New Jersey micro-market
Healthcare practice financing in Edgewater, New Jersey
Direct answer
A Edgewater file is read against 160 local clinicians, 105.8 for every 10,000 of its 15,116 residents, 29 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.
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- Population: 15,116 residents (10K-25K band)1
- Healthcare providers registered here: 160 across 25 fields2
- Median household income: $137,8473
- Largest provider field: Physical, occupational, and speech therapy: 46 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
Edgewater clinicians, by field
105.8 providers per 10,000 residents is what 160 enumerations across 25 fields works out to in a town of 15,116
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| Physical, occupational, and speech therapy | 46 | 30.4 | NPPES [2] |
| General dentistry | 16 | 10.6 | NPPES [2] |
| Chiropractic | 15 | 9.9 | NPPES [2] |
| Primary care and family medicine | 14 | 9.3 | NPPES [2] |
| Optometry and ophthalmology | 12 | 7.9 | NPPES [2] |
| DME and HME suppliers | 9 | 6.0 | NPPES [2] |
| Specialty physician groups | 7 | 4.6 | NPPES [2] |
| Dental specialties | 6 | 4.0 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 5 | 3.3 | NPPES [2] |
| Independent pharmacy | 4 | 2.6 | NPPES [2] |
| Hormone, TRT, and men's health clinics | 4 | 2.6 | NPPES [2] |
| Podiatry | 2 | 1.3 | NPPES [2] |
| Imaging centers | 2 | 1.3 | NPPES [2] |
| Pain management and interventional | 2 | 1.3 | NPPES [2] |
| Non-medical home care | 2 | 1.3 | NPPES [2] |
| ABA and autism therapy | 2 | 1.3 | NPPES [2] |
| Med spa and aesthetics | 2 | 1.3 | NPPES [2] |
| Telehealth and virtual clinics | 2 | 1.3 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 2 | 1.3 | NPPES [2] |
| Home health | 1 | 0.7 | NPPES [2] |
| Urgent care | 1 | 0.7 | NPPES [2] |
| Mobile diagnostics | 1 | 0.7 | NPPES [2] |
| NEMT and ambulance | 1 | 0.7 | NPPES [2] |
| Behavioral and mental health group practices | 1 | 0.7 | NPPES [2] |
| Clinical and toxicology labs | 1 | 0.7 | NPPES [2] |
| Medical equipment suppliers | 4 | CMS [5] |
Physical, occupational, and speech therapy carries 46 of the 160 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
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
| 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] |
What the two tables above change about a file
A file from here opens on 105.8 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. Household income of $137,847 in Edgewater 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
- Working capital term loan
- Equipment financing and leasing
- Expansion, relocation, and build-out
The 25 fields practicing locally set this order. A funding partner, not this list, decides what is available in New Jersey.
Underwriting by field in Edgewater
physical, occupational, and speech therapy, general dentistry, chiropractic account for most of what is enumerated in Edgewater, 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 (46) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| General dentistry (16) | Three years of collections history, Hygiene as a share of collections, Overhead ratio and owner add-backs | Acquisition of an established practice |
| Chiropractic (15) | Cash plan revenue, Personal injury receivable age, Visit volume | Startup or acquisition |
NPPES supplies the Edgewater counts. The reading columns describe the field in general, and no partner reviewing a Edgewater file is bound by them.
Edgewater against nearby New Jersey markets
Density is the number that moves an appraisal: 105.8 per 10,000 here
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Edgewater (current) | 15,116 | 160 | 105.8 | |
| Cliffside Park | 26,183 | 172 | 65.7 | 1 |
| Fort Lee | 40,566 | 454 | 111.9 | 2 |
| Palisades Park | 20,520 | 126 | 61.4 | 2 |
| Ridgefield | 11,666 | 92 | 78.9 | 2 |
| Fairview | 15,606 | 38 | 24.3 | 2 |
| West New York | 52,975 | 256 | 48.3 | 3 |
How Edgewater 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 15,116 residents set the ceiling on collections. Median household income runs $137,847, which is the number a funder converts into case acceptance on anything elective or cash-pay. With no hospital in town, a projection has to name where referrals and coverage come from.
Other New Jersey markets
- Cliffside Park 26,183 residents
- Fort Lee 40,566 residents
- Palisades Park 20,520 residents
- Ridgefield 11,666 residents
- Fairview 15,606 residents
- West New York 52,975 residents
What owners in Edgewater ask
01How many providers practice in Edgewater, and in what?
NPPES lists 160 providers at a Edgewater practice address, 105.8 per 10,000 residents across 25 tracked fields. Physical, occupational, and speech therapy accounts for 46 of them, 29 percent of the total, with general dentistry next at 16. Read that as clinicians: 160 enumerations, not 160 owners.
02What does SBA lending look like around Edgewater?
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 Edgewater reaches for first.
03Is Edgewater underwritten as part of New York-Newark-Jersey City, NY-NJ?
Partly. New York-Newark-Jersey City, NY-NJ is 11 miles out, so rent and equipment comparables travel in from there while patients still come from the 15,116 residents around Edgewater. Cost side metro, revenue side local.
04What does a $137,847 median income mean for case acceptance?
Median household income in Edgewater runs $137,847. 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 Edgewater 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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