Colorado micro-market
Healthcare practice financing in Timnath, Colorado
Direct answer
A Timnath file is read against 29 local clinicians, 26.7 for every 10,000 of its 10,848 residents, 31 percent of them in physical, occupational, and speech therapy, plus the 11 SBA healthcare approvals worth $10,202,500 already recorded in Larimer County, 5 miles from Fort Collins-Loveland, 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: 10,848 residents (10K-25K band)1
- Healthcare providers registered here: 29 across 8 fields2
- Median household income: $172,2063
- Largest provider field: Physical, occupational, and speech therapy: 9 registered providers2
- Nearest metro: Fort Collins-Loveland, CO, 5 miles1
- SBA healthcare approvals in the county: 11 approvals totaling $10,202,5004
Timnath clinicians, by field
The NPPES file puts 29 enumerated clinicians inside Timnath, spread over 8 fields at 26.7 per 10,000 residents
| Practice type | Count | Rate per 10,000 residents | Published by |
|---|---|---|---|
| Physical, occupational, and speech therapy | 9 | 8.3 | NPPES [2] |
| Primary care and family medicine | 8 | 7.4 | NPPES [2] |
| Optometry and ophthalmology | 3 | 2.8 | NPPES [2] |
| General dentistry | 2 | 1.8 | NPPES [2] |
| Dental specialties | 2 | 1.8 | NPPES [2] |
| Independent pharmacy | 2 | 1.8 | NPPES [2] |
| Occupational health and drug testing | 2 | 1.8 | NPPES [2] |
| Specialty physician groups | 1 | 0.9 | NPPES [2] |
| Medical equipment suppliers | 1 | CMS [5] |
Several of the 9 physical, occupational, and speech therapy enumerations can belong to one practice, so the column counts clinicians rather than businesses or owners
What Larimer County credit files already show
Lenders in Larimer County have already closed 11 healthcare approvals, averaging $927,500, which is the size a new file gets read beside
| Measure | Published figure | What sits behind it |
|---|---|---|
| Healthcare files approved | 11 | Fiscal year published in the SBA file [4] |
| Dollars behind them | $10,202,500 | Sum of approvals to healthcare borrowers [4] |
| Typical approval size | $927,500 | Dollars divided by approvals [4] |
| Credit offices operating locally | 229 | Credit intermediation establishments, NAICS 522 [6] |
Reading Timnath the way a credit committee does
Underwriting starts with 26.7 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 $172,206 as the median household income, the payer mix in a projection has to match what Timnath 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
- Commercial real estate, owner-occupied
The order comes from Timnath's own provider mix, which physical, occupational, and speech therapy dominates at 31 percent. What a partner can actually place in Colorado is a separate question.
The first pages of a Timnath file
Drawn from the fields that actually practice here: physical, occupational, and speech therapy, primary care and family medicine, optometry and ophthalmology
| Field | What the file turns on | The capital event behind most requests |
|---|---|---|
| Physical, occupational, and speech therapy (9) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Primary care and family medicine (8) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| Optometry and ophthalmology (3) | Exam volume and optical capture, Vision plan mix, Inventory turns | Cold start or acquisition |
Column one counts Timnath clinicians from the federal file. Columns two and three describe how the field is usually underwritten, and a partner can read a Timnath file differently.
How Timnath prices against its neighbors
Density is the number that moves an appraisal: 26.7 per 10,000 here
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Timnath (current) | 10,848 | 29 | 26.7 | |
| Windsor | 41,734 | 329 | 78.8 | 5 |
| Severance | 11,554 | 18 | 15.6 | 6 |
| Loveland | 81,102 | 1,074 | 132.4 | 10 |
| Wellington | 12,100 | 34 | 28.1 | 11 |
| Johnstown | 20,639 | 97 | 47.0 | 16 |
| Berthoud | 13,648 | 55 | 40.3 | 17 |
Distance, income, and the wage floor around Timnath
Fort Collins-Loveland, CO lies 5 miles from Timnath, close enough that appraisers price the lease against Fort Collins-Loveland, CO rents while 10,848 residents set the revenue ceiling. At $172,206 median household income, the elective and cash-pay share of a projection is the line that gets tested first. Referral flow comes from outside Timnath, which a projection needs to state plainly.
Other Colorado markets
Questions from Timnath
01How many providers practice in Timnath, and in what?
29 enumerations sit at Timnath addresses in the monthly NPPES file, working out to 26.7 for every 10,000 residents. 31 percent of them are physical, occupational, and speech therapy, and primary care and family medicine follows with 8. An enumeration is a clinician, so the 29 here cover fewer than 29 practices.
02What does a $172,206 median income mean for case acceptance?
Median household income in Timnath runs $172,206. 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.
03What does Larimer County's shortage designation change?
Designated for primary care, dental, mental health, Larimer County qualifies its clinicians for federal repayment support. On a file that turns on adding staff, that is the difference between a hiring assumption and a hiring plan.
04Is Timnath underwritten as part of Fort Collins-Loveland, CO?
Comparables and demand split at 5 miles. An appraiser prices the lease and the equipment off Fort Collins-Loveland, CO; the revenue line has to hold up against 10,848 local residents.
05Which fields carry the volume in Timnath?
The 8 enumerated fields are led by physical, occupational, and speech therapy at 9, with primary care and family medicine at 8 behind it. Those two counts double as the competition you are entering and the bench you would hire from.
06What does SBA lending look like around Timnath?
$10,202,500 went to healthcare borrowers in Larimer County across 11 approvals, $927,500 on average. Deals near Timnath get sized against that record before anything else.
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
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.