Wisconsin micro-market
Healthcare practice financing in Fort Atkinson, Wisconsin
Direct answer
Jefferson County carries 2 SBA healthcare approvals worth $862,300, and inside Fort Atkinson the census shows 181 enumerated clinicians against 12,377 residents, 146.2 per 10,000, 39 percent of them in physical, occupational, and speech therapy. Janesville-Beloit, WI lies 19 miles away.
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- Population: 12,377 residents (10K-25K band)1
- Healthcare providers registered here: 181 across 22 fields2
- Median household income: $75,3503
- Largest provider field: Physical, occupational, and speech therapy: 71 registered providers2
- Medicare-certified providers in town: 2 across 2 categories4
- Nearest metro: Janesville-Beloit, WI, 19 miles1
The clinical base a lender can verify here
The NPPES file puts 181 enumerated clinicians inside Fort Atkinson, spread over 22 fields at 146.2 per 10,000 residents
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| Physical, occupational, and speech therapy | 71 | 57.4 | NPPES [2] |
| General dentistry | 21 | 17.0 | NPPES [2] |
| Primary care and family medicine | 16 | 12.9 | NPPES [2] |
| Optometry and ophthalmology | 13 | 10.5 | NPPES [2] |
| Specialty physician groups | 11 | 8.9 | NPPES [2] |
| Chiropractic | 10 | 8.1 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 9 | 7.3 | NPPES [2] |
| DME and HME suppliers | 6 | 4.8 | NPPES [2] |
| Dermatology | 3 | 2.4 | NPPES [2] |
| Non-medical home care | 3 | 2.4 | NPPES [2] |
| Podiatry | 2 | 1.6 | NPPES [2] |
| Home health | 2 | 1.6 | NPPES [2] |
| NEMT and ambulance | 2 | 1.6 | NPPES [2] |
| Independent pharmacy | 2 | 1.6 | NPPES [2] |
| Behavioral and mental health group practices | 2 | 1.6 | NPPES [2] |
| Dialysis and infusion centers | 2 | 1.6 | NPPES [2] |
| ASCs and OBLs | 1 | 0.8 | NPPES [2] |
| ABA and autism therapy | 1 | 0.8 | NPPES [2] |
| Med spa and aesthetics | 1 | 0.8 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 1 | 0.8 | NPPES [2] |
| Clinical and toxicology labs | 1 | 0.8 | NPPES [2] |
| Occupational health and drug testing | 1 | 0.8 | NPPES [2] |
| Medical equipment suppliers | 4 | CMS [4] | |
| Ambulatory surgical centers | 1 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] |
Physical, occupational, and speech therapy carries 71 of the 181 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
What Jefferson County credit files already show
2 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 |
|---|---|---|
| SBA healthcare approvals | 2 | Counted for the fiscal year the SBA publishes [5] |
| Approved dollars | $862,300 | Everything approved to healthcare borrowers, added up [5] |
| Average approval | $431,150 | The dollar column over the approval column [5] |
| Lending establishments in the county | 44 | Places that write credit locally, NAICS 522 [6] |
The consequence of these numbers
Density of 146.2 per 10,000 sets the patient draw a projection can claim without an argument. With 2 approvals on record in Jefferson County, expect a longer appraisal and a wider collateral discount. Household income of $75,350 in Fort Atkinson 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
- Expansion, relocation, and build-out
- Working capital term loan
- Equipment financing and leasing
Built from what is enumerated here rather than from a national list, so a field with no presence in Fort Atkinson does not appear. Availability is still a Wisconsin question.
Underwriting by field in Fort Atkinson
physical, occupational, and speech therapy, general dentistry, primary care and family medicine account for most of what is enumerated in Fort Atkinson, so those are the files funders see from this town
| Field | What the file turns on | The capital event behind most requests |
|---|---|---|
| Physical, occupational, and speech therapy (71) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| General dentistry (21) | Three years of collections history, Hygiene as a share of collections, Overhead ratio and owner add-backs | Acquisition of an established practice |
| Primary care and family medicine (16) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
The first column is Fort Atkinson's own NPPES count. The rest is how the field is generally underwritten, whether the address is Fort Atkinson or anywhere else.
How Fort Atkinson prices against its neighbors
The neighboring markets below are the ones a valuation borrows from when Fort Atkinson has too few sales of its own
| Comparable | People | Enumerations | Per 10,000 residents | Miles |
|---|---|---|---|---|
| Fort Atkinson (current) | 12,377 | 181 | 146.2 | |
| Whitewater | 16,076 | 67 | 41.7 | 8 |
| Janesville | 66,428 | 623 | 93.8 | 19 |
| Stoughton | 13,134 | 125 | 95.2 | 19 |
| Watertown | 22,617 | 212 | 93.7 | 19 |
| Oconomowoc | 20,002 | 241 | 120.5 | 22 |
| Elkhorn | 10,122 | 166 | 164.0 | 23 |
How Fort Atkinson sits against the nearest metro
Distance to Janesville-Beloit, WI is 19 miles. Appraisers borrow Janesville-Beloit, WI rents, and the 12,377 residents set the ceiling on collections. Median household income runs $75,350, 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 12,377 resident town: where referrals originate, and what staff cost.
Nearby Wisconsin towns
- Whitewater 16,076 residents
- Janesville 66,428 residents
- Stoughton 13,134 residents
- Watertown 22,617 residents
- Oconomowoc 20,002 residents
- Elkhorn 10,122 residents
Questions from Fort Atkinson
01How many providers practice in Fort Atkinson, and in what?
Across 22 fields, Fort Atkinson carries 181 enumerated clinicians, 146.2 per 10,000 of the 12,377 people living here. The concentration is in physical, occupational, and speech therapy, 71 of the total, then general dentistry at 21. Count practices from that only with care.
02What does Jefferson County's shortage designation change?
Designated for primary care, dental, mental health, Jefferson 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 Jefferson County show so little SBA activity?
Jefferson County shows 2 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. 44 lending establishments operate locally.
04Is Fort Atkinson underwritten as part of Janesville-Beloit, WI?
Partly. Janesville-Beloit, WI is 19 miles out, so rent and equipment comparables travel in from there while patients still come from the 12,377 residents around Fort Atkinson. Cost side metro, revenue side local.
05How does the hospital in Fort Atkinson 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. 2 Medicare-certified providers are located here in total. It also sets the wage floor behind every hire in a 146.2 per 10,000 market.
06What does the underserved designation in Jefferson County support?
Jefferson County carries a medically underserved designation. It evidences unmet demand behind a capacity build, and it opens recruitment programs that make a staffing line in a projection easier to defend than local wage data alone would.
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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