New Jersey micro-market
Healthcare practice financing in Cliffside Park, New Jersey
Direct answer
A Cliffside Park file is read against 172 local clinicians, 65.7 for every 10,000 of its 26,183 residents, 37 percent of them in physical, occupational, and speech therapy, plus the 39 SBA healthcare approvals worth $19,343,600 already recorded in Bergen County, 11 miles from New York-Newark-Jersey City, NY-NJ.
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 New Jersey, and how many partners see it, is set out on the New Jersey page.
- Population: 26,183 residents (25K-50K band)1
- Healthcare providers registered here: 172 across 22 fields2
- Median household income: $94,9603
- Largest provider field: Physical, occupational, and speech therapy: 64 registered providers2
- Nearest metro: New York-Newark-Jersey City, NY-NJ, 11 miles1
- SBA healthcare approvals in the county: 39 approvals totaling $19,343,6004
Cliffside Park clinicians, by field
65.7 providers per 10,000 residents is what 172 enumerations across 22 fields works out to in a town of 26,183
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| Physical, occupational, and speech therapy | 64 | 24.4 | NPPES [2] |
| General dentistry | 19 | 7.3 | NPPES [2] |
| Chiropractic | 12 | 4.6 | NPPES [2] |
| Specialty physician groups | 11 | 4.2 | NPPES [2] |
| Optometry and ophthalmology | 9 | 3.4 | NPPES [2] |
| DME and HME suppliers | 8 | 3.1 | NPPES [2] |
| Dental specialties | 7 | 2.7 | NPPES [2] |
| Primary care and family medicine | 6 | 2.3 | NPPES [2] |
| Podiatry | 5 | 1.9 | NPPES [2] |
| Independent pharmacy | 5 | 1.9 | NPPES [2] |
| Dermatology | 4 | 1.5 | NPPES [2] |
| Home health | 4 | 1.5 | NPPES [2] |
| SUD treatment and residential | 3 | 1.1 | NPPES [2] |
| Non-medical home care | 3 | 1.1 | NPPES [2] |
| Urgent care | 2 | 0.8 | NPPES [2] |
| ASCs and OBLs | 2 | 0.8 | NPPES [2] |
| ABA and autism therapy | 2 | 0.8 | NPPES [2] |
| Med spa and aesthetics | 2 | 0.8 | NPPES [2] |
| NEMT and ambulance | 1 | 0.4 | NPPES [2] |
| Behavioral and mental health group practices | 1 | 0.4 | NPPES [2] |
| Clinical and toxicology labs | 1 | 0.4 | NPPES [2] |
| Telehealth and virtual clinics | 1 | 0.4 | NPPES [2] |
| Medical equipment suppliers | 4 | CMS [5] |
Physical, occupational, and speech therapy carries 64 of the 172 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
Bergen County approvals, dollars, and lending establishments
39 healthcare approvals averaging $495,990 set the deal shape lenders in Bergen County have already underwritten
| What it measures | Value | How to read it |
|---|---|---|
| SBA healthcare approvals | 39 | Fiscal year published in the SBA file [4] |
| Approved dollars | $19,343,600 | Sum of approvals to healthcare borrowers [4] |
| Average approval | $495,990 | Dollars divided by approvals [4] |
| Lending establishments in the county | 598 | Credit intermediation establishments, NAICS 522 [6] |
How this data lands in an underwriting decision
65.7 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. With $94,960 as the median household income, the payer mix in a projection has to match what Cliffside Park households actually spend.
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
The 22 fields practicing locally set this order. A funding partner, not this list, decides what is available in New Jersey.
What a funder reads first in Cliffside Park
physical, occupational, and speech therapy, general dentistry, chiropractic account for most of what is enumerated in Cliffside Park, 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 (64) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| General dentistry (19) | Three years of collections history, Hygiene as a share of collections, Overhead ratio and owner add-backs | Acquisition of an established practice |
| Chiropractic (12) | Cash plan revenue, Personal injury receivable age, Visit volume | Startup or acquisition |
The first column is Cliffside Park's own NPPES count. The rest is how the field is generally underwritten, whether the address is Cliffside Park or anywhere else.
Density beside the neighboring New Jersey towns
65.7 per 10,000 is the figure a neighboring town gets compared against when an appraiser prices Cliffside Park
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Cliffside Park (current) | 26,183 | 172 | 65.7 | |
| Edgewater | 15,116 | 160 | 105.8 | 1 |
| Fairview | 15,606 | 38 | 24.3 | 1 |
| Fort Lee | 40,566 | 454 | 111.9 | 2 |
| Guttenberg | 11,945 | 32 | 26.8 | 2 |
| Palisades Park | 20,520 | 126 | 61.4 | 2 |
| Ridgefield | 11,666 | 92 | 78.9 | 2 |
How Cliffside Park sits against the nearest metro
Distance to New York-Newark-Jersey City, NY-NJ is 11 miles. Appraisers borrow New York-Newark-Jersey City, NY-NJ rents, and the 26,183 residents set the ceiling on collections. Median household income runs $94,960, which is the number a funder converts into case acceptance on anything elective or cash-pay. Referral flow comes from outside Cliffside Park, which a projection needs to state plainly.
Nearby New Jersey towns
- Edgewater 15,116 residents
- Fairview 15,606 residents
- Fort Lee 40,566 residents
- Guttenberg 11,945 residents
- Palisades Park 20,520 residents
- Ridgefield 11,666 residents
Cliffside Park owners, answered
01How many providers practice in Cliffside Park, and in what?
Across 22 fields, Cliffside Park carries 172 enumerated clinicians, 65.7 per 10,000 of the 26,183 people living here. The concentration is in physical, occupational, and speech therapy, 64 of the total, then general dentistry at 19. Count practices from that only with care.
02What does SBA lending look like around Cliffside Park?
The county file behind Cliffside Park holds 39 healthcare approvals totaling $19,343,600, an average of $495,990. Those are the loan sizes lenders in Bergen County have already carried.
03Is Cliffside Park underwritten as part of New York-Newark-Jersey City, NY-NJ?
New York-Newark-Jersey City, NY-NJ sits 11 miles away, close enough that appraisers reach into that market for rent and resale comparables while your patient draw stays local. The comparables read New York-Newark-Jersey City, NY-NJ; the 26,183 residents set the ceiling a projection can defend.
04Is 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 Cliffside Park rents and resale before or by somebody working from a screen.
05What 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.
06There is no hospital here. Does that hurt a loan?
No Medicare-certified hospital operates in Cliffside Park, so referral flow and staffing come from Bergen County and from New York-Newark-Jersey City, NY-NJ. Name the referral sources and the call arrangement and it stays a logistics question.
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. Small Business Administration, 7(a) and 504 approvals
- 5CMS Care Compare provider datasets
- 6U.S. Census Bureau, County Business Patterns 2022
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