Wisconsin micro-market
Healthcare practice financing in Oshkosh, Wisconsin
Direct answer
Winnebago County carries 2 SBA healthcare approvals worth $658,000, and inside Oshkosh the census shows 629 enumerated clinicians against 67,242 residents, 93.5 per 10,000, 29 percent of them in physical, occupational, and speech therapy. Oshkosh-Neenah, WI lies 0 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: 67,242 residents (50K-100K band)1
- Healthcare providers registered here: 629 across 28 fields2
- Median household income: $61,9293
- Largest provider field: Physical, occupational, and speech therapy: 181 registered providers2
- Medicare-certified providers in town: 4 across 3 categories4
- Nearest metro: Oshkosh-Neenah, WI, 0 miles1
The clinical base a lender can verify here
The NPPES file puts 629 enumerated clinicians inside Oshkosh, spread over 28 fields at 93.5 per 10,000 residents
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Physical, occupational, and speech therapy | 181 | 26.9 | NPPES [2] |
| Primary care and family medicine | 59 | 8.8 | NPPES [2] |
| Specialty physician groups | 50 | 7.4 | NPPES [2] |
| Chiropractic | 47 | 7.0 | NPPES [2] |
| General dentistry | 47 | 7.0 | NPPES [2] |
| Optometry and ophthalmology | 39 | 5.8 | NPPES [2] |
| DME and HME suppliers | 20 | 3.0 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 20 | 3.0 | NPPES [2] |
| Dental specialties | 19 | 2.8 | NPPES [2] |
| Independent pharmacy | 17 | 2.5 | NPPES [2] |
| Audiology and hearing centers | 16 | 2.4 | NPPES [2] |
| ABA and autism therapy | 15 | 2.2 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 15 | 2.2 | NPPES [2] |
| Non-medical home care | 13 | 1.9 | NPPES [2] |
| Med spa and aesthetics | 11 | 1.6 | NPPES [2] |
| Behavioral and mental health group practices | 10 | 1.5 | NPPES [2] |
| Occupational health and drug testing | 10 | 1.5 | NPPES [2] |
| Home health | 9 | 1.3 | NPPES [2] |
| Dialysis and infusion centers | 6 | 0.9 | NPPES [2] |
| Podiatry | 4 | 0.6 | NPPES [2] |
| Dermatology | 4 | 0.6 | NPPES [2] |
| ASCs and OBLs | 4 | 0.6 | NPPES [2] |
| SUD treatment and residential | 3 | 0.4 | NPPES [2] |
| Hormone, TRT, and men's health clinics | 3 | 0.4 | NPPES [2] |
| Plastic and cosmetic surgery | 3 | 0.4 | NPPES [2] |
| Urgent care | 2 | 0.3 | NPPES [2] |
| NEMT and ambulance | 1 | 0.1 | NPPES [2] |
| Telehealth and virtual clinics | 1 | 0.1 | NPPES [2] |
| Medical equipment suppliers | 19 | CMS [4] | |
| Dialysis facilities | 2 | CMS [4] | |
| Ambulatory surgical centers | 1 | CMS [4] | |
| Home health agencies | 1 | CMS [4] |
Physical, occupational, and speech therapy carries 181 of the 629 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
The lending record behind Oshkosh
The county file holds 2 healthcare approvals, which is a thin comparable set for anyone pricing collateral
| What it measures | Value | How to read it |
|---|---|---|
| SBA healthcare approvals | 2 | One published fiscal year, healthcare borrowers only [5] |
| Approved dollars | $658,000 | Approved, not disbursed, and not net of withdrawals [5] |
| Average approval | $329,000 | A mean, so one large approval moves it [5] |
| Lending establishments in the county | 92 | Credit intermediation offices sited in the county [6] |
What the two tables above change about a file
The ratio that matters up front is 93.5 per 10,000, which decides whether a ramp schedule reads as conservative. With 2 approvals on record in Winnebago County, expect a longer appraisal and a wider collateral discount. A $61,929 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
- Practice acquisition
- Startup and de novo
- Expansion, relocation, and build-out
- Working capital term loan
- Equipment financing and leasing
Weighted by how often each of the 28 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 Oshkosh
What a funder opens first depends on the field. In Oshkosh that means physical, occupational, and speech therapy, primary care and family medicine, specialty physician groups.
| Field | What the file turns on | The capital event behind most requests |
|---|---|---|
| Physical, occupational, and speech therapy (181) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Primary care and family medicine (59) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| Specialty physician groups (50) | Ancillary revenue contribution, Provider productivity, Payer contracts | Ancillary build-out |
Column one counts Oshkosh clinicians from the federal file. Columns two and three describe how the field is usually underwritten, and a partner can read a Oshkosh file differently.
Oshkosh against nearby Wisconsin markets
The neighboring markets below are the ones a valuation borrows from when Oshkosh has too few sales of its own
| Comparable | People | Enumerations | Per 10,000 residents | Miles |
|---|---|---|---|---|
| Oshkosh (current) | 67,242 | 629 | 93.5 | |
| Neenah | 27,502 | 374 | 136.0 | 11 |
| Menasha | 18,433 | 174 | 94.4 | 15 |
| Fond du Lac | 44,469 | 533 | 119.9 | 18 |
| Greenville | 13,273 | 35 | 26.4 | 18 |
| Appleton | 75,344 | 1,350 | 179.2 | 20 |
| Little Chute | 11,761 | 27 | 23.0 | 22 |
How Oshkosh sits against the nearest metro
Distance to Oshkosh-Neenah, WI is 0 miles. Appraisers borrow Oshkosh-Neenah, WI rents, and the 67,242 residents set the ceiling on collections. Median household income runs $61,929, which is the number a funder converts into case acceptance on anything elective or cash-pay. Hospital coverage inside Oshkosh means a call schedule can be evidenced rather than described. Higher education here explains why summer looks unlike the rest of the year. Oshkosh is the Winnebago County seat, so county employment steadies the payer mix.
More of Wisconsin
- Neenah 27,502 residents
- Menasha 18,433 residents
- Fond du Lac 44,469 residents
- Greenville 13,273 residents
- Appleton 75,344 residents
- Little Chute 11,761 residents
Oshkosh owners, answered
01How many providers practice in Oshkosh, and in what?
NPPES lists 629 providers at a Oshkosh practice address, 93.5 per 10,000 residents across 28 tracked fields. Physical, occupational, and speech therapy accounts for 181 of them, 29 percent of the total, with primary care and family medicine next at 59. Read that as clinicians: 629 enumerations, not 629 owners.
02What does Winnebago County's shortage designation change?
Designated for primary care, dental, mental health, Winnebago County qualifies its clinicians for federal repayment support. On a file that turns on adding staff, that is the difference between a hiring assumption and a hiring plan.
03Why does Winnebago County show so little SBA activity?
The published file records 2 7(a) and 504 approvals to healthcare borrowers in Winnebago County. That tracks how few Winnebago County practices changed hands that year, not credit quality. 92 credit intermediation establishments operate in Winnebago County, so the lending capacity is local even where the healthcare history is not.
04How does the hospital in Oshkosh affect a practice file?
It makes the staffing and referral lines checkable. 4 Medicare-certified providers hold Oshkosh addresses, and the hospital sets the wage a clinical hire is bid against in a 93.5 per 10,000 market.
05Which fields carry the volume in Oshkosh?
Volume concentrates in physical, occupational, and speech therapy, 181 of them, ahead of primary care and family medicine at 59, across 28 fields. A thin second field usually means a longer search for staff than a pro forma allows for.
06Is there local lending capacity in Winnebago County?
County Business Patterns records 92 credit intermediation establishments in Winnebago County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Oshkosh rents and resale before or by somebody working from a screen.
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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