New Jersey micro-market
Healthcare practice financing in East Rutherford, New Jersey
Direct answer
A East Rutherford file is read against 79 local clinicians, 74.4 for every 10,000 of its 10,624 residents, 19 percent of them in physical, occupational, and speech therapy, plus the 39 SBA healthcare approvals worth $19,343,600 already recorded in Bergen County, 13 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: 10,624 residents (10K-25K band)1
- Healthcare providers registered here: 79 across 17 fields2
- Median household income: $91,7893
- Largest provider field: Physical, occupational, and speech therapy: 15 registered providers2
- Nearest metro: New York-Newark-Jersey City, NY-NJ, 13 miles1
- SBA healthcare approvals in the county: 39 approvals totaling $19,343,6004
Who is enumerated in East Rutherford
79 providers across 17 fields, 74.4 per 10,000 residents, counted at East Rutherford addresses in the NPPES monthly file
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| Physical, occupational, and speech therapy | 15 | 14.1 | NPPES [2] |
| ABA and autism therapy | 14 | 13.2 | NPPES [2] |
| DME and HME suppliers | 7 | 6.6 | NPPES [2] |
| Chiropractic | 7 | 6.6 | NPPES [2] |
| General dentistry | 5 | 4.7 | NPPES [2] |
| Non-medical home care | 5 | 4.7 | NPPES [2] |
| Optometry and ophthalmology | 5 | 4.7 | NPPES [2] |
| Independent pharmacy | 4 | 3.8 | NPPES [2] |
| Home health | 3 | 2.8 | NPPES [2] |
| Primary care and family medicine | 3 | 2.8 | NPPES [2] |
| Specialty physician groups | 3 | 2.8 | NPPES [2] |
| Dental specialties | 2 | 1.9 | NPPES [2] |
| Behavioral and mental health group practices | 2 | 1.9 | NPPES [2] |
| Podiatry | 1 | 0.9 | NPPES [2] |
| Med spa and aesthetics | 1 | 0.9 | NPPES [2] |
| Clinical and toxicology labs | 1 | 0.9 | NPPES [2] |
| Occupational health and drug testing | 1 | 0.9 | NPPES [2] |
| Medical equipment suppliers | 3 | CMS [5] |
Several of the 15 physical, occupational, and speech therapy enumerations can belong to one practice, so the column counts clinicians rather than businesses or owners
The lending record behind East Rutherford
Lenders in Bergen County have already closed 39 healthcare approvals, averaging $495,990, which is the size a new file gets read beside
| Measure | Published figure | What sits behind 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
74.4 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 $91,789 in East Rutherford 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
- Working capital term loan
- Startup and de novo
- Equipment financing and leasing
- Medical receivables factoring
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.
The first pages of a East Rutherford file
physical, occupational, and speech therapy, aba and autism therapy, dme and hme suppliers account for most of what is enumerated in East Rutherford, so those are the files funders see from this town
| Practice type | The pages that decide it | Typical capital event |
|---|---|---|
| Physical, occupational, and speech therapy (15) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| ABA and autism therapy (14) | Authorized hours against delivered hours, Payer mix stability, Billing compliance history | Working capital against authorization and billing lag |
| DME and HME suppliers (7) | Accreditation and surety bond status, Rental versus sale revenue split, Denial rate and documentation quality | Inventory and rental fleet |
Counts in the first column are East Rutherford providers from NPPES. The other two columns describe how funders read that field across markets like East Rutherford, not what any funder will do with your file.
How East Rutherford prices against its neighbors
Comparables travel. These are the New Jersey towns whose density, at 74.4 per 10,000 here, gets weighed beside this one.
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| East Rutherford (current) | 10,624 | 79 | 74.4 | |
| Rutherford | 19,214 | 189 | 98.4 | 1 |
| Hasbrouck Heights | 12,253 | 89 | 72.6 | 3 |
| Little Ferry | 11,137 | 39 | 35.0 | 3 |
| North Arlington | 16,694 | 70 | 41.9 | 3 |
| Secaucus | 22,710 | 196 | 86.3 | 3 |
| Wallington | 12,060 | 34 | 28.2 | 3 |
How East Rutherford sits against the nearest metro
Distance to New York-Newark-Jersey City, NY-NJ is 13 miles. Appraisers borrow New York-Newark-Jersey City, NY-NJ rents, and the 10,624 residents set the ceiling on collections. Households here carry $91,789 in median income, and that ceiling decides how much of a treatment plan gets started rather than deferred. Referral flow comes from outside East Rutherford, which a projection needs to state plainly.
Other New Jersey markets
- Rutherford 19,214 residents
- Hasbrouck Heights 12,253 residents
- Little Ferry 11,137 residents
- North Arlington 16,694 residents
- Secaucus 22,710 residents
- Wallington 12,060 residents
What owners in East Rutherford ask
01How many providers practice in East Rutherford, and in what?
Across 17 fields, East Rutherford carries 79 enumerated clinicians, 74.4 per 10,000 of the 10,624 people living here. The concentration is in physical, occupational, and speech therapy, 15 of the total, then aba and autism therapy at 14. Count practices from that only with care.
02What does SBA lending look like around East Rutherford?
$19,343,600 went to healthcare borrowers in Bergen County across 39 approvals, $495,990 on average. Deals near East Rutherford get sized against that record before anything else.
03Which fields carry the volume in East Rutherford?
The 17 enumerated fields are led by physical, occupational, and speech therapy at 15, with aba and autism therapy at 14 behind it. Those two counts double as the competition you are entering and the bench you would hire from.
04Is East Rutherford underwritten as part of New York-Newark-Jersey City, NY-NJ?
New York-Newark-Jersey City, NY-NJ sits 13 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 10,624 residents set the ceiling a projection can defend.
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 East Rutherford 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
- 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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