New Jersey micro-market
Healthcare practice financing in Bergenfield, New Jersey
Direct answer
Bergen County carries 39 SBA healthcare approvals worth $19,343,600, and inside Bergenfield the census shows 238 enumerated clinicians against 28,921 residents, 82.3 per 10,000, 35 percent of them in physical, occupational, and speech therapy. New York-Newark-Jersey City, NY-NJ lies 18 miles away.
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- Population: 28,921 residents (25K-50K band)1
- Healthcare providers registered here: 238 across 22 fields2
- Median household income: $124,0833
- Largest provider field: Physical, occupational, and speech therapy: 83 registered providers2
- Medicare-certified providers in town: 2 across 1 categories4
- Nearest metro: New York-Newark-Jersey City, NY-NJ, 18 miles1
Fields practicing inside Bergenfield
82.3 providers per 10,000 residents is what 238 enumerations across 22 fields works out to in a town of 28,921
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Physical, occupational, and speech therapy | 83 | 28.7 | NPPES [2] |
| General dentistry | 27 | 9.3 | NPPES [2] |
| Specialty physician groups | 20 | 6.9 | NPPES [2] |
| Optometry and ophthalmology | 16 | 5.5 | NPPES [2] |
| DME and HME suppliers | 15 | 5.2 | NPPES [2] |
| Chiropractic | 12 | 4.1 | NPPES [2] |
| ABA and autism therapy | 11 | 3.8 | NPPES [2] |
| Dental specialties | 7 | 2.4 | NPPES [2] |
| Home health | 6 | 2.1 | NPPES [2] |
| Med spa and aesthetics | 6 | 2.1 | NPPES [2] |
| Primary care and family medicine | 5 | 1.7 | NPPES [2] |
| Independent pharmacy | 5 | 1.7 | NPPES [2] |
| Non-medical home care | 5 | 1.7 | NPPES [2] |
| Urgent care | 4 | 1.4 | NPPES [2] |
| ASCs and OBLs | 3 | 1.0 | NPPES [2] |
| NEMT and ambulance | 3 | 1.0 | NPPES [2] |
| Telehealth and virtual clinics | 3 | 1.0 | NPPES [2] |
| Behavioral and mental health group practices | 2 | 0.7 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 2 | 0.7 | NPPES [2] |
| Podiatry | 1 | 0.3 | NPPES [2] |
| Imaging centers | 1 | 0.3 | NPPES [2] |
| Hospice and palliative | 1 | 0.3 | NPPES [2] |
| Medical equipment suppliers | 4 | CMS [4] | |
| Ambulatory surgical centers | 2 | CMS [4] |
Physical, occupational, and speech therapy carries 83 of the 238 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
What Bergen County credit files already show
The published file shows 39 healthcare approvals in Bergen County, $19,343,600 in total, and that history is what an appraiser and a credit committee reach for
| Line | Amount | Reading and source |
|---|---|---|
| SBA healthcare approvals | 39 | Counted for the fiscal year the SBA publishes [5] |
| Approved dollars | $19,343,600 | Everything approved to healthcare borrowers, added up [5] |
| Average approval | $495,990 | The dollar column over the approval column [5] |
| Lending establishments in the county | 598 | Places that write credit locally, NAICS 522 [6] |
Reading Bergenfield the way a credit committee does
82.3 per 10,000 is the first number a credit analyst converts into a realistic new-patient count. 39 approvals worth $19,343,600 in Bergen County means the size you are asking for has a local precedent to point at. Household income of $124,083 in Bergenfield is the number a lender uses to sanity check the self-pay share of a revenue projection.
Where a file from this town usually lands
- Practice acquisition
- Startup and de novo
- Equipment financing and leasing
- Working capital term loan
- Expansion, relocation, and build-out
Weighted by how often each of the 22 local fields reaches for a program, not by what is easiest to refer. New Jersey rules and the partner decide availability.
Underwriting by field in Bergenfield
What a funder opens first depends on the field. In Bergenfield that means physical, occupational, and speech therapy, general dentistry, specialty physician groups.
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| Physical, occupational, and speech therapy (83) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| General dentistry (27) | Three years of collections history, Hygiene as a share of collections, Overhead ratio and owner add-backs | Acquisition of an established practice |
| Specialty physician groups (20) | Ancillary revenue contribution, Provider productivity, Payer contracts | Ancillary build-out |
The first column is Bergenfield's own NPPES count. The rest is how the field is generally underwritten, whether the address is Bergenfield or anywhere else.
How Bergenfield prices against its neighbors
Density is the number that moves an appraisal: 82.3 per 10,000 here
| Comparable | People | Enumerations | Per 10,000 residents | Miles |
|---|---|---|---|---|
| Bergenfield (current) | 28,921 | 238 | 82.3 | |
| New Milford | 17,229 | 86 | 49.9 | 1 |
| Dumont | 18,606 | 94 | 50.5 | 2 |
| River Edge | 12,235 | 92 | 75.2 | 2 |
| Tenafly | 15,455 | 163 | 105.5 | 2 |
| Englewood | 30,221 | 567 | 187.6 | 3 |
| Hackensack | 46,630 | 1,074 | 230.3 | 3 |
How Bergenfield sits against the nearest metro
Distance to New York-Newark-Jersey City, NY-NJ is 18 miles. Appraisers borrow New York-Newark-Jersey City, NY-NJ rents, and the 28,921 residents set the ceiling on collections. Median household income runs $124,083, 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 New Jersey towns
- New Milford 17,229 residents
- Dumont 18,606 residents
- River Edge 12,235 residents
- Tenafly 15,455 residents
- Englewood 30,221 residents
- Hackensack 46,630 residents
What owners in Bergenfield ask
01How many providers practice in Bergenfield, and in what?
NPPES lists 238 providers at a Bergenfield practice address, 82.3 per 10,000 residents across 22 tracked fields. Physical, occupational, and speech therapy accounts for 83 of them, 35 percent of the total, with general dentistry next at 27. Read that as clinicians: 238 enumerations, not 238 owners.
02What does SBA lending look like around Bergenfield?
Healthcare borrowers in Bergen County took 39 approvals worth $19,343,600 in the published fiscal year, averaging $495,990. That is the comparable set an appraiser near Bergenfield reaches for first.
03Is Bergenfield underwritten as part of New York-Newark-Jersey City, NY-NJ?
Partly. New York-Newark-Jersey City, NY-NJ is 18 miles out, so rent and equipment comparables travel in from there while patients still come from the 28,921 residents around Bergenfield. Cost side metro, revenue side local.
04What does a $124,083 median income mean for case acceptance?
Median household income in Bergenfield runs $124,083. 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.
05Is there local lending capacity in Bergen County?
County Business Patterns records 598 credit intermediation establishments in Bergen County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Bergenfield rents and resale before or by somebody working from a screen.
06What does the underserved designation in Bergen County support?
Bergen 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
- 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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