New Jersey micro-market
Healthcare practice financing in Harrison, New Jersey
Direct answer
44 healthcare providers hold a Harrison practice address, 19.8 per 10,000 of its 22,182 residents, 27 percent of them in physical, occupational, and speech therapy. Hudson County recorded 16 SBA healthcare approvals worth $5,516,900, and New York-Newark-Jersey City, NY-NJ sits 13 miles out.
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- Population: 22,182 residents (10K-25K band)1
- Healthcare providers registered here: 44 across 11 fields2
- Median household income: $82,2903
- Largest provider field: Physical, occupational, and speech therapy: 12 registered providers2
- Medicare-certified providers in town: 2 across 2 categories4
- Nearest metro: New York-Newark-Jersey City, NY-NJ, 13 miles1
What NPPES records at Harrison addresses
The NPPES file puts 44 enumerated clinicians inside Harrison, spread over 11 fields at 19.8 per 10,000 residents
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Physical, occupational, and speech therapy | 12 | 5.4 | NPPES [2] |
| General dentistry | 8 | 3.6 | NPPES [2] |
| DME and HME suppliers | 7 | 3.2 | NPPES [2] |
| Chiropractic | 5 | 2.3 | NPPES [2] |
| Specialty physician groups | 5 | 2.3 | NPPES [2] |
| Independent pharmacy | 2 | 0.9 | NPPES [2] |
| ASCs and OBLs | 1 | 0.5 | NPPES [2] |
| Non-medical home care | 1 | 0.5 | NPPES [2] |
| Med spa and aesthetics | 1 | 0.5 | NPPES [2] |
| Behavioral and mental health group practices | 1 | 0.5 | NPPES [2] |
| Dialysis and infusion centers | 1 | 0.5 | NPPES [2] |
| Medical equipment suppliers | 2 | CMS [4] | |
| Ambulatory surgical centers | 1 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] |
A single Harrison practice can hold more than one of these numbers. 27 percent sit in physical, occupational, and speech therapy, counted as clinicians rather than as owners.
What lenders have already approved in Hudson County
Lenders in Hudson County have already closed 16 healthcare approvals, averaging $344,806, which is the size a new file gets read beside
| Line | Amount | Reading and source |
|---|---|---|
| Approvals on record | 16 | Fiscal year published in the SBA file [5] |
| Total approved capital | $5,516,900 | Sum of approvals to healthcare borrowers [5] |
| Mean deal size | $344,806 | Dollars divided by approvals [5] |
| Lenders sited in the county | 294 | Credit intermediation establishments, NAICS 522 [6] |
What the two tables above change about a file
The ratio that matters up front is 19.8 per 10,000, which decides whether a ramp schedule reads as conservative. A request measured against 16 prior Hudson County approvals is priced on precedent, which shortens the questions about valuation. With $82,290 as the median household income, the payer mix in a projection has to match what Harrison households actually spend.
Programs the Harrison mix reaches for
- Practice acquisition
- Startup and de novo
- Equipment financing and leasing
- Expansion, relocation, and build-out
- Working capital term loan
Weighted by how often each of the 11 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 Harrison file
physical, occupational, and speech therapy, general dentistry, dme and hme suppliers account for most of what is enumerated in Harrison, 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 (12) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| 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 |
| DME and HME suppliers (7) | Accreditation and surety bond status, Rental versus sale revenue split, Denial rate and documentation quality | Inventory and rental fleet |
The first column is Harrison's own NPPES count. The rest is how the field is generally underwritten, whether the address is Harrison or anywhere else.
Density beside the neighboring New Jersey towns
Set Harrison's 19.8 per 10,000 against the towns an appraiser would reach for next
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Harrison (current) | 22,182 | 44 | 19.8 | |
| Kearny | 40,866 | 206 | 50.4 | 2 |
| North Arlington | 16,694 | 70 | 41.9 | 3 |
| East Orange | 71,850 | 514 | 71.5 | 3 |
| Secaucus | 22,710 | 196 | 86.3 | 5 |
| Bayonne | 74,532 | 544 | 73.0 | 6 |
| Rutherford | 19,214 | 189 | 98.4 | 6 |
What the geography does to a Harrison projection
13 miles separate Harrison from New York-Newark-Jersey City, NY-NJ. Lease pricing follows New York-Newark-Jersey City, NY-NJ, while revenue stays capped by the 22,182 residents here. Median household income runs $82,290, which is the number a funder converts into case acceptance on anything elective or cash-pay. Referral flow comes from outside Harrison, which a projection needs to state plainly.
Other New Jersey markets
- Kearny 40,866 residents
- North Arlington 16,694 residents
- East Orange 71,850 residents
- Secaucus 22,710 residents
- Bayonne 74,532 residents
- Rutherford 19,214 residents
Harrison owners, answered
01How many providers practice in Harrison, and in what?
NPPES lists 44 providers at a Harrison practice address, 19.8 per 10,000 residents across 11 tracked fields. Physical, occupational, and speech therapy accounts for 12 of them, 27 percent of the total, with general dentistry next at 8. Read that as clinicians: 44 enumerations, not 44 owners.
02What does Hudson County's shortage designation change?
Hudson County holds a HRSA designation covering primary care, dental, mental health. A pro forma for Harrison can cite it as the reason a vacancy is fillable, which is usually the weakest line in a ramp schedule.
03Is Harrison underwritten as part of New York-Newark-Jersey City, NY-NJ?
Partly. New York-Newark-Jersey City, NY-NJ is 13 miles out, so rent and equipment comparables travel in from there while patients still come from the 22,182 residents around Harrison. Cost side metro, revenue side local.
04Which fields carry the volume in Harrison?
Volume concentrates in physical, occupational, and speech therapy, 12 of them, ahead of general dentistry at 8, across 11 fields. A thin second field usually means a longer search for staff than a pro forma allows for.
05What does SBA lending look like around Harrison?
The county file behind Harrison holds 16 healthcare approvals totaling $5,516,900, an average of $344,806. Those are the loan sizes lenders in Hudson County have already carried.
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 Harrison 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
- 4CMS Care Compare provider datasets
- 5U.S. Small Business Administration, 7(a) and 504 approvals
- 6U.S. Census Bureau, County Business Patterns 2022
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