Colorado micro-market
Healthcare practice financing in Golden, Colorado
Direct answer
706 healthcare providers hold a Golden practice address, 350.4 per 10,000 of its 20,151 residents, 48 percent of them in physical, occupational, and speech therapy. Jefferson County recorded 15 SBA healthcare approvals worth $10,997,400, and Denver-Aurora-Centennial, CO sits 18 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 Colorado, and how many partners see it, is set out on the Colorado page.
- Population: 20,151 residents (10K-25K band)1
- Healthcare providers registered here: 706 across 31 fields2
- Median household income: $95,9133
- Largest provider field: Physical, occupational, and speech therapy: 341 registered providers2
- Medicare-certified providers in town: 2 across 1 categories4
- Nearest metro: Denver-Aurora-Centennial, CO, 18 miles1
Golden clinicians, by field
706 providers across 31 fields, 350.4 per 10,000 residents, counted at Golden addresses in the NPPES monthly file
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| Physical, occupational, and speech therapy | 341 | 169.2 | NPPES [2] |
| Primary care and family medicine | 60 | 29.8 | NPPES [2] |
| Specialty physician groups | 49 | 24.3 | NPPES [2] |
| Chiropractic | 38 | 18.9 | NPPES [2] |
| Med spa and aesthetics | 31 | 15.4 | NPPES [2] |
| Optometry and ophthalmology | 25 | 12.4 | NPPES [2] |
| General dentistry | 23 | 11.4 | NPPES [2] |
| Behavioral and mental health group practices | 22 | 10.9 | NPPES [2] |
| Clinical and toxicology labs | 14 | 6.9 | NPPES [2] |
| DME and HME suppliers | 12 | 6.0 | NPPES [2] |
| ABA and autism therapy | 11 | 5.5 | NPPES [2] |
| Audiology and hearing centers | 10 | 5.0 | NPPES [2] |
| Dental specialties | 9 | 4.5 | NPPES [2] |
| Plastic and cosmetic surgery | 7 | 3.5 | NPPES [2] |
| Dermatology | 6 | 3.0 | NPPES [2] |
| ASCs and OBLs | 6 | 3.0 | NPPES [2] |
| Home health | 5 | 2.5 | NPPES [2] |
| Urgent care | 5 | 2.5 | NPPES [2] |
| Independent pharmacy | 5 | 2.5 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 5 | 2.5 | NPPES [2] |
| Imaging centers | 3 | 1.5 | NPPES [2] |
| Pain management and interventional | 3 | 1.5 | NPPES [2] |
| Non-medical home care | 3 | 1.5 | NPPES [2] |
| Telehealth and virtual clinics | 3 | 1.5 | NPPES [2] |
| Podiatry | 2 | 1.0 | NPPES [2] |
| Hormone, TRT, and men's health clinics | 2 | 1.0 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 2 | 1.0 | NPPES [2] |
| SUD treatment and residential | 1 | 0.5 | NPPES [2] |
| NEMT and ambulance | 1 | 0.5 | NPPES [2] |
| Hospice and palliative | 1 | 0.5 | NPPES [2] |
| Occupational health and drug testing | 1 | 0.5 | NPPES [2] |
| Medical equipment suppliers | 6 | CMS [4] | |
| Ambulatory surgical centers | 2 | CMS [4] |
Several of the 341 physical, occupational, and speech therapy enumerations can belong to one practice, so the column counts clinicians rather than businesses or owners
What Jefferson County credit files already show
Lenders in Jefferson County have already closed 15 healthcare approvals, averaging $733,160, which is the size a new file gets read beside
| Measure | Published figure | What sits behind it |
|---|---|---|
| Approvals on record | 15 | Fiscal year published in the SBA file [5] |
| Total approved capital | $10,997,400 | Sum of approvals to healthcare borrowers [5] |
| Mean deal size | $733,160 | Dollars divided by approvals [5] |
| Lenders sited in the county | 334 | Credit intermediation establishments, NAICS 522 [6] |
How this data lands in an underwriting decision
The ratio that matters up front is 350.4 per 10,000, which decides whether a ramp schedule reads as conservative. A request measured against 15 prior Jefferson County approvals is priced on precedent, which shortens the questions about valuation. With $95,913 as the median household income, the payer mix in a projection has to match what Golden households actually spend.
The programs this provider mix points at
- Practice acquisition
- Startup and de novo
- Working capital term loan
- Expansion, relocation, and build-out
- Equipment financing and leasing
Built from what is enumerated here rather than from a national list, so a field with no presence in Golden does not appear. Availability is still a Colorado question.
Underwriting by field in Golden
physical, occupational, and speech therapy, primary care and family medicine, specialty physician groups account for most of what is enumerated in Golden, so those are the files funders see from this town
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| Physical, occupational, and speech therapy (341) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Primary care and family medicine (60) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| Specialty physician groups (49) | Ancillary revenue contribution, Provider productivity, Payer contracts | Ancillary build-out |
NPPES supplies the Golden counts. The reading columns describe the field in general, and no partner reviewing a Golden file is bound by them.
How Golden prices against its neighbors
350.4 per 10,000 is the figure a neighboring town gets compared against when an appraiser prices Golden
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Golden (current) | 20,151 | 706 | 350.4 | |
| Wheat Ridge | 31,999 | 725 | 226.6 | 6 |
| Englewood | 35,238 | 1,147 | 325.5 | 13 |
| Federal Heights | 13,971 | 29 | 20.8 | 13 |
| Superior | 13,654 | 99 | 72.5 | 13 |
| Littleton | 44,879 | 1,792 | 399.3 | 15 |
| Louisville | 20,811 | 415 | 199.4 | 16 |
What the geography does to a Golden projection
18 miles separate Golden from Denver-Aurora-Centennial, CO. Lease pricing follows Denver-Aurora-Centennial, CO, while revenue stays capped by the 20,151 residents here. At $95,913 median household income, the elective and cash-pay share of a projection is the line that gets tested first. With no hospital in town, a projection has to name where referrals and coverage come from. Higher education here explains why summer looks unlike the rest of the year. Golden is the Jefferson County seat, so county employment steadies the payer mix.
Other Colorado markets
- Wheat Ridge 31,999 residents
- Englewood 35,238 residents
- Federal Heights 13,971 residents
- Superior 13,654 residents
- Littleton 44,879 residents
- Louisville 20,811 residents
Questions from Golden
01How many providers practice in Golden, and in what?
NPPES lists 706 providers at a Golden practice address, 350.4 per 10,000 residents across 31 tracked fields. Physical, occupational, and speech therapy accounts for 341 of them, 48 percent of the total, with primary care and family medicine next at 60. Read that as clinicians: 706 enumerations, not 706 owners.
02What does Jefferson County's shortage designation change?
The primary care, dental, mental health designation HRSA carries on Jefferson County is a recruiting instrument: it puts repayment incentives in front of candidates, which is how a hiring plan for 20,151 residents gets past the question of who would take the job.
03Is Golden underwritten as part of Denver-Aurora-Centennial, CO?
Comparables and demand split at 18 miles. An appraiser prices the lease and the equipment off Denver-Aurora-Centennial, CO; the revenue line has to hold up against 20,151 local residents.
04What does a $95,913 median income mean for case acceptance?
Median household income in Golden runs $95,913. 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.
05What does SBA lending look like around Golden?
Healthcare borrowers in Jefferson County took 15 approvals worth $10,997,400 in the published fiscal year, averaging $733,160. That is the comparable set an appraiser near Golden reaches for first.
06Which fields carry the volume in Golden?
Physical, occupational, and speech therapy at 341 providers and primary care and family medicine at 60 lead the 31 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
- 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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