Illinois micro-market
Healthcare practice financing in Machesney Park, Illinois
Direct answer
79 healthcare providers hold a Machesney Park practice address, 34.6 per 10,000 of its 22,839 residents, 25 percent of them in physical, occupational, and speech therapy. Winnebago County recorded 7 SBA healthcare approvals worth $3,209,500, and Rockford, IL sits 8 miles out.
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- Population: 22,839 residents (10K-25K band)1
- Healthcare providers registered here: 79 across 16 fields2
- Median household income: $74,2443
- Largest provider field: Physical, occupational, and speech therapy: 20 registered providers2
- Medicare-certified providers in town: 1 across 1 categories4
- Nearest metro: Rockford, IL, 8 miles1
What NPPES records at Machesney Park addresses
79 providers across 16 fields, 34.6 per 10,000 residents, counted at Machesney Park addresses in the NPPES monthly file
| Practice type | Count | Rate per 10,000 residents | Published by |
|---|---|---|---|
| Physical, occupational, and speech therapy | 20 | 8.8 | NPPES [2] |
| Optometry and ophthalmology | 13 | 5.7 | NPPES [2] |
| General dentistry | 11 | 4.8 | NPPES [2] |
| Chiropractic | 8 | 3.5 | NPPES [2] |
| Primary care and family medicine | 8 | 3.5 | NPPES [2] |
| DME and HME suppliers | 5 | 2.2 | NPPES [2] |
| Independent pharmacy | 4 | 1.8 | NPPES [2] |
| ABA and autism therapy | 2 | 0.9 | NPPES [2] |
| Home health | 1 | 0.4 | NPPES [2] |
| Urgent care | 1 | 0.4 | NPPES [2] |
| NEMT and ambulance | 1 | 0.4 | NPPES [2] |
| Non-medical home care | 1 | 0.4 | NPPES [2] |
| Behavioral and mental health group practices | 1 | 0.4 | NPPES [2] |
| Clinical and toxicology labs | 1 | 0.4 | NPPES [2] |
| Dialysis and infusion centers | 1 | 0.4 | NPPES [2] |
| Telehealth and virtual clinics | 1 | 0.4 | NPPES [2] |
| Medical equipment suppliers | 7 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] |
Several of the 20 physical, occupational, and speech therapy enumerations can belong to one practice, so the column counts clinicians rather than businesses or owners
Loan activity in Winnebago County
7 healthcare approvals sit in the county file, so an appraiser here works from a short comparable set
| Measure | Published figure | What sits behind it |
|---|---|---|
| Approvals on record | 7 | Fiscal year published in the SBA file [5] |
| Total approved capital | $3,209,500 | Sum of approvals to healthcare borrowers [5] |
| Mean deal size | $458,500 | Dollars divided by approvals [5] |
| Lenders sited in the county | 125 | Credit intermediation establishments, NAICS 522 [6] |
How this data lands in an underwriting decision
34.6 per 10,000 is the first number a credit analyst converts into a realistic new-patient count. Winnebago County has 7 approvals to compare against, so plan for extra appraisal time and a conservative valuation. Household income of $74,244 in Machesney Park is the number a lender uses to sanity check the self-pay share of a revenue projection.
The programs this provider mix points at
- Practice acquisition
- Startup and de novo
- Equipment financing and leasing
- Working capital term loan
- Expansion, relocation, and build-out
The 16 fields practicing locally set this order. A funding partner, not this list, decides what is available in Illinois.
Underwriting by field in Machesney Park
What a funder opens first depends on the field. In Machesney Park that means physical, occupational, and speech therapy, optometry and ophthalmology, general dentistry.
| Field | What the file turns on | The capital event behind most requests |
|---|---|---|
| Physical, occupational, and speech therapy (20) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Optometry and ophthalmology (13) | Exam volume and optical capture, Vision plan mix, Inventory turns | Cold start or acquisition |
| General dentistry (11) | Three years of collections history, Hygiene as a share of collections, Overhead ratio and owner add-backs | Acquisition of an established practice |
Counts in the first column are Machesney Park providers from NPPES. The other two columns describe how funders read that field across markets like Machesney Park, not what any funder will do with your file.
Machesney Park against nearby Illinois markets
Comparables travel. These are the Illinois towns whose density, at 34.6 per 10,000 here, gets weighed beside this one.
| Comparable | People | Enumerations | Per 10,000 residents | Miles |
|---|---|---|---|---|
| Machesney Park (current) | 22,839 | 79 | 34.6 | |
| Loves Park | 23,636 | 161 | 68.1 | 2 |
| Roscoe | 10,981 | 112 | 102.0 | 4 |
| Belvidere | 25,325 | 161 | 63.6 | 10 |
| Woodstock | 25,892 | 245 | 94.6 | 30 |
| Sycamore | 18,968 | 274 | 144.5 | 31 |
| Freeport | 23,140 | 296 | 127.9 | 32 |
How Machesney Park sits against the nearest metro
8 miles separate Machesney Park from Rockford, IL. Lease pricing follows Rockford, IL, while revenue stays capped by the 22,839 residents here. At $74,244 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 Illinois towns
What owners in Machesney Park ask
01How many providers practice in Machesney Park, and in what?
79 enumerations sit at Machesney Park addresses in the monthly NPPES file, working out to 34.6 for every 10,000 residents. 25 percent of them are physical, occupational, and speech therapy, and optometry and ophthalmology follows with 13. An enumeration is a clinician, so the 79 here cover fewer than 79 practices.
02Why does Winnebago County show so little SBA activity?
Only 7 healthcare approvals appear for Winnebago County in the published 7(a) and 504 file. Thin volume in Winnebago County is a transaction count, not a verdict on borrowers here. The county still holds 125 credit intermediation establishments.
03What does Winnebago County's shortage designation change?
Designated for primary care, dental, mental health, Winnebago 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.
04Which fields carry the volume in Machesney Park?
Volume concentrates in physical, occupational, and speech therapy, 20 of them, ahead of optometry and ophthalmology at 13, across 16 fields. A thin second field usually means a longer search for staff than a pro forma allows for.
05Is Machesney Park underwritten as part of Rockford, IL?
Rockford, IL 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 Rockford, IL; the 22,839 residents set the ceiling a projection can defend.
06How many Medicare-certified providers are based in Machesney Park?
Care Compare lists 1 certified providers with a Machesney Park address. That count is a proxy for how much of the local revenue arrives on a federal payment cycle rather than at the front desk.
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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