Wisconsin micro-market
Healthcare practice financing in Hartford, Wisconsin
Direct answer
139 healthcare providers hold a Hartford practice address, 87.0 per 10,000 of its 15,984 residents, 32 percent of them in physical, occupational, and speech therapy. Washington County recorded 3 SBA healthcare approvals worth $720,000, and Milwaukee-Waukesha, WI sits 27 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 Wisconsin, and how many partners see it, is set out on the Wisconsin page.
- Population: 15,984 residents (10K-25K band)1
- Healthcare providers registered here: 139 across 18 fields2
- Median household income: $74,2523
- Largest provider field: Physical, occupational, and speech therapy: 44 registered providers2
- Nearest metro: Milwaukee-Waukesha, WI, 27 miles1
- Hospital: A Medicare-certified hospital operates in the town4
Who is enumerated in Hartford
139 providers across 18 fields, 87.0 per 10,000 residents, counted at Hartford addresses in the NPPES monthly file
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| Physical, occupational, and speech therapy | 44 | 27.5 | NPPES [2] |
| Primary care and family medicine | 26 | 16.3 | NPPES [2] |
| Chiropractic | 13 | 8.1 | NPPES [2] |
| General dentistry | 11 | 6.9 | NPPES [2] |
| Specialty physician groups | 9 | 5.6 | NPPES [2] |
| Optometry and ophthalmology | 9 | 5.6 | NPPES [2] |
| DME and HME suppliers | 6 | 3.8 | NPPES [2] |
| Independent pharmacy | 4 | 2.5 | NPPES [2] |
| Audiology and hearing centers | 4 | 2.5 | NPPES [2] |
| Behavioral and mental health group practices | 3 | 1.9 | NPPES [2] |
| Clinical research sites | 2 | 1.3 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 2 | 1.3 | NPPES [2] |
| Home health | 1 | 0.6 | NPPES [2] |
| Pain management and interventional | 1 | 0.6 | NPPES [2] |
| Dental specialties | 1 | 0.6 | NPPES [2] |
| NEMT and ambulance | 1 | 0.6 | NPPES [2] |
| Non-medical home care | 1 | 0.6 | NPPES [2] |
| Telehealth and virtual clinics | 1 | 0.6 | NPPES [2] |
| Medical equipment suppliers | 5 | CMS [4] |
Several of the 44 physical, occupational, and speech therapy enumerations can belong to one practice, so the column counts clinicians rather than businesses or owners
Loan activity in Washington County
3 healthcare approvals sit in the county file, so an appraiser here works from a short comparable set
| Measure | Published figure | What sits behind it |
|---|---|---|
| SBA healthcare approvals | 3 | One published fiscal year, healthcare borrowers only [5] |
| Approved dollars | $720,000 | Approved, not disbursed, and not net of withdrawals [5] |
| Average approval | $240,000 | A mean, so one large approval moves it [5] |
| Lending establishments in the county | 59 | Credit intermediation offices sited in the county [6] |
Reading Hartford the way a credit committee does
At 87.0 clinicians per 10,000 residents, the catchment radius in a projection has to be defended rather than assumed. A short county record of 3 approvals usually means more documentation and a lower advance against the same collateral. Household income of $74,252 in Hartford 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
- 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 Hartford does not appear. Availability is still a Wisconsin question.
Underwriting by field in Hartford
physical, occupational, and speech therapy, primary care and family medicine, chiropractic account for most of what is enumerated in Hartford, 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 (44) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Primary care and family medicine (26) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| Chiropractic (13) | Cash plan revenue, Personal injury receivable age, Visit volume | Startup or acquisition |
Column one counts Hartford clinicians from the federal file. Columns two and three describe how the field is usually underwritten, and a partner can read a Hartford file differently.
Hartford against nearby Wisconsin markets
Set Hartford's 87.0 per 10,000 against the towns an appraiser would reach for next
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Hartford (current) | 15,984 | 139 | 87.0 | |
| West Bend | 32,149 | 462 | 143.7 | 12 |
| Germantown | 21,032 | 208 | 98.9 | 14 |
| Hartland | 10,203 | 104 | 101.9 | 15 |
| Sussex | 12,607 | 89 | 70.6 | 15 |
| Oconomowoc | 20,002 | 241 | 120.5 | 16 |
| Menomonee Falls | 40,700 | 478 | 117.4 | 17 |
How Hartford sits against the nearest metro
Distance to Milwaukee-Waukesha, WI is 27 miles. That is close enough for rent in Hartford to be compared against the metro and far enough that patient draw is not. Households here carry $74,252 in median income, and that ceiling decides how much of a treatment plan gets started rather than deferred. A Medicare-certified hospital operates here, so referral flow is verifiable and the clinical wage floor is already set.
More of Wisconsin
- West Bend 32,149 residents
- Germantown 21,032 residents
- Hartland 10,203 residents
- Sussex 12,607 residents
- Oconomowoc 20,002 residents
- Menomonee Falls 40,700 residents
Hartford owners, answered
01How many providers practice in Hartford, and in what?
Across 18 fields, Hartford carries 139 enumerated clinicians, 87.0 per 10,000 of the 15,984 people living here. The concentration is in physical, occupational, and speech therapy, 44 of the total, then primary care and family medicine at 26. Count practices from that only with care.
02Why does Washington County show so little SBA activity?
The published file records 3 7(a) and 504 approvals to healthcare borrowers in Washington County. That tracks how few Washington County practices changed hands that year, not credit quality. 59 credit intermediation establishments operate in Washington County, so the lending capacity is local even where the healthcare history is not.
03Is Hartford underwritten as part of Milwaukee-Waukesha, WI?
Comparables and demand split at 27 miles. An appraiser prices the lease and the equipment off Milwaukee-Waukesha, WI; the revenue line has to hold up against 15,984 local residents.
04How does the hospital in Hartford 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 87.0 per 10,000 market.
05Is there local lending capacity in Washington County?
County Business Patterns records 59 credit intermediation establishments in Washington County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Hartford rents and resale before or by somebody working from a screen.
06Which fields carry the volume in Hartford?
The 18 enumerated fields are led by physical, occupational, and speech therapy at 44, with primary care and family medicine at 26 behind it. Those two counts double as the competition you are entering and the bench you would hire from.
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
Our team reviews every request within 1 business day. If a funding partner thinks they can help, a specialist from that partner contacts you to discuss next steps.