Wisconsin micro-market
Healthcare practice financing in Whitewater, Wisconsin
Direct answer
67 healthcare providers hold a Whitewater practice address, 41.7 per 10,000 of its 16,076 residents, 21 percent of them in physical, occupational, and speech therapy. Walworth County recorded 2 SBA healthcare approvals worth $584,000, and Janesville-Beloit, WI sits 18 miles out.
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- Population: 16,076 residents (10K-25K band)1
- Healthcare providers registered here: 67 across 17 fields2
- Median household income: $49,0003
- Largest provider field: Physical, occupational, and speech therapy: 14 registered providers2
- Nearest metro: Janesville-Beloit, WI, 18 miles1
- Higher education: At least one degree-granting institution is based here4
What NPPES records at Whitewater addresses
41.7 providers per 10,000 residents is what 67 enumerations across 17 fields works out to in a town of 16,076
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| Physical, occupational, and speech therapy | 14 | 8.7 | NPPES [2] |
| Primary care and family medicine | 10 | 6.2 | NPPES [2] |
| DME and HME suppliers | 8 | 5.0 | NPPES [2] |
| Chiropractic | 7 | 4.4 | NPPES [2] |
| General dentistry | 5 | 3.1 | NPPES [2] |
| NEMT and ambulance | 3 | 1.9 | NPPES [2] |
| Independent pharmacy | 3 | 1.9 | NPPES [2] |
| Optometry and ophthalmology | 3 | 1.9 | NPPES [2] |
| Behavioral and mental health group practices | 3 | 1.9 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 3 | 1.9 | NPPES [2] |
| Urgent care | 2 | 1.2 | NPPES [2] |
| Sleep centers | 1 | 0.6 | NPPES [2] |
| Pain management and interventional | 1 | 0.6 | NPPES [2] |
| Non-medical home care | 1 | 0.6 | NPPES [2] |
| Med spa and aesthetics | 1 | 0.6 | NPPES [2] |
| Specialty physician groups | 1 | 0.6 | NPPES [2] |
| Telehealth and virtual clinics | 1 | 0.6 | NPPES [2] |
| Medical equipment suppliers | 4 | CMS [5] |
Several of the 14 physical, occupational, and speech therapy enumerations can belong to one practice, so the column counts clinicians rather than businesses or owners
What lenders have already approved in Walworth County
The county file holds 2 healthcare approvals, which is a thin comparable set for anyone pricing collateral
| Measure | Published figure | What sits behind it |
|---|---|---|
| Approvals on record | 2 | Fiscal year published in the SBA file [6] |
| Total approved capital | $584,000 | Sum of approvals to healthcare borrowers [6] |
| Mean deal size | $292,000 | Dollars divided by approvals [6] |
| Lenders sited in the county | 49 | Credit intermediation establishments, NAICS 522 [7] |
Reading Whitewater the way a credit committee does
Underwriting starts with 41.7 providers per 10,000 residents, because that ratio caps how fast a chair or a room fills. Walworth County has 2 approvals to compare against, so plan for extra appraisal time and a conservative valuation. Household income of $49,000 in Whitewater 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
- Equipment financing and leasing
- Working capital term loan
- Expansion, relocation, and build-out
The order comes from Whitewater's own provider mix, which physical, occupational, and speech therapy dominates at 21 percent. What a partner can actually place in Wisconsin is a separate question.
What a funder reads first in Whitewater
physical, occupational, and speech therapy, primary care and family medicine, dme and hme suppliers account for most of what is enumerated in Whitewater, so those are the files funders see from this town
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| Physical, occupational, and speech therapy (14) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Primary care and family medicine (10) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| DME and HME suppliers (8) | Accreditation and surety bond status, Rental versus sale revenue split, Denial rate and documentation quality | Inventory and rental fleet |
Column one counts Whitewater clinicians from the federal file. Columns two and three describe how the field is usually underwritten, and a partner can read a Whitewater file differently.
Whitewater against nearby Wisconsin markets
Density is the number that moves an appraisal: 41.7 per 10,000 here
| Comparable | People | Enumerations | Per 10,000 residents | Miles |
|---|---|---|---|---|
| Whitewater (current) | 16,076 | 67 | 41.7 | |
| Fort Atkinson | 12,377 | 181 | 146.2 | 8 |
| Elkhorn | 10,122 | 166 | 164.0 | 15 |
| Janesville | 66,428 | 623 | 93.8 | 18 |
| Oconomowoc | 20,002 | 241 | 120.5 | 22 |
| Watertown | 22,617 | 212 | 93.7 | 24 |
| Stoughton | 13,134 | 125 | 95.2 | 25 |
How Whitewater sits against the nearest metro
18 miles separate Whitewater from Janesville-Beloit, WI. Lease pricing follows Janesville-Beloit, WI, while revenue stays capped by the 16,076 residents here. At $49,000 median household income, the elective and cash-pay share of a projection is the line that gets tested first. No hospital operates here, so the referral sources and the call arrangement have to be named rather than assumed. A degree-granting institution here moves volume on the academic calendar.
Other Wisconsin markets
- Fort Atkinson 12,377 residents
- Elkhorn 10,122 residents
- Janesville 66,428 residents
- Oconomowoc 20,002 residents
- Watertown 22,617 residents
- Stoughton 13,134 residents
What owners in Whitewater ask
01How many providers practice in Whitewater, and in what?
NPPES lists 67 providers at a Whitewater practice address, 41.7 per 10,000 residents across 17 tracked fields. Physical, occupational, and speech therapy accounts for 14 of them, 21 percent of the total, with primary care and family medicine next at 10. Read that as clinicians: 67 enumerations, not 67 owners.
02Why does Walworth County show so little SBA activity?
Only 2 healthcare approvals appear for Walworth County in the published 7(a) and 504 file. Thin volume in Walworth County is a transaction count, not a verdict on borrowers here. The county still holds 49 credit intermediation establishments.
03What does Walworth County's shortage designation change?
HRSA designates Walworth County for primary care, dental, mental health. That opens loan repayment programs for clinicians recruited into Whitewater and evidences a staffing ramp in a 16,076 resident market.
04What does a $49,000 median income mean for case acceptance?
Median household income in Whitewater runs $49,000. On elective and cash-pay work that is the number a funder converts into case acceptance, and it sets how much of a treatment plan a projection can assume gets started rather than deferred.
05How does the college here show up in the numbers?
Higher education here shapes the calendar more than the population figure suggests. The 16,076 resident count understates term-time demand and overstates it in July, and a lender that sees both months wants the reason.
06Is Whitewater underwritten as part of Janesville-Beloit, WI?
Comparables and demand split at 18 miles. An appraiser prices the lease and the equipment off Janesville-Beloit, WI; the revenue line has to hold up against 16,076 local residents.
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. Department of Education, IPEDS 2023 institutional directory
- 5CMS Care Compare provider datasets
- 6U.S. Small Business Administration, 7(a) and 504 approvals
- 7U.S. Census Bureau, County Business Patterns 2022
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