Wisconsin micro-market
Healthcare practice financing in Stoughton, Wisconsin
Direct answer
13,134 residents, 125 enumerated clinicians, 95.2 per 10,000, 34 percent of them in physical, occupational, and speech therapy: that is the Stoughton market a funder prices. Dane County adds 14 healthcare approvals worth $5,021,000 and 15 miles of distance to Madison, 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: 13,134 residents (10K-25K band)1
- Healthcare providers registered here: 125 across 16 fields2
- Median household income: $78,5173
- Largest provider field: Physical, occupational, and speech therapy: 43 registered providers2
- Nearest metro: Madison, WI, 15 miles1
- Hospital: A Medicare-certified hospital operates in the town4
Who is enumerated in Stoughton
The NPPES file puts 125 enumerated clinicians inside Stoughton, spread over 16 fields at 95.2 per 10,000 residents
| Practice type | Count | Rate per 10,000 residents | Published by |
|---|---|---|---|
| Physical, occupational, and speech therapy | 43 | 32.7 | NPPES [2] |
| Chiropractic | 16 | 12.2 | NPPES [2] |
| Primary care and family medicine | 13 | 9.9 | NPPES [2] |
| Optometry and ophthalmology | 12 | 9.1 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 8 | 6.1 | NPPES [2] |
| General dentistry | 7 | 5.3 | NPPES [2] |
| DME and HME suppliers | 5 | 3.8 | NPPES [2] |
| Behavioral and mental health group practices | 5 | 3.8 | NPPES [2] |
| Specialty physician groups | 4 | 3.0 | NPPES [2] |
| Home health | 3 | 2.3 | NPPES [2] |
| ABA and autism therapy | 3 | 2.3 | NPPES [2] |
| Audiology and hearing centers | 2 | 1.5 | NPPES [2] |
| NEMT and ambulance | 1 | 0.8 | NPPES [2] |
| Independent pharmacy | 1 | 0.8 | NPPES [2] |
| Non-medical home care | 1 | 0.8 | NPPES [2] |
| Med spa and aesthetics | 1 | 0.8 | NPPES [2] |
| Medical equipment suppliers | 4 | CMS [4] |
A single Stoughton practice can hold more than one of these numbers. 34 percent sit in physical, occupational, and speech therapy, counted as clinicians rather than as owners.
What Dane County credit files already show
14 healthcare approvals averaging $358,643 set the deal shape lenders in Dane County have already underwritten
| Line | Amount | Reading and source |
|---|---|---|
| SBA healthcare approvals | 14 | Counted for the fiscal year the SBA publishes [5] |
| Approved dollars | $5,021,000 | Everything approved to healthcare borrowers, added up [5] |
| Average approval | $358,643 | The dollar column over the approval column [5] |
| Lending establishments in the county | 299 | Places that write credit locally, NAICS 522 [6] |
The consequence of these numbers
Underwriting starts with 95.2 providers per 10,000 residents, because that ratio caps how fast a chair or a room fills. Because Dane County already carries $5,021,000 across 14 healthcare approvals, a request near that average moves faster than one well above it. With $78,517 as the median household income, the payer mix in a projection has to match what Stoughton households actually spend.
Programs the Stoughton mix reaches for
- Practice acquisition
- Startup and de novo
- Working capital term loan
- Equipment financing and leasing
- Expansion, relocation, and build-out
Weighted by how often each of the 16 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 Stoughton
Drawn from the fields that actually practice here: physical, occupational, and speech therapy, chiropractic, primary care and family medicine
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| Physical, occupational, and speech therapy (43) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Chiropractic (16) | Cash plan revenue, Personal injury receivable age, Visit volume | Startup or acquisition |
| Primary care and family medicine (13) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
Column one counts Stoughton clinicians from the federal file. Columns two and three describe how the field is usually underwritten, and a partner can read a Stoughton file differently.
Density beside the neighboring Wisconsin towns
Density is the number that moves an appraisal: 95.2 per 10,000 here
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Stoughton (current) | 13,134 | 125 | 95.2 | |
| Oregon | 11,895 | 76 | 63.9 | 8 |
| Fitchburg | 34,357 | 398 | 115.8 | 11 |
| Verona | 16,825 | 246 | 146.2 | 17 |
| Sun Prairie | 39,253 | 264 | 67.3 | 18 |
| Fort Atkinson | 12,377 | 181 | 146.2 | 19 |
| Middleton | 22,566 | 313 | 138.7 | 19 |
How Stoughton sits against the nearest metro
Distance to Madison, WI is 15 miles. Appraisers borrow Madison, WI rents, and the 13,134 residents set the ceiling on collections. Median household income runs $78,517, which is the number a funder converts into case acceptance on anything elective or cash-pay. Wages here are anchored by the Medicare-certified hospital in town, which is what a staffing line gets measured against.
Nearby Wisconsin towns
- Oregon 11,895 residents
- Fitchburg 34,357 residents
- Verona 16,825 residents
- Sun Prairie 39,253 residents
- Fort Atkinson 12,377 residents
- Middleton 22,566 residents
Questions from Stoughton
01How many providers practice in Stoughton, and in what?
NPPES lists 125 providers at a Stoughton practice address, 95.2 per 10,000 residents across 16 tracked fields. Physical, occupational, and speech therapy accounts for 43 of them, 34 percent of the total, with chiropractic next at 16. Read that as clinicians: 125 enumerations, not 125 owners.
02What does Dane County's shortage designation change?
Dane County holds a HRSA designation covering primary care, dental, mental health. A pro forma for Stoughton can cite it as the reason a vacancy is fillable, which is usually the weakest line in a ramp schedule.
03How does the hospital in Stoughton affect a practice file?
A Medicare-certified hospital operates in the town, which gives referral flow, a call schedule, and a clinical labor pool a funder can verify. It also sets the wage floor behind every hire in a 95.2 per 10,000 market.
04Which fields carry the volume in Stoughton?
Physical, occupational, and speech therapy at 43 providers and chiropractic at 16 lead the 16 fields enumerated here. A funder reads that mix as the local competition set and the local hiring pool at once, before it reads a single line of your own numbers.
05Is Stoughton underwritten as part of Madison, WI?
Partly. Madison, WI is 15 miles out, so rent and equipment comparables travel in from there while patients still come from the 13,134 residents around Stoughton. Cost side metro, revenue side local.
06What does SBA lending look like around Stoughton?
Healthcare borrowers in Dane County took 14 approvals worth $5,021,000 in the published fiscal year, averaging $358,643. That is the comparable set an appraiser near Stoughton reaches for first.
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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