Wisconsin micro-market
Healthcare practice financing in Grafton, Wisconsin
Direct answer
190 healthcare providers hold a Grafton practice address, 149.1 per 10,000 of its 12,741 residents, 36 percent of them in physical, occupational, and speech therapy. the county recorded 4 SBA healthcare approvals worth $1,055,000, and Milwaukee-Waukesha, WI sits 18 miles out.
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- Population: 12,741 residents (10K-25K band)1
- Healthcare providers registered here: 190 across 24 fields2
- Median household income: $88,6343
- Largest provider field: Physical, occupational, and speech therapy: 68 registered providers2
- Nearest metro: Milwaukee-Waukesha, WI, 18 miles1
- Hospital: A Medicare-certified hospital operates in the town4
Fields practicing inside Grafton
190 providers across 24 fields, 149.1 per 10,000 residents, counted at Grafton addresses in the NPPES monthly file
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| Physical, occupational, and speech therapy | 68 | 53.4 | NPPES [2] |
| Specialty physician groups | 39 | 30.6 | NPPES [2] |
| Chiropractic | 9 | 7.1 | NPPES [2] |
| General dentistry | 9 | 7.1 | NPPES [2] |
| Primary care and family medicine | 8 | 6.3 | NPPES [2] |
| Optometry and ophthalmology | 8 | 6.3 | NPPES [2] |
| DME and HME suppliers | 6 | 4.7 | NPPES [2] |
| Independent pharmacy | 6 | 4.7 | NPPES [2] |
| Dental specialties | 5 | 3.9 | NPPES [2] |
| Behavioral and mental health group practices | 5 | 3.9 | NPPES [2] |
| Med spa and aesthetics | 4 | 3.1 | NPPES [2] |
| Dermatology | 3 | 2.4 | NPPES [2] |
| NEMT and ambulance | 3 | 2.4 | NPPES [2] |
| Non-medical home care | 3 | 2.4 | NPPES [2] |
| Podiatry | 2 | 1.6 | NPPES [2] |
| Audiology and hearing centers | 2 | 1.6 | NPPES [2] |
| ABA and autism therapy | 2 | 1.6 | NPPES [2] |
| Clinical and toxicology labs | 2 | 1.6 | NPPES [2] |
| Home health | 1 | 0.8 | NPPES [2] |
| Urgent care | 1 | 0.8 | NPPES [2] |
| Hormone, TRT, and men's health clinics | 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 | 5 | CMS [4] |
A single Grafton practice can hold more than one of these numbers. 36 percent sit in physical, occupational, and speech therapy, counted as clinicians rather than as owners.
the county approvals, dollars, and lending establishments
With 4 healthcare approvals recorded, the county gives a valuation almost nothing local to lean on
| Line | Amount | Reading and source |
|---|---|---|
| Healthcare files approved | 4 | One published fiscal year, healthcare borrowers only [5] |
| Dollars behind them | $1,055,000 | Approved, not disbursed, and not net of withdrawals [5] |
| Typical approval size | $263,750 | A mean, so one large approval moves it [5] |
| Credit offices operating locally | 53 | Credit intermediation offices sited in the county [6] |
Reading Grafton the way a credit committee does
Density of 149.1 per 10,000 sets the patient draw a projection can claim without an argument. With 4 approvals on record in the county, expect a longer appraisal and a wider collateral discount. With $88,634 as the median household income, the payer mix in a projection has to match what Grafton households actually spend.
Programs the Grafton mix reaches for
- Practice acquisition
- Startup and de novo
- Expansion, relocation, and build-out
- Equipment financing and leasing
- Working capital term loan
The order comes from Grafton's own provider mix, which physical, occupational, and speech therapy dominates at 36 percent. What a partner can actually place in Wisconsin is a separate question.
Underwriting by field in Grafton
Drawn from the fields that actually practice here: physical, occupational, and speech therapy, specialty physician groups, chiropractic
| Practice type | The pages that decide it | Typical capital event |
|---|---|---|
| Physical, occupational, and speech therapy (68) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Specialty physician groups (39) | Ancillary revenue contribution, Provider productivity, Payer contracts | Ancillary build-out |
| Chiropractic (9) | Cash plan revenue, Personal injury receivable age, Visit volume | Startup or acquisition |
Local counts come from NPPES. What a file turns on is drawn from how the field is generally reviewed, not from any decision about your practice.
Density beside the neighboring Wisconsin towns
Density is the number that moves an appraisal: 149.1 per 10,000 here
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Grafton (current) | 12,741 | 190 | 149.1 | |
| Cedarburg | 13,011 | 141 | 108.4 | 2 |
| Port Washington | 12,750 | 116 | 91.0 | 5 |
| Mequon | 25,329 | 480 | 189.5 | 8 |
| Brown Deer | 12,527 | 127 | 101.4 | 10 |
| Germantown | 21,032 | 208 | 98.9 | 11 |
| Glendale | 14,381 | 293 | 203.7 | 13 |
Distance, income, and the wage floor around Grafton
Milwaukee-Waukesha, WI lies 18 miles from Grafton, close enough that appraisers price the lease against Milwaukee-Waukesha, WI rents while 12,741 residents set the revenue ceiling. Median household income runs $88,634, which is the number a funder converts into case acceptance on anything elective or cash-pay. Wages here are anchored by the Medicare-certified hospital in town, which is what a staffing line gets measured against.
More of Wisconsin
- Cedarburg 13,011 residents
- Port Washington 12,750 residents
- Mequon 25,329 residents
- Brown Deer 12,527 residents
- Germantown 21,032 residents
- Glendale 14,381 residents
What owners in Grafton ask
01How many providers practice in Grafton, and in what?
Across 24 fields, Grafton carries 190 enumerated clinicians, 149.1 per 10,000 of the 12,741 people living here. The concentration is in physical, occupational, and speech therapy, 68 of the total, then specialty physician groups at 39. Count practices from that only with care.
02Why does the county show so little SBA activity?
The published file records 4 7(a) and 504 approvals to healthcare borrowers in the county. That tracks how few the county practices changed hands that year, not credit quality. 53 credit intermediation establishments operate in the county, so the lending capacity is local even where the healthcare history is not.
03Is Grafton underwritten as part of Milwaukee-Waukesha, WI?
Comparables and demand split at 18 miles. An appraiser prices the lease and the equipment off Milwaukee-Waukesha, WI; the revenue line has to hold up against 12,741 local residents.
04How does the hospital in Grafton affect a practice file?
It makes the staffing and referral lines checkable. and the hospital sets the wage a clinical hire is bid against in a 149.1 per 10,000 market.
05Is there local lending capacity in the county?
County Business Patterns records 53 credit intermediation establishments in the county. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Grafton rents and resale before or by somebody working from a screen.
06Which fields carry the volume in Grafton?
Physical, occupational, and speech therapy at 68 providers and specialty physician groups at 39 lead the 24 fields enumerated here. A funder reads that mix as the local competition set and the local hiring pool at once, before it reads a single line of your own numbers.
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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