New Jersey micro-market
Healthcare practice financing in Glen Rock, New Jersey
Direct answer
12,346 residents, 159 enumerated clinicians, 128.8 per 10,000, 43 percent of them in physical, occupational, and speech therapy: that is the Glen Rock market a funder prices. Bergen County adds 39 healthcare approvals worth $19,343,600 and 23 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: 12,346 residents (10K-25K band)1
- Healthcare providers registered here: 159 across 22 fields2
- Median household income: $210,3693
- Largest provider field: Physical, occupational, and speech therapy: 69 registered providers2
- Nearest metro: New York-Newark-Jersey City, NY-NJ, 23 miles1
- SBA healthcare approvals in the county: 39 approvals totaling $19,343,6004
Fields practicing inside Glen Rock
The NPPES file puts 159 enumerated clinicians inside Glen Rock, spread over 22 fields at 128.8 per 10,000 residents
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Physical, occupational, and speech therapy | 69 | 55.9 | NPPES [2] |
| Chiropractic | 18 | 14.6 | NPPES [2] |
| General dentistry | 10 | 8.1 | NPPES [2] |
| Dental specialties | 9 | 7.3 | NPPES [2] |
| Optometry and ophthalmology | 9 | 7.3 | NPPES [2] |
| DME and HME suppliers | 7 | 5.7 | NPPES [2] |
| Specialty physician groups | 5 | 4.0 | NPPES [2] |
| Behavioral and mental health group practices | 5 | 4.0 | NPPES [2] |
| Dermatology | 4 | 3.2 | NPPES [2] |
| Independent pharmacy | 4 | 3.2 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 3 | 2.4 | NPPES [2] |
| Occupational health and drug testing | 3 | 2.4 | NPPES [2] |
| Home health | 2 | 1.6 | NPPES [2] |
| Primary care and family medicine | 2 | 1.6 | NPPES [2] |
| ABA and autism therapy | 2 | 1.6 | NPPES [2] |
| Podiatry | 1 | 0.8 | NPPES [2] |
| ASCs and OBLs | 1 | 0.8 | NPPES [2] |
| NEMT and ambulance | 1 | 0.8 | NPPES [2] |
| Non-medical home care | 1 | 0.8 | NPPES [2] |
| Med spa and aesthetics | 1 | 0.8 | NPPES [2] |
| Clinical research sites | 1 | 0.8 | NPPES [2] |
| Telehealth and virtual clinics | 1 | 0.8 | NPPES [2] |
| Medical equipment suppliers | 3 | CMS [5] |
Several of the 69 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 Glen Rock
39 healthcare approvals averaging $495,990 set the deal shape lenders in Bergen County have already underwritten
| Measure | Published figure | What sits behind it |
|---|---|---|
| Approvals on record | 39 | Fiscal year published in the SBA file [4] |
| Total approved capital | $19,343,600 | Sum of approvals to healthcare borrowers [4] |
| Mean deal size | $495,990 | Dollars divided by approvals [4] |
| Lenders sited in the county | 598 | Credit intermediation establishments, NAICS 522 [6] |
How this data lands in an underwriting decision
Density of 128.8 per 10,000 sets the patient draw a projection can claim without an argument. Because Bergen County already carries $19,343,600 across 39 healthcare approvals, a request near that average moves faster than one well above it. With $210,369 as the median household income, the payer mix in a projection has to match what Glen Rock households actually spend.
The programs this provider mix points at
- Practice acquisition
- Startup and de novo
- Working capital term loan
- Equipment financing and leasing
- Medical receivables factoring
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.
The first pages of a Glen Rock file
What a funder opens first depends on the field. In Glen Rock that means physical, occupational, and speech therapy, chiropractic, general dentistry.
| Field | What the file turns on | The capital event behind most requests |
|---|---|---|
| Physical, occupational, and speech therapy (69) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Chiropractic (18) | Cash plan revenue, Personal injury receivable age, Visit volume | Startup or acquisition |
| General dentistry (10) | Three years of collections history, Hygiene as a share of collections, Overhead ratio and owner add-backs | Acquisition of an established practice |
The first column is Glen Rock's own NPPES count. The rest is how the field is generally underwritten, whether the address is Glen Rock or anywhere else.
How Glen Rock prices against its neighbors
The neighboring markets below are the ones a valuation borrows from when Glen Rock has too few sales of its own
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Glen Rock (current) | 12,346 | 159 | 128.8 | |
| Fair Lawn | 36,489 | 629 | 172.4 | 2 |
| Hawthorne | 20,006 | 129 | 64.5 | 2 |
| Ridgewood | 26,701 | 359 | 134.5 | 2 |
| Paramus | 26,786 | 813 | 303.5 | 3 |
| Elmwood Park | 21,680 | 124 | 57.2 | 4 |
| Waldwick | 10,308 | 105 | 101.9 | 4 |
What the geography does to a Glen Rock projection
23 miles separate Glen Rock from New York-Newark-Jersey City, NY-NJ. Lease pricing follows New York-Newark-Jersey City, NY-NJ, while revenue stays capped by the 12,346 residents here. At $210,369 median household income, the elective and cash-pay share of a projection is the line that gets tested first. Referral flow comes from outside Glen Rock, which a projection needs to state plainly.
Nearby New Jersey towns
Questions from Glen Rock
01How many providers practice in Glen Rock, and in what?
Across 22 fields, Glen Rock carries 159 enumerated clinicians, 128.8 per 10,000 of the 12,346 people living here. The concentration is in physical, occupational, and speech therapy, 69 of the total, then chiropractic at 18. Count practices from that only with care.
02What does SBA lending look like around Glen Rock?
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 Glen Rock reaches for first.
03What does a $210,369 median income mean for case acceptance?
Median household income in Glen Rock runs $210,369. 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.
04Which fields carry the volume in Glen Rock?
Physical, occupational, and speech therapy at 69 providers and chiropractic at 18 lead the 22 fields enumerated here. A funder reads that mix as the local competition set and the local hiring pool at once, before it reads a single line of your own numbers.
05Is Glen Rock underwritten as part of New York-Newark-Jersey City, NY-NJ?
Partly. New York-Newark-Jersey City, NY-NJ is 23 miles out, so rent and equipment comparables travel in from there while patients still come from the 12,346 residents around Glen Rock. Cost side metro, revenue side local.
06Is 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 Glen Rock rents and resale before or by somebody working from a screen.
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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