Wisconsin micro-market
Healthcare practice financing in Holmen, Wisconsin
Direct answer
La Crosse County carries 2 SBA healthcare approvals worth $888,000, and inside Holmen the census shows 76 enumerated clinicians against 11,866 residents, 64.0 per 10,000, 42 percent of them in physical, occupational, and speech therapy. La Crosse-Onalaska, WI-MN lies 10 miles away.
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- Population: 11,866 residents (10K-25K band)1
- Healthcare providers registered here: 76 across 12 fields2
- Median household income: $77,0833
- Largest provider field: Physical, occupational, and speech therapy: 32 registered providers2
- Nearest metro: La Crosse-Onalaska, WI-MN, 10 miles1
- SBA healthcare approvals in the county: 2 approvals totaling $888,0004
Holmen clinicians, by field
Counted at the town's own addresses: 76 providers, 12 fields, 64.0 clinicians per 10,000 of the 11,866 residents here
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Physical, occupational, and speech therapy | 32 | 27.0 | NPPES [2] |
| Chiropractic | 18 | 15.2 | NPPES [2] |
| Primary care and family medicine | 6 | 5.1 | NPPES [2] |
| General dentistry | 5 | 4.2 | NPPES [2] |
| Optometry and ophthalmology | 4 | 3.4 | NPPES [2] |
| Independent pharmacy | 3 | 2.5 | NPPES [2] |
| ABA and autism therapy | 2 | 1.7 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 2 | 1.7 | NPPES [2] |
| Podiatry | 1 | 0.8 | NPPES [2] |
| Home health | 1 | 0.8 | NPPES [2] |
| Specialty physician groups | 1 | 0.8 | NPPES [2] |
| Behavioral and mental health group practices | 1 | 0.8 | NPPES [2] |
| Medical equipment suppliers | 1 | CMS [5] |
Physical, occupational, and speech therapy carries 32 of the 76 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
What La Crosse 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 |
|---|---|---|
| Approvals on record | 2 | Fiscal year published in the SBA file [4] |
| Total approved capital | $888,000 | Sum of approvals to healthcare borrowers [4] |
| Mean deal size | $444,000 | Dollars divided by approvals [4] |
| Lenders sited in the county | 85 | Credit intermediation establishments, NAICS 522 [6] |
Reading Holmen the way a credit committee does
64.0 per 10,000 is the first number a credit analyst converts into a realistic new-patient count. La Crosse County has 2 approvals to compare against, so plan for extra appraisal time and a conservative valuation. Household income of $77,083 in Holmen 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
- Working capital term loan
- Equipment financing and leasing
- Expansion, relocation, and build-out
Built from what is enumerated here rather than from a national list, so a field with no presence in Holmen does not appear. Availability is still a Wisconsin question.
The first pages of a Holmen file
physical, occupational, and speech therapy, chiropractic, primary care and family medicine account for most of what is enumerated in Holmen, so those are the files funders see from this town
| Practice type | The pages that decide it | Typical capital event |
|---|---|---|
| Physical, occupational, and speech therapy (32) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Chiropractic (18) | Cash plan revenue, Personal injury receivable age, Visit volume | Startup or acquisition |
| Primary care and family medicine (6) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
Column one counts Holmen clinicians from the federal file. Columns two and three describe how the field is usually underwritten, and a partner can read a Holmen file differently.
How Holmen prices against its neighbors
64.0 per 10,000 is the figure a neighboring town gets compared against when an appraiser prices Holmen
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Holmen (current) | 11,866 | 76 | 64.0 | |
| Onalaska | 19,898 | 269 | 135.2 | 6 |
| La Crosse | 51,049 | 987 | 193.3 | 10 |
| Eau Claire | 72,331 | 1,172 | 162.0 | 60 |
| Chippewa Falls | 15,075 | 299 | 198.3 | 67 |
| Reedsburg | 10,314 | 112 | 108.6 | 70 |
| Menomonie | 16,709 | 185 | 110.7 | 71 |
What the geography does to a Holmen projection
10 miles separate Holmen from La Crosse-Onalaska, WI-MN. Lease pricing follows La Crosse-Onalaska, WI-MN, while revenue stays capped by the 11,866 residents here. At $77,083 median household income, the elective and cash-pay share of a projection is the line that gets tested first. Referral flow comes from outside Holmen, which a projection needs to state plainly.
Other Wisconsin markets
- Onalaska 19,898 residents
- La Crosse 51,049 residents
- Eau Claire 72,331 residents
- Chippewa Falls 15,075 residents
- Reedsburg 10,314 residents
- Menomonie 16,709 residents
What owners in Holmen ask
01How many providers practice in Holmen, and in what?
Across 12 fields, Holmen carries 76 enumerated clinicians, 64.0 per 10,000 of the 11,866 people living here. The concentration is in physical, occupational, and speech therapy, 32 of the total, then chiropractic at 18. Count practices from that only with care.
02Why does La Crosse County show so little SBA activity?
Only 2 healthcare approvals appear for La Crosse County in the published 7(a) and 504 file. Thin volume in La Crosse County is a transaction count, not a verdict on borrowers here. The county still holds 85 credit intermediation establishments.
03Is Holmen underwritten as part of La Crosse-Onalaska, WI-MN?
Partly. La Crosse-Onalaska, WI-MN is 10 miles out, so rent and equipment comparables travel in from there while patients still come from the 11,866 residents around Holmen. Cost side metro, revenue side local.
04What does La Crosse County's shortage designation change?
HRSA designates La Crosse County for primary care, dental, mental health. That opens loan repayment programs for clinicians recruited into Holmen and evidences a staffing ramp in a 11,866 resident market.
05Is there local lending capacity in La Crosse County?
County Business Patterns records 85 credit intermediation establishments in La Crosse County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Holmen rents and resale before or by somebody working from a screen.
06Which fields carry the volume in Holmen?
Volume concentrates in physical, occupational, and speech therapy, 32 of them, ahead of chiropractic at 18, across 12 fields. A thin second field usually means a longer search for staff than a pro forma allows for.
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
- 4U.S. Small Business Administration, 7(a) and 504 approvals
- 5CMS Care Compare provider datasets
- 6U.S. Census Bureau, County Business Patterns 2022
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