New Jersey micro-market
Healthcare practice financing in Dumont, New Jersey
Direct answer
18,606 residents, 94 enumerated clinicians, 50.5 per 10,000, 34 percent of them in physical, occupational, and speech therapy: that is the Dumont market a funder prices. Bergen County adds 39 healthcare approvals worth $19,343,600 and 20 miles of distance to 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: 18,606 residents (10K-25K band)1
- Healthcare providers registered here: 94 across 17 fields2
- Median household income: $125,5853
- Largest provider field: Physical, occupational, and speech therapy: 32 registered providers2
- Nearest metro: New York-Newark-Jersey City, NY-NJ, 20 miles1
- SBA healthcare approvals in the county: 39 approvals totaling $19,343,6004
The provider census in Dumont
94 providers across 17 fields, 50.5 per 10,000 residents, counted at Dumont addresses in the NPPES monthly file
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Physical, occupational, and speech therapy | 32 | 17.2 | NPPES [2] |
| General dentistry | 11 | 5.9 | NPPES [2] |
| Specialty physician groups | 9 | 4.8 | NPPES [2] |
| Behavioral and mental health group practices | 8 | 4.3 | NPPES [2] |
| Chiropractic | 7 | 3.8 | NPPES [2] |
| Primary care and family medicine | 6 | 3.2 | NPPES [2] |
| Home health | 4 | 2.1 | NPPES [2] |
| Med spa and aesthetics | 4 | 2.1 | NPPES [2] |
| DME and HME suppliers | 2 | 1.1 | NPPES [2] |
| Dental specialties | 2 | 1.1 | NPPES [2] |
| ABA and autism therapy | 2 | 1.1 | NPPES [2] |
| Optometry and ophthalmology | 2 | 1.1 | NPPES [2] |
| NEMT and ambulance | 1 | 0.5 | NPPES [2] |
| Independent pharmacy | 1 | 0.5 | NPPES [2] |
| Audiology and hearing centers | 1 | 0.5 | NPPES [2] |
| Non-medical home care | 1 | 0.5 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 1 | 0.5 | NPPES [2] |
| Medical equipment suppliers | 3 | CMS [5] |
A single Dumont 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 lenders have already approved in Bergen County
Lenders in Bergen County have already closed 39 healthcare approvals, averaging $495,990, which is the size a new file gets read beside
| Line | Amount | Reading and source |
|---|---|---|
| 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] |
What the two tables above change about a file
A file from here opens on 50.5 providers per 10,000 residents, and everything about volume follows from it. 39 approvals worth $19,343,600 in Bergen County means the size you are asking for has a local precedent to point at. With $125,585 as the median household income, the payer mix in a projection has to match what Dumont households actually spend.
Programs the Dumont mix reaches for
- Practice acquisition
- Startup and de novo
- Working capital term loan
- Expansion, relocation, and build-out
- Equipment financing and leasing
Weighted by how often each of the 17 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 Dumont
What a funder opens first depends on the field. In Dumont 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 (32) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| General dentistry (11) | 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 (9) | Ancillary revenue contribution, Provider productivity, Payer contracts | Ancillary build-out |
The first column is Dumont's own NPPES count. The rest is how the field is generally underwritten, whether the address is Dumont or anywhere else.
How Dumont prices against its neighbors
50.5 per 10,000 is the figure a neighboring town gets compared against when an appraiser prices Dumont
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Dumont (current) | 18,606 | 94 | 50.5 | |
| Bergenfield | 28,921 | 238 | 82.3 | 2 |
| New Milford | 17,229 | 86 | 49.9 | 2 |
| River Edge | 12,235 | 92 | 75.2 | 3 |
| Tenafly | 15,455 | 163 | 105.5 | 3 |
| Englewood | 30,221 | 567 | 187.6 | 4 |
| Paramus | 26,786 | 813 | 303.5 | 4 |
How Dumont sits against the nearest metro
Distance to New York-Newark-Jersey City, NY-NJ is 20 miles. Appraisers borrow New York-Newark-Jersey City, NY-NJ rents, and the 18,606 residents set the ceiling on collections. Households here carry $125,585 in median income, and that ceiling decides how much of a treatment plan gets started rather than deferred. With no hospital in town, a projection has to name where referrals and coverage come from.
Nearby New Jersey towns
- Bergenfield 28,921 residents
- New Milford 17,229 residents
- River Edge 12,235 residents
- Tenafly 15,455 residents
- Englewood 30,221 residents
- Paramus 26,786 residents
Dumont owners, answered
01How many providers practice in Dumont, and in what?
94 enumerations sit at Dumont addresses in the monthly NPPES file, working out to 50.5 for every 10,000 residents. 34 percent of them are physical, occupational, and speech therapy, and general dentistry follows with 11. An enumeration is a clinician, so the 94 here cover fewer than 94 practices.
02What does SBA lending look like around Dumont?
$19,343,600 went to healthcare borrowers in Bergen County across 39 approvals, $495,990 on average. Deals near Dumont get sized against that record before anything else.
03What does a $125,585 median income mean for case acceptance?
Median household income in Dumont runs $125,585. 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.
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 Dumont rents and resale before or by somebody working from a screen.
05Is Dumont underwritten as part of New York-Newark-Jersey City, NY-NJ?
Partly. New York-Newark-Jersey City, NY-NJ is 20 miles out, so rent and equipment comparables travel in from there while patients still come from the 18,606 residents around Dumont. Cost side metro, revenue side local.
06Which fields carry the volume in Dumont?
Volume concentrates in physical, occupational, and speech therapy, 32 of them, ahead of general dentistry at 11, across 17 fields. A thin second field usually means a longer search for staff than a pro forma allows for.
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
Our team reviews every request within 1 business day. If a funding partner thinks they can help, a specialist from that partner contacts you to discuss next steps.