Wisconsin micro-market
Healthcare practice financing in Monroe, Wisconsin
Direct answer
A Monroe file is read against 184 local clinicians, 173.9 for every 10,000 of its 10,579 residents, 31 percent of them in physical, occupational, and speech therapy, plus the 0 SBA healthcare approvals worth $0 already recorded in Green County, 32 miles from Janesville-Beloit, WI.
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: 10,579 residents (10K-25K band)1
- Healthcare providers registered here: 184 across 23 fields2
- Median household income: $67,6213
- Largest provider field: Physical, occupational, and speech therapy: 57 registered providers2
- Medicare-certified providers in town: 3 across 3 categories4
- Nearest metro: Janesville-Beloit, WI, 32 miles1
Monroe clinicians, by field
The NPPES file puts 184 enumerated clinicians inside Monroe, spread over 23 fields at 173.9 per 10,000 residents
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| Physical, occupational, and speech therapy | 57 | 53.9 | NPPES [2] |
| Primary care and family medicine | 28 | 26.5 | NPPES [2] |
| Chiropractic | 20 | 18.9 | NPPES [2] |
| Optometry and ophthalmology | 12 | 11.3 | NPPES [2] |
| Behavioral and mental health group practices | 9 | 8.5 | NPPES [2] |
| General dentistry | 8 | 7.6 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 8 | 7.6 | NPPES [2] |
| DME and HME suppliers | 7 | 6.6 | NPPES [2] |
| Specialty physician groups | 7 | 6.6 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 5 | 4.7 | NPPES [2] |
| Independent pharmacy | 4 | 3.8 | NPPES [2] |
| Podiatry | 2 | 1.9 | NPPES [2] |
| Dermatology | 2 | 1.9 | NPPES [2] |
| Home health | 2 | 1.9 | NPPES [2] |
| Dental specialties | 2 | 1.9 | NPPES [2] |
| Non-medical home care | 2 | 1.9 | NPPES [2] |
| Dialysis and infusion centers | 2 | 1.9 | NPPES [2] |
| Telehealth and virtual clinics | 2 | 1.9 | NPPES [2] |
| NEMT and ambulance | 1 | 0.9 | NPPES [2] |
| Audiology and hearing centers | 1 | 0.9 | NPPES [2] |
| Hospice and palliative | 1 | 0.9 | NPPES [2] |
| Med spa and aesthetics | 1 | 0.9 | NPPES [2] |
| Hormone, TRT, and men's health clinics | 1 | 0.9 | NPPES [2] |
| Medical equipment suppliers | 5 | CMS [4] | |
| Hospice providers | 1 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] | |
| Home health agencies | 1 | CMS [4] |
Several of the 57 physical, occupational, and speech therapy enumerations can belong to one practice, so the column counts clinicians rather than businesses or owners
Green County approvals, dollars, and lending establishments
The county file holds 0 healthcare approvals, which is a thin comparable set for anyone pricing collateral
| Measure | Published figure | What sits behind it |
|---|---|---|
| Healthcare files approved | 0 | Fiscal year published in the SBA file [5] |
| Dollars behind them | $0 | Sum of approvals to healthcare borrowers [5] |
| Typical approval size | No approvals recorded | Dollars divided by approvals [5] |
| Credit offices operating locally | 25 | Credit intermediation establishments, NAICS 522 [6] |
How this data lands in an underwriting decision
At 173.9 clinicians per 10,000 residents, the catchment radius in a projection has to be defended rather than assumed. A short county record of 0 approvals usually means more documentation and a lower advance against the same collateral. A $67,621 median household income here sets the ceiling on what an elective or cash-pay line can be expected to carry.
The programs this provider mix points at
- Practice acquisition
- Startup and de novo
- Working capital term loan
- Expansion, relocation, and build-out
- Equipment financing and leasing
Weighted by how often each of the 23 local fields reaches for a program, not by what is easiest to refer. Wisconsin rules and the partner decide availability.
What a funder reads first in Monroe
physical, occupational, and speech therapy, primary care and family medicine, chiropractic account for most of what is enumerated in Monroe, 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 (57) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Primary care and family medicine (28) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| Chiropractic (20) | Cash plan revenue, Personal injury receivable age, Visit volume | Startup or acquisition |
The first column is Monroe's own NPPES count. The rest is how the field is generally underwritten, whether the address is Monroe or anywhere else.
Monroe against nearby Wisconsin markets
The neighboring markets below are the ones a valuation borrows from when Monroe has too few sales of its own
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Monroe (current) | 10,579 | 184 | 173.9 | |
| Oregon | 11,895 | 76 | 63.9 | 26 |
| Verona | 16,825 | 246 | 146.2 | 27 |
| Fitchburg | 34,357 | 398 | 115.8 | 28 |
| Stoughton | 13,134 | 125 | 95.2 | 31 |
| Beloit | 36,633 | 243 | 66.3 | 32 |
| Janesville | 66,428 | 623 | 93.8 | 32 |
Distance, income, and the wage floor around Monroe
Janesville-Beloit, WI lies 32 miles from Monroe, close enough for rent comparables to travel and far enough that patient draw does not. Households here carry $67,621 in median income, and that ceiling decides how much of a treatment plan gets started rather than deferred. The Medicare-certified hospital in Monroe sets the local wage floor before you hire against it. Monroe is the Green County seat, so county employment steadies the payer mix.
Other Wisconsin markets
Monroe owners, answered
01How many providers practice in Monroe, and in what?
NPPES lists 184 providers at a Monroe practice address, 173.9 per 10,000 residents across 23 tracked fields. Physical, occupational, and speech therapy accounts for 57 of them, 31 percent of the total, with primary care and family medicine next at 28. Read that as clinicians: 184 enumerations, not 184 owners.
02Why does Green County show so little SBA activity?
Only 0 healthcare approvals appear for Green County in the published 7(a) and 504 file. Thin volume in Green County is a transaction count, not a verdict on borrowers here. The county still holds 25 credit intermediation establishments.
03Is Monroe underwritten as part of Janesville-Beloit, WI?
Partly. Janesville-Beloit, WI is 32 miles out, so rent and equipment comparables travel in from there while patients still come from the 10,579 residents around Monroe. Cost side metro, revenue side local.
04What does Green County's shortage designation change?
HRSA designates Green County for primary care, dental, mental health. That opens loan repayment programs for clinicians recruited into Monroe and evidences a staffing ramp in a 10,579 resident market.
05How does the hospital in Monroe affect a practice file?
Referral flow, coverage, and the local pay scale all trace back to it. The town carries 3 Medicare-certified providers in total. A Monroe projection that names the call arrangement reads better than one that assumes it.
06Does being the Green County seat change anything?
Monroe is the Green County seat, so county payroll steadies the payer mix and courthouse traffic keeps the daytime population above the 10,579 residents on the census. Both show up as a flatter seasonal curve in a collections history.
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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