Washington micro-market
Healthcare practice financing in Sumner, Washington
Direct answer
Density decides a lot here. Sumner runs 79.0 providers per 10,000 residents, 86 clinicians against 10,885 people, 30 percent of them in physical, occupational, and speech therapy, while Pierce County lenders have approved 28 healthcare files worth $8,450,400 and the nearest metro is 28 miles out.
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: 10,885 residents (10K-25K band)1
- Healthcare providers registered here: 86 across 16 fields2
- Median household income: $98,3763
- Largest provider field: Physical, occupational, and speech therapy: 26 registered providers2
- Medicare-certified providers in town: 1 across 1 categories4
- Nearest metro: Seattle-Tacoma-Bellevue, WA, 28 miles1
Sumner clinicians, by field
79.0 providers per 10,000 residents is what 86 enumerations across 16 fields works out to in a town of 10,885
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| Physical, occupational, and speech therapy | 26 | 23.9 | NPPES [2] |
| Chiropractic | 17 | 15.6 | NPPES [2] |
| General dentistry | 11 | 10.1 | NPPES [2] |
| Primary care and family medicine | 6 | 5.5 | NPPES [2] |
| DME and HME suppliers | 5 | 4.6 | NPPES [2] |
| Behavioral and mental health group practices | 5 | 4.6 | NPPES [2] |
| Specialty physician groups | 3 | 2.8 | NPPES [2] |
| SUD treatment and residential | 2 | 1.8 | NPPES [2] |
| Dental specialties | 2 | 1.8 | NPPES [2] |
| Independent pharmacy | 2 | 1.8 | NPPES [2] |
| Optometry and ophthalmology | 2 | 1.8 | NPPES [2] |
| Non-medical home care | 1 | 0.9 | NPPES [2] |
| Clinical research sites | 1 | 0.9 | NPPES [2] |
| Clinical and toxicology labs | 1 | 0.9 | NPPES [2] |
| Dialysis and infusion centers | 1 | 0.9 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 1 | 0.9 | NPPES [2] |
| Medical equipment suppliers | 2 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] |
Several of the 26 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 Sumner
28 healthcare approvals averaging $301,800 set the deal shape lenders in Pierce County have already underwritten
| Measure | Published figure | What sits behind it |
|---|---|---|
| SBA healthcare approvals | 28 | Fiscal year published in the SBA file [5] |
| Approved dollars | $8,450,400 | Sum of approvals to healthcare borrowers [5] |
| Average approval | $301,800 | Dollars divided by approvals [5] |
| Lending establishments in the county | 396 | Credit intermediation establishments, NAICS 522 [6] |
What the two tables above change about a file
79.0 per 10,000 is the first number a credit analyst converts into a realistic new-patient count. 28 approvals worth $8,450,400 in Pierce County means the size you are asking for has a local precedent to point at. With $98,376 as the median household income, the payer mix in a projection has to match what Sumner households actually spend.
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
Built from what is enumerated here rather than from a national list, so a field with no presence in Sumner does not appear. Availability is still a Washington question.
The first pages of a Sumner file
physical, occupational, and speech therapy, chiropractic, general dentistry account for most of what is enumerated in Sumner, 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 (26) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Chiropractic (17) | Cash plan revenue, Personal injury receivable age, Visit volume | Startup or acquisition |
| General dentistry (11) | Three years of collections history, Hygiene as a share of collections, Overhead ratio and owner add-backs | Acquisition of an established practice |
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 Sumner prices against its neighbors
Density is the number that moves an appraisal: 79.0 per 10,000 here
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Sumner (current) | 10,885 | 86 | 79.0 | |
| Edgewood | 13,496 | 17 | 12.6 | 2 |
| Puyallup | 42,552 | 1,391 | 326.9 | 4 |
| Bonney Lake | 22,145 | 205 | 92.6 | 4 |
| Fife | 11,077 | 55 | 49.7 | 5 |
| Covington | 21,567 | 190 | 88.1 | 11 |
| Des Moines | 33,207 | 185 | 55.7 | 12 |
Distance, income, and the wage floor around Sumner
Distance to Seattle-Tacoma-Bellevue, WA is 28 miles. That is close enough for rent in Sumner to be compared against the metro and far enough that patient draw is not. At $98,376 median household income, the elective and cash-pay share of a projection is the line that gets tested first. Referral flow comes from outside Sumner, which a projection needs to state plainly.
Nearby Washington towns
- Edgewood 13,496 residents
- Puyallup 42,552 residents
- Bonney Lake 22,145 residents
- Fife 11,077 residents
- Covington 21,567 residents
- Des Moines 33,207 residents
What owners in Sumner ask
01How many providers practice in Sumner, and in what?
Across 16 fields, Sumner carries 86 enumerated clinicians, 79.0 per 10,000 of the 10,885 people living here. The concentration is in physical, occupational, and speech therapy, 26 of the total, then chiropractic at 17. Count practices from that only with care.
02What does Pierce County's shortage designation change?
Designated for primary care, dental, mental health, Pierce 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.
03What does SBA lending look like around Sumner?
$8,450,400 went to healthcare borrowers in Pierce County across 28 approvals, $301,800 on average. Deals near Sumner get sized against that record before anything else.
04Is Sumner underwritten as part of Seattle-Tacoma-Bellevue, WA?
Comparables and demand split at 28 miles. An appraiser prices the lease and the equipment off Seattle-Tacoma-Bellevue, WA; the revenue line has to hold up against 10,885 local residents.
05What does a $98,376 median income mean for case acceptance?
Median household income in Sumner runs $98,376. 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 Pierce County?
County Business Patterns records 396 credit intermediation establishments in Pierce County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Sumner 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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