Kansas micro-market
Healthcare practice financing in Winfield, Kansas
Direct answer
Cowley County carries 1 SBA healthcare approvals worth $400,000, and inside Winfield the census shows 114 enumerated clinicians against 11,678 residents, 97.6 per 10,000, 20 percent of them in primary care and family medicine. Wichita, KS lies 37 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 Kansas, and how many partners see it, is set out on the Kansas page.
- Population: 11,678 residents (10K-25K band)1
- Healthcare providers registered here: 114 across 19 fields2
- Median household income: $58,1403
- Largest provider field: Primary care and family medicine: 23 registered providers2
- Medicare-certified providers in town: 2 across 2 categories4
- Nearest metro: Wichita, KS, 37 miles1
Who is enumerated in Winfield
114 providers across 19 fields, 97.6 per 10,000 residents, counted at Winfield addresses in the NPPES monthly file
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Primary care and family medicine | 23 | 19.7 | NPPES [2] |
| Chiropractic | 17 | 14.6 | NPPES [2] |
| Physical, occupational, and speech therapy | 13 | 11.1 | NPPES [2] |
| Optometry and ophthalmology | 12 | 10.3 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 10 | 8.6 | NPPES [2] |
| General dentistry | 7 | 6.0 | NPPES [2] |
| Independent pharmacy | 6 | 5.1 | NPPES [2] |
| Specialty physician groups | 5 | 4.3 | NPPES [2] |
| DME and HME suppliers | 4 | 3.4 | NPPES [2] |
| Home health | 3 | 2.6 | NPPES [2] |
| Behavioral and mental health group practices | 3 | 2.6 | NPPES [2] |
| Podiatry | 2 | 1.7 | NPPES [2] |
| NEMT and ambulance | 2 | 1.7 | NPPES [2] |
| Clinical and toxicology labs | 2 | 1.7 | NPPES [2] |
| Urgent care | 1 | 0.9 | NPPES [2] |
| Sleep centers | 1 | 0.9 | NPPES [2] |
| SUD treatment and residential | 1 | 0.9 | NPPES [2] |
| Audiology and hearing centers | 1 | 0.9 | NPPES [2] |
| Dialysis and infusion centers | 1 | 0.9 | NPPES [2] |
| Medical equipment suppliers | 9 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] | |
| Home health agencies | 1 | CMS [4] |
Primary care and family medicine carries 23 of the 114 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
Loan activity in Cowley County
1 healthcare approvals sit in the county file, so an appraiser here works from a short comparable set
| What it measures | Value | How to read it |
|---|---|---|
| Approvals on record | 1 | One published fiscal year, healthcare borrowers only [5] |
| Total approved capital | $400,000 | Approved, not disbursed, and not net of withdrawals [5] |
| Mean deal size | $400,000 | A mean, so one large approval moves it [5] |
| Lenders sited in the county | 25 | Credit intermediation offices sited in the county [6] |
How this data lands in an underwriting decision
97.6 per 10,000 is the first number a credit analyst converts into a realistic new-patient count. Cowley County has 1 approvals to compare against, so plan for extra appraisal time and a conservative valuation. With $58,140 as the median household income, the payer mix in a projection has to match what Winfield households actually spend.
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
The order comes from Winfield's own provider mix, which primary care and family medicine dominates at 20 percent. What a partner can actually place in Kansas is a separate question.
What a funder reads first in Winfield
What a funder opens first depends on the field. In Winfield that means primary care and family medicine, chiropractic, physical, occupational, and speech therapy.
| Practice type | The pages that decide it | Typical capital event |
|---|---|---|
| Primary care and family medicine (23) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| Chiropractic (17) | Cash plan revenue, Personal injury receivable age, Visit volume | Startup or acquisition |
| Physical, occupational, and speech therapy (13) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
Column one counts Winfield clinicians from the federal file. Columns two and three describe how the field is usually underwritten, and a partner can read a Winfield file differently.
How Winfield prices against its neighbors
97.6 per 10,000 is the figure a neighboring town gets compared against when an appraiser prices Winfield
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Winfield (current) | 11,678 | 114 | 97.6 | |
| Derby | 26,604 | 198 | 74.4 | 27 |
| Haysville | 11,406 | 47 | 41.2 | 30 |
| Andover | 17,000 | 132 | 77.6 | 32 |
| Bel Aire | 10,066 | 33 | 32.8 | 40 |
| El Dorado | 12,694 | 102 | 80.4 | 40 |
| Newton | 18,320 | 224 | 122.3 | 58 |
What the geography does to a Winfield projection
37 miles separate Winfield from Wichita, KS. Rent comparables cross that gap; patients mostly do not. At $58,140 median household income, the elective and cash-pay share of a projection is the line that gets tested first. Because a certified hospital sits inside the town, both the referral path and the pay a clinical hire expects are already observable. A degree-granting institution here moves volume on the academic calendar. Winfield is the Cowley County seat, so county employment steadies the payer mix.
Other Kansas markets
What owners in Winfield ask
01How many providers practice in Winfield, and in what?
Across 19 fields, Winfield carries 114 enumerated clinicians, 97.6 per 10,000 of the 11,678 people living here. The concentration is in primary care and family medicine, 23 of the total, then chiropractic at 17. Count practices from that only with care.
02What does Cowley County's shortage designation change?
Designated for primary care, dental, mental health, Cowley 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.
03Why does Cowley County show so little SBA activity?
The published file records 1 7(a) and 504 approvals to healthcare borrowers in Cowley County. That tracks how few Cowley County practices changed hands that year, not credit quality. 25 credit intermediation establishments operate in Cowley County, so the lending capacity is local even where the healthcare history is not.
04Is Winfield underwritten as part of Wichita, KS?
Partly. Wichita, KS is 37 miles out, so rent and equipment comparables travel in from there while patients still come from the 11,678 residents around Winfield. Cost side metro, revenue side local.
05How does the hospital in Winfield affect a practice file?
It makes the staffing and referral lines checkable. 2 Medicare-certified providers hold Winfield addresses, and the hospital sets the wage a clinical hire is bid against in a 97.6 per 10,000 market.
06What does a $58,140 median income mean for case acceptance?
Median household income in Winfield runs $58,140. 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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