New Jersey micro-market
Healthcare practice financing in Guttenberg, New Jersey
Direct answer
Hudson County carries 16 SBA healthcare approvals worth $5,516,900, and inside Guttenberg the census shows 32 enumerated clinicians against 11,945 residents, 26.8 per 10,000, 25 percent of them in general dentistry. New York-Newark-Jersey City, NY-NJ lies 10 miles away.
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- Population: 11,945 residents (10K-25K band)1
- Healthcare providers registered here: 32 across 14 fields2
- Median household income: $77,6363
- Largest provider field: General dentistry: 8 registered providers2
- Nearest metro: New York-Newark-Jersey City, NY-NJ, 10 miles1
- SBA healthcare approvals in the county: 16 approvals totaling $5,516,9004
Who is enumerated in Guttenberg
The NPPES file puts 32 enumerated clinicians inside Guttenberg, spread over 14 fields at 26.8 per 10,000 residents
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| General dentistry | 8 | 6.7 | NPPES [2] |
| Independent pharmacy | 4 | 3.3 | NPPES [2] |
| Physical, occupational, and speech therapy | 4 | 3.3 | NPPES [2] |
| Chiropractic | 3 | 2.5 | NPPES [2] |
| Primary care and family medicine | 3 | 2.5 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 2 | 1.7 | NPPES [2] |
| Podiatry | 1 | 0.8 | NPPES [2] |
| ABA and autism therapy | 1 | 0.8 | NPPES [2] |
| Med spa and aesthetics | 1 | 0.8 | NPPES [2] |
| Specialty physician groups | 1 | 0.8 | NPPES [2] |
| Optometry and ophthalmology | 1 | 0.8 | NPPES [2] |
| Behavioral and mental health group practices | 1 | 0.8 | NPPES [2] |
| Clinical and toxicology labs | 1 | 0.8 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 1 | 0.8 | NPPES [2] |
| Medical equipment suppliers | 2 | CMS [5] |
Several of the 8 general dentistry enumerations can belong to one practice, so the column counts clinicians rather than businesses or owners
What Hudson County credit files already show
16 healthcare approvals averaging $344,806 set the deal shape lenders in Hudson County have already underwritten
| Measure | Published figure | What sits behind it |
|---|---|---|
| Approvals on record | 16 | Fiscal year published in the SBA file [4] |
| Total approved capital | $5,516,900 | Sum of approvals to healthcare borrowers [4] |
| Mean deal size | $344,806 | Dollars divided by approvals [4] |
| Lenders sited in the county | 294 | Credit intermediation establishments, NAICS 522 [6] |
What the two tables above change about a file
Density of 26.8 per 10,000 sets the patient draw a projection can claim without an argument. Because Hudson County already carries $5,516,900 across 16 healthcare approvals, a request near that average moves faster than one well above it. With $77,636 as the median household income, the payer mix in a projection has to match what Guttenberg households actually spend.
The programs this provider mix points at
- Practice acquisition
- Startup and de novo
- Expansion, relocation, and build-out
- Equipment financing and leasing
- SBA 7(a) and 504
Built from what is enumerated here rather than from a national list, so a field with no presence in Guttenberg does not appear. Availability is still a New Jersey question.
What a funder reads first in Guttenberg
general dentistry, independent pharmacy, physical, occupational, and speech therapy account for most of what is enumerated in Guttenberg, so those are the files funders see from this town
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| General dentistry (8) | Three years of collections history, Hygiene as a share of collections, Overhead ratio and owner add-backs | Acquisition of an established practice |
| Independent pharmacy (4) | Script count and file retention, Gross margin after direct and indirect remuneration, Wholesaler terms against reimbursement timing | Acquisition of the business or the prescription files |
| Physical, occupational, and speech therapy (4) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
The first column is Guttenberg's own NPPES count. The rest is how the field is generally underwritten, whether the address is Guttenberg or anywhere else.
Density beside the neighboring New Jersey towns
Comparables travel. These are the New Jersey towns whose density, at 26.8 per 10,000 here, gets weighed beside this one.
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Guttenberg (current) | 11,945 | 32 | 26.8 | |
| West New York | 52,975 | 256 | 48.3 | 1 |
| Cliffside Park | 26,183 | 172 | 65.7 | 2 |
| Fairview | 15,606 | 38 | 24.3 | 2 |
| Union | 66,918 | 629 | 94.0 | 2 |
| Edgewater | 15,116 | 160 | 105.8 | 3 |
| Hoboken | 59,149 | 521 | 88.1 | 3 |
How Guttenberg sits against the nearest metro
10 miles separate Guttenberg from New York-Newark-Jersey City, NY-NJ. Lease pricing follows New York-Newark-Jersey City, NY-NJ, while revenue stays capped by the 11,945 residents here. At $77,636 median household income, the elective and cash-pay share of a projection is the line that gets tested first. Referral flow comes from outside Guttenberg, which a projection needs to state plainly.
Other New Jersey markets
- West New York 52,975 residents
- Cliffside Park 26,183 residents
- Fairview 15,606 residents
- Union 66,918 residents
- Edgewater 15,116 residents
- Hoboken 59,149 residents
Questions from Guttenberg
01How many providers practice in Guttenberg, and in what?
NPPES lists 32 providers at a Guttenberg practice address, 26.8 per 10,000 residents across 14 tracked fields. General dentistry accounts for 8 of them, 25 percent of the total, with independent pharmacy next at 4. Read that as clinicians: 32 enumerations, not 32 owners.
02What does Hudson County's shortage designation change?
Designated for primary care, dental, mental health, Hudson County qualifies its clinicians for federal repayment support. On a file that turns on adding staff, that is the difference between a hiring assumption and a hiring plan.
03Is Guttenberg underwritten as part of New York-Newark-Jersey City, NY-NJ?
Comparables and demand split at 10 miles. An appraiser prices the lease and the equipment off New York-Newark-Jersey City, NY-NJ; the revenue line has to hold up against 11,945 local residents.
04What does SBA lending look like around Guttenberg?
Healthcare borrowers in Hudson County took 16 approvals worth $5,516,900 in the published fiscal year, averaging $344,806. That is the comparable set an appraiser near Guttenberg reaches for first.
05Which fields carry the volume in Guttenberg?
General dentistry at 8 providers and independent pharmacy at 4 lead the 14 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.
06Is there local lending capacity in Hudson County?
County Business Patterns records 294 credit intermediation establishments in Hudson County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Guttenberg 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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