Colorado micro-market
Healthcare practice financing in Berthoud, Colorado
Direct answer
A Berthoud file is read against 55 local clinicians, 40.3 for every 10,000 of its 13,648 residents, 38 percent of them in physical, occupational, and speech therapy, plus the 11 SBA healthcare approvals worth $10,202,500 already recorded in Larimer County, 14 miles from Greeley, CO.
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 Colorado, and how many partners see it, is set out on the Colorado page.
- Population: 13,648 residents (10K-25K band)1
- Healthcare providers registered here: 55 across 12 fields2
- Median household income: $111,2973
- Largest provider field: Physical, occupational, and speech therapy: 21 registered providers2
- Nearest metro: Greeley, CO, 14 miles1
- SBA healthcare approvals in the county: 11 approvals totaling $10,202,5004
The provider census in Berthoud
55 providers across 12 fields, 40.3 per 10,000 residents, counted at Berthoud addresses in the NPPES monthly file
| Practice type | Count | Rate per 10,000 residents | Published by |
|---|---|---|---|
| Physical, occupational, and speech therapy | 21 | 15.4 | NPPES [2] |
| Chiropractic | 7 | 5.1 | NPPES [2] |
| Primary care and family medicine | 7 | 5.1 | NPPES [2] |
| General dentistry | 5 | 3.7 | NPPES [2] |
| Optometry and ophthalmology | 4 | 2.9 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 4 | 2.9 | NPPES [2] |
| Occupational health and drug testing | 2 | 1.5 | NPPES [2] |
| DME and HME suppliers | 1 | 0.7 | NPPES [2] |
| Independent pharmacy | 1 | 0.7 | NPPES [2] |
| ABA and autism therapy | 1 | 0.7 | NPPES [2] |
| Behavioral and mental health group practices | 1 | 0.7 | NPPES [2] |
| Telehealth and virtual clinics | 1 | 0.7 | NPPES [2] |
| Medical equipment suppliers | 1 | CMS [5] |
Several of the 21 physical, occupational, and speech therapy enumerations can belong to one practice, so the column counts clinicians rather than businesses or owners
What lenders have already approved in Larimer County
11 healthcare approvals averaging $927,500 set the deal shape lenders in Larimer County have already underwritten
| Measure | Published figure | What sits behind it |
|---|---|---|
| Approvals on record | 11 | Fiscal year published in the SBA file [4] |
| Total approved capital | $10,202,500 | Sum of approvals to healthcare borrowers [4] |
| Mean deal size | $927,500 | Dollars divided by approvals [4] |
| Lenders sited in the county | 229 | Credit intermediation establishments, NAICS 522 [6] |
Reading Berthoud the way a credit committee does
Underwriting starts with 40.3 providers per 10,000 residents, because that ratio caps how fast a chair or a room fills. Because Larimer County already carries $10,202,500 across 11 healthcare approvals, a request near that average moves faster than one well above it. With $111,297 as the median household income, the payer mix in a projection has to match what Berthoud 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 Berthoud does not appear. Availability is still a Colorado question.
The first pages of a Berthoud file
Drawn from the fields that actually practice here: physical, occupational, and speech therapy, chiropractic, primary care and family medicine
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| Physical, occupational, and speech therapy (21) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Chiropractic (7) | Cash plan revenue, Personal injury receivable age, Visit volume | Startup or acquisition |
| Primary care and family medicine (7) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
Column one counts Berthoud clinicians from the federal file. Columns two and three describe how the field is usually underwritten, and a partner can read a Berthoud file differently.
How Berthoud prices against its neighbors
Comparables travel. These are the Colorado towns whose density, at 40.3 per 10,000 here, gets weighed beside this one.
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Berthoud (current) | 13,648 | 55 | 40.3 | |
| Johnstown | 20,639 | 97 | 47.0 | 3 |
| Firestone | 19,396 | 104 | 53.6 | 9 |
| Loveland | 81,102 | 1,074 | 132.4 | 10 |
| Longmont | 99,818 | 1,231 | 123.3 | 11 |
| Evans | 22,394 | 53 | 23.7 | 12 |
| Frederick | 17,937 | 57 | 31.8 | 12 |
How Berthoud sits against the nearest metro
14 miles separate Berthoud from Greeley, CO. Lease pricing follows Greeley, CO, while revenue stays capped by the 13,648 residents here. At $111,297 median household income, the elective and cash-pay share of a projection is the line that gets tested first. Referral flow comes from outside Berthoud, which a projection needs to state plainly.
Other Colorado markets
Questions from Berthoud
01How many providers practice in Berthoud, and in what?
NPPES lists 55 providers at a Berthoud practice address, 40.3 per 10,000 residents across 12 tracked fields. Physical, occupational, and speech therapy accounts for 21 of them, 38 percent of the total, with chiropractic next at 7. Read that as clinicians: 55 enumerations, not 55 owners.
02What does Larimer County's shortage designation change?
Larimer County holds a HRSA designation covering primary care, dental, mental health. A pro forma for Berthoud can cite it as the reason a vacancy is fillable, which is usually the weakest line in a ramp schedule.
03Is Berthoud underwritten as part of Greeley, CO?
Comparables and demand split at 14 miles. An appraiser prices the lease and the equipment off Greeley, CO; the revenue line has to hold up against 13,648 local residents.
04What does a $111,297 median income mean for case acceptance?
Median household income in Berthoud runs $111,297. 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.
05Which fields carry the volume in Berthoud?
Physical, occupational, and speech therapy at 21 providers and chiropractic at 7 lead the 12 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.
06What does SBA lending look like around Berthoud?
Healthcare borrowers in Larimer County took 11 approvals worth $10,202,500 in the published fiscal year, averaging $927,500. That is the comparable set an appraiser near Berthoud reaches for first.
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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