Colorado micro-market
Healthcare practice financing in Wellington, Colorado
Direct answer
Density decides a lot here. Wellington runs 28.1 providers per 10,000 residents, 34 clinicians against 12,100 people, 29 percent of them in physical, occupational, and speech therapy, while Larimer County lenders have approved 11 healthcare files worth $10,202,500 and the nearest metro is 11 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: 12,100 residents (10K-25K band)1
- Healthcare providers registered here: 34 across 15 fields2
- Median household income: $103,8883
- Largest provider field: Physical, occupational, and speech therapy: 10 registered providers2
- Nearest metro: Fort Collins-Loveland, CO, 11 miles1
- SBA healthcare approvals in the county: 11 approvals totaling $10,202,5004
Wellington clinicians, by field
Counted at the town's own addresses: 34 providers, 15 fields, 28.1 clinicians per 10,000 of the 12,100 residents here
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| Physical, occupational, and speech therapy | 10 | 8.3 | NPPES [2] |
| General dentistry | 4 | 3.3 | NPPES [2] |
| Chiropractic | 3 | 2.5 | NPPES [2] |
| Primary care and family medicine | 2 | 1.7 | NPPES [2] |
| Independent pharmacy | 2 | 1.7 | NPPES [2] |
| Non-medical home care | 2 | 1.7 | NPPES [2] |
| ABA and autism therapy | 2 | 1.7 | NPPES [2] |
| Behavioral and mental health group practices | 2 | 1.7 | NPPES [2] |
| Dermatology | 1 | 0.8 | NPPES [2] |
| DME and HME suppliers | 1 | 0.8 | NPPES [2] |
| Dental specialties | 1 | 0.8 | NPPES [2] |
| Audiology and hearing centers | 1 | 0.8 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 1 | 0.8 | NPPES [2] |
| Occupational health and drug testing | 1 | 0.8 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 1 | 0.8 | NPPES [2] |
| Medical equipment suppliers | 1 | CMS [5] |
Physical, occupational, and speech therapy carries 10 of the 34 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
What lenders have already approved in Larimer County
Lenders in Larimer County have already closed 11 healthcare approvals, averaging $927,500, which is the size a new file gets read beside
| Line | Amount | Reading and source |
|---|---|---|
| SBA healthcare approvals | 11 | One published fiscal year, healthcare borrowers only [4] |
| Approved dollars | $10,202,500 | Approved, not disbursed, and not net of withdrawals [4] |
| Average approval | $927,500 | A mean, so one large approval moves it [4] |
| Lending establishments in the county | 229 | Credit intermediation offices sited in the county [6] |
How this data lands in an underwriting decision
Underwriting starts with 28.1 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. Household income of $103,888 in Wellington 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
- 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 Wellington does not appear. Availability is still a Colorado question.
Underwriting by field in Wellington
physical, occupational, and speech therapy, general dentistry, chiropractic account for most of what is enumerated in Wellington, 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 (4) | Three years of collections history, Hygiene as a share of collections, Overhead ratio and owner add-backs | Acquisition of an established practice |
| Chiropractic (3) | Cash plan revenue, Personal injury receivable age, Visit volume | Startup or acquisition |
NPPES supplies the Wellington counts. The reading columns describe the field in general, and no partner reviewing a Wellington file is bound by them.
Wellington against nearby Colorado markets
Set Wellington's 28.1 per 10,000 against the towns an appraiser would reach for next
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Wellington (current) | 12,100 | 34 | 28.1 | |
| Timnath | 10,848 | 29 | 26.7 | 11 |
| Severance | 11,554 | 18 | 15.6 | 15 |
| Windsor | 41,734 | 329 | 78.8 | 16 |
| Loveland | 81,102 | 1,074 | 132.4 | 20 |
| Johnstown | 20,639 | 97 | 47.0 | 27 |
| Evans | 22,394 | 53 | 23.7 | 28 |
How Wellington sits against the nearest metro
Distance to Fort Collins-Loveland, CO is 11 miles. Appraisers borrow Fort Collins-Loveland, CO rents, and the 12,100 residents set the ceiling on collections. Median household income runs $103,888, which is the number a funder converts into case acceptance on anything elective or cash-pay. With no hospital in town, a projection has to name where referrals and coverage come from.
More of Colorado
Questions from Wellington
01How many providers practice in Wellington, and in what?
34 enumerations sit at Wellington addresses in the monthly NPPES file, working out to 28.1 for every 10,000 residents. 29 percent of them are physical, occupational, and speech therapy, and general dentistry follows with 4. An enumeration is a clinician, so the 34 here cover fewer than 34 practices.
02What 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.
03Is Wellington underwritten as part of Fort Collins-Loveland, CO?
Fort Collins-Loveland, CO sits 11 miles away, close enough that appraisers reach into that market for rent and resale comparables while your patient draw stays local. The comparables read Fort Collins-Loveland, CO; the 12,100 residents set the ceiling a projection can defend.
04What does a $103,888 median income mean for case acceptance?
Median household income in Wellington runs $103,888. 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 Wellington?
The county file behind Wellington holds 11 healthcare approvals totaling $10,202,500, an average of $927,500. Those are the loan sizes lenders in Larimer County have already carried.
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 Wellington 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
- 4U.S. Small Business Administration, 7(a) and 504 approvals
- 5CMS Care Compare provider datasets
- 6U.S. Census Bureau, County Business Patterns 2022
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