amount | Reading and source |
|---|---|---|
| SBA healthcare approvals | 25 | Counted for the fiscal year the SBA publishes [4] |
| Approved dollars | $14,852,800 | Everything approved to healthcare borrowers, added up [4] |
| Average approval | $594,112 | The dollar column over the approval column [4] |
| Lending establishments in the county | 248 | Places that write credit locally, NAICS 522 [6] |
Reading Ridgefield the way a credit committee does
At 43.0 clinicians per 10,000 residents, the catchment radius in a projection has to be defended rather than assumed. A request measured against 25 prior Clark County approvals is priced on precedent, which shortens the questions about valuation. With $117,550 as the median household income, the payer mix in a projection has to match what Ridgefield households actually spend.
Programs the Ridgefield mix reaches for
- Practice acquisition
- Startup and de novo
- Working capital term loan
- Equipment financing and leasing
- Expansion, relocation, and build-out
Weighted by how often each of the 16 local fields reaches for a program, not by what is easiest to refer. Washington rules and the partner decide availability.
What a funder reads first in Ridgefield
physical, occupational, and speech therapy, chiropractic, primary care and family medicine account for most of what is enumerated in Ridgefield, 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 (15) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Chiropractic (11) | Cash plan revenue, Personal injury receivable age, Visit volume | Startup or acquisition |
| Primary care and family medicine (8) | 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.
How Ridgefield prices against its neighbors
Set Ridgefield's 43.0 per 10,000 against the towns an appraiser would reach for next
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Ridgefield (current) | 15,359 | 66 | 43.0 | |
| Battle Ground | 22,959 | 168 | 73.2 | 7 |
| Camas | 27,313 | 180 | 65.9 | 19 |
| Kelso | 12,737 | 85 | 66.7 | 23 |
| Washougal | 17,944 | 59 | 32.9 | 23 |
| Longview | 38,294 | 869 | 226.9 | 27 |
| Centralia | 19,061 | 412 | 216.1 | 64 |
How Ridgefield sits against the nearest metro
Distance to Portland-Vancouver-Hillsboro, OR-WA is 19 miles. Appraisers borrow Portland-Vancouver-Hillsboro, OR-WA rents, and the 15,359 residents set the ceiling on collections. Households here carry $117,550 in median income, and that ceiling decides how much of a treatment plan gets started rather than deferred. No hospital operates here, so the referral sources and the call arrangement have to be named rather than assumed.
Nearby Washington towns
Ridgefield owners, answered
01How many providers practice in Ridgefield, and in what?
66 enumerations sit at Ridgefield addresses in the monthly NPPES file, working out to 43.0 for every 10,000 residents. 23 percent of them are physical, occupational, and speech therapy, and chiropractic follows with 11. An enumeration is a clinician, so the 66 here cover fewer than 66 practices.
02What does SBA lending look like around Ridgefield?
Healthcare borrowers in Clark County took 25 approvals worth $14,852,800 in the published fiscal year, averaging $594,112. That is the comparable set an appraiser near Ridgefield reaches for first.
03What does a $117,550 median income mean for case acceptance?
Median household income in Ridgefield runs $117,550. 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 Clark County's shortage designation change?
Designated for primary care, dental, mental health, Clark County qualifies its clinicians for federal repayment support. On a file that turns on adding staff, that is the difference between a hiring assumption and a hiring plan.
05Is Ridgefield underwritten as part of Portland-Vancouver-Hillsboro, OR-WA?
Partly. Portland-Vancouver-Hillsboro, OR-WA is 19 miles out, so rent and equipment comparables travel in from there while patients still come from the 15,359 residents around Ridgefield. Cost side metro, revenue side local.
06Which fields carry the volume in Ridgefield?
Physical, occupational, and speech therapy at 15 providers and chiropractic at 11 lead the 16 fields enumerated here. A funder reads that mix as the local competition set and the local hiring pool at once, before it reads a single line of your own numbers.
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
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.