Colorado micro-market
Healthcare practice financing in Loveland, Colorado
Direct answer
Larimer County carries 11 SBA healthcare approvals worth $10,202,500, and inside Loveland the census shows 1,074 enumerated clinicians against 81,102 residents, 132.4 per 10,000, 26 percent of them in physical, occupational, and speech therapy. Fort Collins-Loveland, CO lies 9 miles away.
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: 81,102 residents (50K-100K band)1
- Healthcare providers registered here: 1,074 across 35 fields2
- Median household income: $82,5923
- Largest provider field: Physical, occupational, and speech therapy: 277 registered providers2
- Medicare-certified providers in town: 16 across 4 categories4
- Nearest metro: Fort Collins-Loveland, CO, 9 miles1
The provider census in Loveland
Counted at the town's own addresses: 1,074 providers, 35 fields, 132.4 clinicians per 10,000 of the 81,102 residents here
| Practice type | Count | Rate per 10,000 residents | Published by |
|---|---|---|---|
| Physical, occupational, and speech therapy | 277 | 34.2 | NPPES [2] |
| Chiropractic | 98 | 12.1 | NPPES [2] |
| Primary care and family medicine | 89 | 11.0 | NPPES [2] |
| General dentistry | 78 | 9.6 | NPPES [2] |
| Optometry and ophthalmology | 57 | 7.0 | NPPES [2] |
| Occupational health and drug testing | 57 | 7.0 | NPPES [2] |
| Behavioral and mental health group practices | 56 | 6.9 | NPPES [2] |
| Specialty physician groups | 55 | 6.8 | NPPES [2] |
| ABA and autism therapy | 42 | 5.2 | NPPES [2] |
| Home health | 34 | 4.2 | NPPES [2] |
| Dental specialties | 23 | 2.8 | NPPES [2] |
| Independent pharmacy | 20 | 2.5 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 20 | 2.5 | NPPES [2] |
| DME and HME suppliers | 19 | 2.3 | NPPES [2] |
| Audiology and hearing centers | 18 | 2.2 | NPPES [2] |
| Non-medical home care | 16 | 2.0 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 15 | 1.8 | NPPES [2] |
| Clinical and toxicology labs | 13 | 1.6 | NPPES [2] |
| Dermatology | 12 | 1.5 | NPPES [2] |
| Med spa and aesthetics | 12 | 1.5 | NPPES [2] |
| ASCs and OBLs | 8 | 1.0 | NPPES [2] |
| SUD treatment and residential | 8 | 1.0 | NPPES [2] |
| Urgent care | 7 | 0.9 | NPPES [2] |
| Hospice and palliative | 6 | 0.7 | NPPES [2] |
| Plastic and cosmetic surgery | 6 | 0.7 | NPPES [2] |
| Hormone, TRT, and men's health clinics | 5 | 0.6 | NPPES [2] |
| Imaging centers | 4 | 0.5 | NPPES [2] |
| Dialysis and infusion centers | 4 | 0.5 | NPPES [2] |
| Podiatry | 3 | 0.4 | NPPES [2] |
| Pain management and interventional | 3 | 0.4 | NPPES [2] |
| NEMT and ambulance | 3 | 0.4 | NPPES [2] |
| IV hydration and infusion | 2 | 0.2 | NPPES [2] |
| Telehealth and virtual clinics | 2 | 0.2 | NPPES [2] |
| Fertility and IVF | 1 | 0.1 | NPPES [2] |
| Clinical research sites | 1 | 0.1 | NPPES [2] |
| Medical equipment suppliers | 20 | CMS [4] | |
| Home health agencies | 7 | CMS [4] | |
| Ambulatory surgical centers | 4 | CMS [4] | |
| Dialysis facilities | 3 | CMS [4] | |
| Hospice providers | 2 | CMS [4] |
Several of the 277 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 Loveland
11 healthcare approvals averaging $927,500 set the deal shape lenders in Larimer County have already underwritten
| Measure | Published figure | What sits behind it |
|---|---|---|
| SBA healthcare approvals | 11 | Counted for the fiscal year the SBA publishes [5] |
| Approved dollars | $10,202,500 | Everything approved to healthcare borrowers, added up [5] |
| Average approval | $927,500 | The dollar column over the approval column [5] |
| Lending establishments in the county | 229 | Places that write credit locally, NAICS 522 [6] |
How this data lands in an underwriting decision
The ratio that matters up front is 132.4 per 10,000, which decides whether a ramp schedule reads as conservative. A request measured against 11 prior Larimer County approvals is priced on precedent, which shortens the questions about valuation. With $82,592 as the median household income, the payer mix in a projection has to match what Loveland 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
The order comes from Loveland's own provider mix, which physical, occupational, and speech therapy dominates at 26 percent. What a partner can actually place in Colorado is a separate question.
What a funder reads first in Loveland
Drawn from the fields that actually practice here: physical, occupational, and speech therapy, chiropractic, primary care and family medicine
| Practice type | The pages that decide it | Typical capital event |
|---|---|---|
| Physical, occupational, and speech therapy (277) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Chiropractic (98) | Cash plan revenue, Personal injury receivable age, Visit volume | Startup or acquisition |
| Primary care and family medicine (89) | 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.
Density beside the neighboring Colorado towns
Set Loveland's 132.4 per 10,000 against the towns an appraiser would reach for next
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Loveland (current) | 81,102 | 1,074 | 132.4 | |
| Windsor | 41,734 | 329 | 78.8 | 9 |
| Berthoud | 13,648 | 55 | 40.3 | 10 |
| Timnath | 10,848 | 29 | 26.7 | 10 |
| Johnstown | 20,639 | 97 | 47.0 | 11 |
| Severance | 11,554 | 18 | 15.6 | 12 |
| Evans | 22,394 | 53 | 23.7 | 17 |
How Loveland sits against the nearest metro
Distance to Fort Collins-Loveland, CO is 9 miles. Appraisers borrow Fort Collins-Loveland, CO rents, and the 81,102 residents set the ceiling on collections. At $82,592 median household income, the elective and cash-pay share of a projection is the line that gets tested first. Wages here are anchored by the Medicare-certified hospital in town, which is what a staffing line gets measured against. Campus terms, not calendar quarters, set the busy months in Loveland.
Nearby Colorado towns
Loveland owners, answered
01How many providers practice in Loveland, and in what?
NPPES lists 1,074 providers at a Loveland practice address, 132.4 per 10,000 residents across 35 tracked fields. Physical, occupational, and speech therapy accounts for 277 of them, 26 percent of the total, with chiropractic next at 98. Read that as clinicians: 1,074 enumerations, not 1,074 owners.
02Which fields carry the volume in Loveland?
Physical, occupational, and speech therapy at 277 providers and chiropractic at 98 lead the 35 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.
03What does Larimer County's shortage designation change?
HRSA designates Larimer County for primary care, dental, mental health. That opens loan repayment programs for clinicians recruited into Loveland and evidences a staffing ramp in a 81,102 resident market.
04How does the hospital in Loveland affect a practice file?
A Medicare-certified hospital operates in the town, which gives referral flow, a call schedule, and a clinical labor pool a funder can verify. 16 Medicare-certified providers are located here in total. It also sets the wage floor behind every hire in a 132.4 per 10,000 market.
05Is Loveland underwritten as part of Fort Collins-Loveland, CO?
Comparables and demand split at 9 miles. An appraiser prices the lease and the equipment off Fort Collins-Loveland, CO; the revenue line has to hold up against 81,102 local residents.
06Is there local lending capacity in Larimer County?
County Business Patterns records 229 credit intermediation establishments in Larimer County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Loveland 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
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.