Washington micro-market
Healthcare practice financing in Yelm, Washington
Direct answer
113 healthcare providers hold a Yelm practice address, 96.5 per 10,000 of its 11,715 residents, 33 percent of them in physical, occupational, and speech therapy. Thurston County recorded 10 SBA healthcare approvals worth $7,159,000, and Olympia-Lacey-Tumwater, WA sits 10 miles out.
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- Population: 11,715 residents (10K-25K band)1
- Healthcare providers registered here: 113 across 16 fields2
- Median household income: $88,2793
- Largest provider field: Physical, occupational, and speech therapy: 37 registered providers2
- Nearest metro: Olympia-Lacey-Tumwater, WA, 10 miles1
- SBA healthcare approvals in the county: 10 approvals totaling $7,159,0004
Fields practicing inside Yelm
The NPPES file puts 113 enumerated clinicians inside Yelm, spread over 16 fields at 96.5 per 10,000 residents
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Physical, occupational, and speech therapy | 37 | 31.6 | NPPES [2] |
| Chiropractic | 14 | 12.0 | NPPES [2] |
| General dentistry | 14 | 12.0 | NPPES [2] |
| Primary care and family medicine | 13 | 11.1 | NPPES [2] |
| Behavioral and mental health group practices | 10 | 8.5 | NPPES [2] |
| Independent pharmacy | 5 | 4.3 | NPPES [2] |
| Optometry and ophthalmology | 5 | 4.3 | NPPES [2] |
| ABA and autism therapy | 4 | 3.4 | NPPES [2] |
| SUD treatment and residential | 3 | 2.6 | NPPES [2] |
| NEMT and ambulance | 2 | 1.7 | NPPES [2] |
| DME and HME suppliers | 1 | 0.9 | NPPES [2] |
| Home health | 1 | 0.9 | NPPES [2] |
| Non-medical home care | 1 | 0.9 | NPPES [2] |
| Clinical and toxicology labs | 1 | 0.9 | NPPES [2] |
| Telehealth and virtual clinics | 1 | 0.9 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 1 | 0.9 | NPPES [2] |
| Medical equipment suppliers | 2 | CMS [5] |
Physical, occupational, and speech therapy carries 37 of the 113 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
The lending record behind Yelm
Lenders in Thurston County have already closed 10 healthcare approvals, averaging $715,900, which is the size a new file gets read beside
| What it measures | Value | How to read it |
|---|---|---|
| SBA healthcare approvals | 10 | Counted for the fiscal year the SBA publishes [4] |
| Approved dollars | $7,159,000 | Everything approved to healthcare borrowers, added up [4] |
| Average approval | $715,900 | The dollar column over the approval column [4] |
| Lending establishments in the county | 135 | Places that write credit locally, NAICS 522 [6] |
The consequence of these numbers
The ratio that matters up front is 96.5 per 10,000, which decides whether a ramp schedule reads as conservative. A request measured against 10 prior Thurston County approvals is priced on precedent, which shortens the questions about valuation. With $88,279 as the median household income, the payer mix in a projection has to match what Yelm households actually spend.
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
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.
The first pages of a Yelm file
What a funder opens first depends on the field. In Yelm that means physical, occupational, and speech therapy, chiropractic, general dentistry.
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| Physical, occupational, and speech therapy (37) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Chiropractic (14) | Cash plan revenue, Personal injury receivable age, Visit volume | Startup or acquisition |
| General dentistry (14) | 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 Yelm clinicians from the federal file. Columns two and three describe how the field is usually underwritten, and a partner can read a Yelm file differently.
Density beside the neighboring Washington towns
Set Yelm's 96.5 per 10,000 against the towns an appraiser would reach for next
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Yelm (current) | 11,715 | 113 | 96.5 | |
| Lacey | 58,644 | 712 | 121.4 | 10 |
| Tumwater | 27,826 | 277 | 99.5 | 13 |
| Olympia | 56,271 | 1,819 | 323.3 | 14 |
| University Place | 35,160 | 364 | 103.5 | 19 |
| Centralia | 19,061 | 412 | 216.1 | 22 |
| Puyallup | 42,552 | 1,391 | 326.9 | 23 |
How Yelm sits against the nearest metro
Distance to Olympia-Lacey-Tumwater, WA is 10 miles. Appraisers borrow Olympia-Lacey-Tumwater, WA rents, and the 11,715 residents set the ceiling on collections. At $88,279 median household income, the elective and cash-pay share of a projection is the line that gets tested first. Referral flow comes from outside Yelm, which a projection needs to state plainly.
Nearby Washington towns
Yelm owners, answered
01How many providers practice in Yelm, and in what?
NPPES lists 113 providers at a Yelm practice address, 96.5 per 10,000 residents across 16 tracked fields. Physical, occupational, and speech therapy accounts for 37 of them, 33 percent of the total, with chiropractic next at 14. Read that as clinicians: 113 enumerations, not 113 owners.
02What does SBA lending look like around Yelm?
$7,159,000 went to healthcare borrowers in Thurston County across 10 approvals, $715,900 on average. Deals near Yelm get sized against that record before anything else.
03What does Thurston County's shortage designation change?
HRSA designates Thurston County for primary care, dental, mental health. That opens loan repayment programs for clinicians recruited into Yelm and evidences a staffing ramp in a 11,715 resident market.
04Is there local lending capacity in Thurston County?
County Business Patterns records 135 credit intermediation establishments in Thurston County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Yelm rents and resale before or by somebody working from a screen.
05Which fields carry the volume in Yelm?
The 16 enumerated fields are led by physical, occupational, and speech therapy at 37, with chiropractic at 14 behind it. Those two counts double as the competition you are entering and the bench you would hire from.
06Is Yelm underwritten as part of Olympia-Lacey-Tumwater, WA?
Comparables and demand split at 10 miles. An appraiser prices the lease and the equipment off Olympia-Lacey-Tumwater, WA; the revenue line has to hold up against 11,715 local residents.
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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