Colorado micro-market
Healthcare practice financing in Sterling, Colorado
Direct answer
Logan County carries 0 SBA healthcare approvals worth $0, and inside Sterling the census shows 178 enumerated clinicians against 13,114 residents, 135.7 per 10,000, 13 percent of them in primary care and family medicine. Greeley, CO lies 84 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: 13,114 residents (10K-25K band)1
- Healthcare providers registered here: 178 across 25 fields2
- Median household income: $44,2423
- Largest provider field: Primary care and family medicine: 24 registered providers2
- Medicare-certified providers in town: 4 across 3 categories4
- Nearest metro: Greeley, CO, 84 miles1
Who is enumerated in Sterling
178 providers across 25 fields, 135.7 per 10,000 residents, counted at Sterling addresses in the NPPES monthly file
| Practice type | Count | Rate per 10,000 residents | Published by |
|---|---|---|---|
| Primary care and family medicine | 24 | 18.3 | NPPES [2] |
| Behavioral and mental health group practices | 17 | 13.0 | NPPES [2] |
| Physical, occupational, and speech therapy | 16 | 12.2 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 15 | 11.4 | NPPES [2] |
| Occupational health and drug testing | 14 | 10.7 | NPPES [2] |
| General dentistry | 12 | 9.2 | NPPES [2] |
| Specialty physician groups | 11 | 8.4 | NPPES [2] |
| Chiropractic | 9 | 6.9 | NPPES [2] |
| Optometry and ophthalmology | 8 | 6.1 | NPPES [2] |
| SUD treatment and residential | 6 | 4.6 | NPPES [2] |
| Independent pharmacy | 6 | 4.6 | NPPES [2] |
| DME and HME suppliers | 5 | 3.8 | NPPES [2] |
| Hospice and palliative | 5 | 3.8 | NPPES [2] |
| Home health | 4 | 3.1 | NPPES [2] |
| NEMT and ambulance | 4 | 3.1 | NPPES [2] |
| Audiology and hearing centers | 4 | 3.1 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 4 | 3.1 | NPPES [2] |
| Non-medical home care | 3 | 2.3 | NPPES [2] |
| Dialysis and infusion centers | 3 | 2.3 | NPPES [2] |
| Dermatology | 2 | 1.5 | NPPES [2] |
| Clinical and toxicology labs | 2 | 1.5 | NPPES [2] |
| Imaging centers | 1 | 0.8 | NPPES [2] |
| ABA and autism therapy | 1 | 0.8 | NPPES [2] |
| Med spa and aesthetics | 1 | 0.8 | NPPES [2] |
| Telehealth and virtual clinics | 1 | 0.8 | NPPES [2] |
| Medical equipment suppliers | 7 | CMS [4] | |
| Home health agencies | 2 | CMS [4] | |
| Hospice providers | 1 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] |
Primary care and family medicine carries 24 of the 178 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
Loan activity in Logan County
The county file holds 0 healthcare approvals, which is a thin comparable set for anyone pricing collateral
| What it measures | Value | How to read it |
|---|---|---|
| Healthcare files approved | 0 | Counted for the fiscal year the SBA publishes [5] |
| Dollars behind them | $0 | Everything approved to healthcare borrowers, added up [5] |
| Typical approval size | No approvals recorded | The dollar column over the approval column [5] |
| Credit offices operating locally | 13 | Places that write credit locally, NAICS 522 [6] |
The consequence of these numbers
Underwriting starts with 135.7 providers per 10,000 residents, because that ratio caps how fast a chair or a room fills. With 0 approvals on record in Logan County, expect a longer appraisal and a wider collateral discount. Household income of $44,242 in Sterling is the number a lender uses to sanity check the self-pay share of a revenue projection.
Where a file from this town usually lands
- Practice acquisition
- Working capital term loan
- Expansion, relocation, and build-out
- Startup and de novo
- Equipment financing and leasing
Weighted by how often each of the 25 local fields reaches for a program, not by what is easiest to refer. Colorado rules and the partner decide availability.
What a funder reads first in Sterling
Drawn from the fields that actually practice here: primary care and family medicine, behavioral and mental health group practices, physical, occupational, and speech therapy
| Practice type | The pages that decide it | Typical capital event |
|---|---|---|
| Primary care and family medicine (24) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| Behavioral and mental health group practices (17) | Clinician retention and productivity, Payer mix and Medicaid concentration, Re-authorization and session limit exposure | Working capital through the credentialing lag |
| Physical, occupational, and speech therapy (16) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
Counts in the first column are Sterling providers from NPPES. The other two columns describe how funders read that field across markets like Sterling, not what any funder will do with your file.
Sterling against nearby Colorado markets
The neighboring markets below are the ones a valuation borrows from when Sterling has too few sales of its own
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Sterling (current) | 13,114 | 178 | 135.7 | |
| Fort Morgan | 11,835 | 122 | 103.1 | 40 |
| Evans | 22,394 | 53 | 23.7 | 84 |
| Severance | 11,554 | 18 | 15.6 | 88 |
| Windsor | 41,734 | 329 | 78.8 | 91 |
| Johnstown | 20,639 | 97 | 47.0 | 93 |
| Timnath | 10,848 | 29 | 26.7 | 93 |
Distance, income, and the wage floor around Sterling
Greeley, CO lies 84 miles from Sterling, far enough that a used chair, chairside unit, or imaging system has no nearby resale market, which is where the collateral discount comes from. Median household income runs $44,242, which is the number a funder converts into case acceptance on anything elective or cash-pay. The hospital fixes two inputs a lender would otherwise estimate in a 13,114 resident town: where referrals originate, and what staff cost. A degree-granting institution here moves volume on the academic calendar. Sterling is the Logan County seat, so county employment steadies the payer mix.
Nearby Colorado towns
Questions from Sterling
01How many providers practice in Sterling, and in what?
178 enumerations sit at Sterling addresses in the monthly NPPES file, working out to 135.7 for every 10,000 residents. 13 percent of them are primary care and family medicine, and behavioral and mental health group practices follows with 17. An enumeration is a clinician, so the 178 here cover fewer than 178 practices.
02Why does Logan County show so little SBA activity?
Logan County shows 0 approvals in the SBA healthcare file, which means an appraiser reaches outside the county for comparables. Few sales, not weak credit, is the usual reason. 13 lending establishments operate locally.
03Does being 84 miles out change the underwriting?
At 84 miles from Greeley, CO, collateral is priced without a nearby resale market. Expect a longer appraisal window in Logan County and a wider discount on used equipment than a metro practice would see on the same list.
04What does Logan County's shortage designation change?
HRSA designates Logan County for primary care, dental, mental health. That opens loan repayment programs for clinicians recruited into Sterling and evidences a staffing ramp in a 13,114 resident market.
05How does the hospital in Sterling 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. 4 Medicare-certified providers are located here in total. It also sets the wage floor behind every hire in a 135.7 per 10,000 market.
06What does a $44,242 median income mean for case acceptance?
Median household income in Sterling runs $44,242. 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.
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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