Colorado micro-market
Healthcare practice financing in Severance, Colorado
Direct answer
Weld County carries 12 SBA healthcare approvals worth $13,283,100, and inside Severance the census shows 18 enumerated clinicians against 11,554 residents, 15.6 per 10,000, 56 percent of them in physical, occupational, and speech therapy. Greeley, CO lies 8 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: 11,554 residents (10K-25K band)1
- Healthcare providers registered here: 18 across 7 fields2
- Median household income: $127,2573
- Largest provider field: Physical, occupational, and speech therapy: 10 registered providers2
- Nearest metro: Greeley, CO, 8 miles1
- SBA healthcare approvals in the county: 12 approvals totaling $13,283,1004
The provider census in Severance
The NPPES file puts 18 enumerated clinicians inside Severance, spread over 7 fields at 15.6 per 10,000 residents
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| Physical, occupational, and speech therapy | 10 | 8.7 | NPPES [2] |
| General dentistry | 2 | 1.7 | NPPES [2] |
| Behavioral and mental health group practices | 2 | 1.7 | NPPES [2] |
| Home health | 1 | 0.9 | NPPES [2] |
| Primary care and family medicine | 1 | 0.9 | NPPES [2] |
| ABA and autism therapy | 1 | 0.9 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 1 | 0.9 | NPPES [2] |
Physical, occupational, and speech therapy carries 10 of the 18 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
Weld County approvals, dollars, and lending establishments
The published file shows 12 healthcare approvals in Weld County, $13,283,100 in total, and that history is what an appraiser and a credit committee reach for
| What it measures | Value | How to read it |
|---|---|---|
| Approvals on record | 12 | Counted for the fiscal year the SBA publishes [4] |
| Total approved capital | $13,283,100 | Everything approved to healthcare borrowers, added up [4] |
| Mean deal size | $1,106,925 | The dollar column over the approval column [4] |
| Lenders sited in the county | 120 | Places that write credit locally, NAICS 522 [5] |
How this data lands in an underwriting decision
At 15.6 clinicians per 10,000 residents, the catchment radius in a projection has to be defended rather than assumed. A request measured against 12 prior Weld County approvals is priced on precedent, which shortens the questions about valuation. A $127,257 median household income here sets the ceiling on what an elective or cash-pay line can be expected to carry.
Where a file from this town usually lands
- Practice acquisition
- Startup and de novo
- Working capital term loan
- Medical receivables factoring
- Expansion, relocation, and build-out
The order comes from Severance's own provider mix, which physical, occupational, and speech therapy dominates at 56 percent. What a partner can actually place in Colorado is a separate question.
The first pages of a Severance file
physical, occupational, and speech therapy, general dentistry, behavioral and mental health group practices account for most of what is enumerated in Severance, 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 (10) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| General dentistry (2) | Three years of collections history, Hygiene as a share of collections, Overhead ratio and owner add-backs | Acquisition of an established practice |
| Behavioral and mental health group practices (2) | Clinician retention and productivity, Payer mix and Medicaid concentration, Re-authorization and session limit exposure | Working capital through the credentialing lag |
The first column is Severance's own NPPES count. The rest is how the field is generally underwritten, whether the address is Severance or anywhere else.
Density beside the neighboring Colorado towns
The neighboring markets below are the ones a valuation borrows from when Severance has too few sales of its own
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Severance (current) | 11,554 | 18 | 15.6 | |
| Windsor | 41,734 | 329 | 78.8 | 3 |
| Timnath | 10,848 | 29 | 26.7 | 6 |
| Evans | 22,394 | 53 | 23.7 | 12 |
| Loveland | 81,102 | 1,074 | 132.4 | 12 |
| Johnstown | 20,639 | 97 | 47.0 | 14 |
| Wellington | 12,100 | 34 | 28.1 | 15 |
What the geography does to a Severance projection
8 miles separate Severance from Greeley, CO. Lease pricing follows Greeley, CO, while revenue stays capped by the 11,554 residents here. At $127,257 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.
Nearby Colorado towns
Severance owners, answered
01How many providers practice in Severance, and in what?
NPPES lists 18 providers at a Severance practice address, 15.6 per 10,000 residents across 7 tracked fields. Physical, occupational, and speech therapy accounts for 10 of them, 56 percent of the total, with general dentistry next at 2. Read that as clinicians: 18 enumerations, not 18 owners.
02What does Weld County's shortage designation change?
Weld County holds a HRSA designation covering primary care, dental, mental health. A pro forma for Severance can cite it as the reason a vacancy is fillable, which is usually the weakest line in a ramp schedule.
03Is Severance underwritten as part of Greeley, CO?
Greeley, CO sits 8 miles away, close enough that appraisers reach into that market for rent and resale comparables while your patient draw stays local. The comparables read Greeley, CO; the 11,554 residents set the ceiling a projection can defend.
04What does a $127,257 median income mean for case acceptance?
Median household income in Severance runs $127,257. 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 Severance?
Physical, occupational, and speech therapy at 10 providers and general dentistry at 2 lead the 7 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 Severance?
Healthcare borrowers in Weld County took 12 approvals worth $13,283,100 in the published fiscal year, averaging $1,106,925. That is the comparable set an appraiser near Severance 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
- 5U.S. Census Bureau, County Business Patterns 2022
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