Wisconsin micro-market
Healthcare practice financing in Howard, Wisconsin
Direct answer
Brown County carries 7 SBA healthcare approvals worth $3,181,400, and inside Howard the census shows 10 enumerated clinicians against 21,961 residents, 4.6 per 10,000, 30 percent of them in aba and autism therapy. Green Bay, WI lies 5 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 Wisconsin, and how many partners see it, is set out on the Wisconsin page.
- Population: 21,961 residents (10K-25K band)1
- Healthcare providers registered here: 10 across 7 fields2
- Median household income: $84,8963
- Largest provider field: ABA and autism therapy: 3 registered providers2
- Nearest metro: Green Bay, WI, 5 miles1
- SBA healthcare approvals in the county: 7 approvals totaling $3,181,4004
Who is enumerated in Howard
The NPPES file puts 10 enumerated clinicians inside Howard, spread over 7 fields at 4.6 per 10,000 residents
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| ABA and autism therapy | 3 | 1.4 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 2 | 0.9 | NPPES [2] |
| Dermatology | 1 | 0.5 | NPPES [2] |
| DME and HME suppliers | 1 | 0.5 | NPPES [2] |
| Primary care and family medicine | 1 | 0.5 | NPPES [2] |
| Behavioral and mental health group practices | 1 | 0.5 | NPPES [2] |
| Physical, occupational, and speech therapy | 1 | 0.5 | NPPES [2] |
| Medical equipment suppliers | 1 | CMS [5] |
ABA and autism therapy carries 3 of the 10 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
The lending record behind Howard
The county file holds 7 healthcare approvals, which is a thin comparable set for anyone pricing collateral
| What it measures | Value | How to read it |
|---|---|---|
| Healthcare files approved | 7 | Counted for the fiscal year the SBA publishes [4] |
| Dollars behind them | $3,181,400 | Everything approved to healthcare borrowers, added up [4] |
| Typical approval size | $454,486 | The dollar column over the approval column [4] |
| Credit offices operating locally | 148 | Places that write credit locally, NAICS 522 [6] |
What the two tables above change about a file
The ratio that matters up front is 4.6 per 10,000, which decides whether a ramp schedule reads as conservative. Brown County has 7 approvals to compare against, so plan for extra appraisal time and a conservative valuation. A $84,896 median household income here sets the ceiling on what an elective or cash-pay line can be expected to carry.
Where a file from this town usually lands
- Working capital term loan
- Practice acquisition
- Expansion, relocation, and build-out
- Equipment financing and leasing
- Medical receivables factoring
Ranked from the 7 fields that actually practice in Howard, weighted toward aba and autism therapy. Availability still depends on Wisconsin and on the funding partner.
Underwriting by field in Howard
Drawn from the fields that actually practice here: aba and autism therapy, skilled nursing, assisted living, and memory care, dermatology
| Practice type | The pages that decide it | Typical capital event |
|---|---|---|
| ABA and autism therapy (3) | Authorized hours against delivered hours, Payer mix stability, Billing compliance history | Working capital against authorization and billing lag |
| Skilled nursing, assisted living, and memory care (2) | Census and occupancy, Staffing reporting, Survey history | Working capital |
| Dermatology (1) | Cosmetic versus insurance mix, Provider productivity, Lease term against loan term | Acquisition or roll-in |
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.
Howard against nearby Wisconsin markets
The neighboring markets below are the ones a valuation borrows from when Howard has too few sales of its own
| Comparable | People | Enumerations | Per 10,000 residents | Miles |
|---|---|---|---|---|
| Howard (current) | 21,961 | 10 | 4.6 | |
| Suamico | 13,109 | 17 | 13.0 | 4 |
| Ashwaubenon | 17,437 | 16 | 9.2 | 6 |
| Allouez | 13,923 | 1 | 0.7 | 7 |
| Bellevue | 16,749 | 13 | 7.8 | 9 |
| De Pere | 25,453 | 348 | 136.7 | 10 |
| Kaukauna | 18,363 | 87 | 47.4 | 22 |
Distance, income, and the wage floor around Howard
Green Bay, WI lies 5 miles from Howard, close enough that appraisers price the lease against Green Bay, WI rents while 21,961 residents set the revenue ceiling. Median household income runs $84,896, which is the number a funder converts into case acceptance on anything elective or cash-pay. No hospital operates here, so the referral sources and the call arrangement have to be named rather than assumed.
Nearby Wisconsin towns
Howard owners, answered
01How many providers practice in Howard, and in what?
Across 7 fields, Howard carries 10 enumerated clinicians, 4.6 per 10,000 of the 21,961 people living here. The concentration is in aba and autism therapy, 3 of the total, then skilled nursing, assisted living, and memory care at 2. Count practices from that only with care.
02What does Brown County's shortage designation change?
Brown County holds a HRSA designation covering primary care, dental, mental health. A pro forma for Howard can cite it as the reason a vacancy is fillable, which is usually the weakest line in a ramp schedule.
03Why does Brown County show so little SBA activity?
Brown County shows 7 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. 148 lending establishments operate locally.
04Is Howard underwritten as part of Green Bay, WI?
Green Bay, WI sits 5 miles away, close enough that appraisers reach into that market for rent and resale comparables while your patient draw stays local. The comparables read Green Bay, WI; the 21,961 residents set the ceiling a projection can defend.
05Is there local lending capacity in Brown County?
County Business Patterns records 148 credit intermediation establishments in Brown County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Howard rents and resale before or by somebody working from a screen.
06What does the underserved designation in Brown County support?
Brown 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
- 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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