New Jersey micro-market
Healthcare practice financing in Hopatcong, New Jersey
Direct answer
25 healthcare providers hold a Hopatcong practice address, 16.9 per 10,000 of its 14,750 residents, 36 percent of them in aba and autism therapy. Sussex County recorded 3 SBA healthcare approvals worth $897,000, and Kiryas Joel-Poughkeepsie-Newburgh, NY sits 37 miles out.
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: 14,750 residents (10K-25K band)1
- Healthcare providers registered here: 25 across 11 fields2
- Median household income: $114,0573
- Largest provider field: ABA and autism therapy: 9 registered providers2
- Nearest metro: Kiryas Joel-Poughkeepsie-Newburgh, NY, 37 miles1
- SBA healthcare approvals in the county: 3 approvals totaling $897,0004
What NPPES records at Hopatcong addresses
Counted at the town's own addresses: 25 providers, 11 fields, 16.9 clinicians per 10,000 of the 14,750 residents here
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| ABA and autism therapy | 9 | 6.1 | NPPES [2] |
| Physical, occupational, and speech therapy | 4 | 2.7 | NPPES [2] |
| DME and HME suppliers | 2 | 1.4 | NPPES [2] |
| Specialty physician groups | 2 | 1.4 | NPPES [2] |
| Behavioral and mental health group practices | 2 | 1.4 | NPPES [2] |
| Dermatology | 1 | 0.7 | NPPES [2] |
| Primary care and family medicine | 1 | 0.7 | NPPES [2] |
| General dentistry | 1 | 0.7 | NPPES [2] |
| NEMT and ambulance | 1 | 0.7 | NPPES [2] |
| Independent pharmacy | 1 | 0.7 | NPPES [2] |
| Non-medical home care | 1 | 0.7 | NPPES [2] |
| Medical equipment suppliers | 1 | CMS [5] |
ABA and autism therapy carries 9 of the 25 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
The lending record behind Hopatcong
The county file holds 3 healthcare approvals, which is a thin comparable set for anyone pricing collateral
| What it measures | Value | How to read it |
|---|---|---|
| Approvals on record | 3 | Fiscal year published in the SBA file [4] |
| Total approved capital | $897,000 | Sum of approvals to healthcare borrowers [4] |
| Mean deal size | $299,000 | Dollars divided by approvals [4] |
| Lenders sited in the county | 46 | Credit intermediation establishments, NAICS 522 [6] |
Reading Hopatcong the way a credit committee does
Underwriting starts with 16.9 providers per 10,000 residents, because that ratio caps how fast a chair or a room fills. Sussex County has 3 approvals to compare against, so plan for extra appraisal time and a conservative valuation. Household income of $114,057 in Hopatcong 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
- Working capital term loan
- Practice acquisition
- Expansion, relocation, and build-out
- Equipment financing and leasing
- Startup and de novo
Built from what is enumerated here rather than from a national list, so a field with no presence in Hopatcong does not appear. Availability is still a New Jersey question.
Underwriting by field in Hopatcong
What a funder opens first depends on the field. In Hopatcong that means aba and autism therapy, physical, occupational, and speech therapy, dme and hme suppliers.
| Practice type | The pages that decide it | Typical capital event |
|---|---|---|
| ABA and autism therapy (9) | Authorized hours against delivered hours, Payer mix stability, Billing compliance history | Working capital against authorization and billing lag |
| Physical, occupational, and speech therapy (4) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| DME and HME suppliers (2) | Accreditation and surety bond status, Rental versus sale revenue split, Denial rate and documentation quality | Inventory and rental fleet |
The first column is Hopatcong's own NPPES count. The rest is how the field is generally underwritten, whether the address is Hopatcong or anywhere else.
Hopatcong against nearby New Jersey markets
The neighboring markets below are the ones a valuation borrows from when Hopatcong has too few sales of its own
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Hopatcong (current) | 14,750 | 25 | 16.9 | |
| Dover | 18,909 | 145 | 76.7 | 7 |
| Hackettstown | 10,182 | 304 | 298.6 | 11 |
| Morristown | 20,732 | 845 | 407.6 | 14 |
| Kinnelon | 10,108 | 77 | 76.2 | 15 |
| Florham Park | 14,533 | 286 | 196.8 | 18 |
| Madison | 16,555 | 139 | 84.0 | 18 |
What the geography does to a Hopatcong projection
37 miles separate Hopatcong from Kiryas Joel-Poughkeepsie-Newburgh, NY. Rent comparables cross that gap; patients mostly do not. At $114,057 median household income, the elective and cash-pay share of a projection is the line that gets tested first. With no hospital in town, a projection has to name where referrals and coverage come from.
Other New Jersey markets
- Dover 18,909 residents
- Hackettstown 10,182 residents
- Morristown 20,732 residents
- Kinnelon 10,108 residents
- Florham Park 14,533 residents
- Madison 16,555 residents
What owners in Hopatcong ask
01How many providers practice in Hopatcong, and in what?
NPPES lists 25 providers at a Hopatcong practice address, 16.9 per 10,000 residents across 11 tracked fields. ABA and autism therapy accounts for 9 of them, 36 percent of the total, with physical, occupational, and speech therapy next at 4. Read that as clinicians: 25 enumerations, not 25 owners.
02Why does Sussex County show so little SBA activity?
Only 3 healthcare approvals appear for Sussex County in the published 7(a) and 504 file. Thin volume in Sussex County is a transaction count, not a verdict on borrowers here. The county still holds 46 credit intermediation establishments.
03What does Sussex County's shortage designation change?
HRSA designates Sussex County for primary care, mental health. That opens loan repayment programs for clinicians recruited into Hopatcong and evidences a staffing ramp in a 14,750 resident market.
04Is Hopatcong underwritten as part of Kiryas Joel-Poughkeepsie-Newburgh, NY?
Partly. Kiryas Joel-Poughkeepsie-Newburgh, NY is 37 miles out, so rent and equipment comparables travel in from there while patients still come from the 14,750 residents around Hopatcong. Cost side metro, revenue side local.
05What does a $114,057 median income mean for case acceptance?
Median household income in Hopatcong runs $114,057. 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.
06Is there local lending capacity in Sussex County?
County Business Patterns records 46 credit intermediation establishments in Sussex County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Hopatcong 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
Our team reviews every request within 1 business day. If a funding partner thinks they can help, a specialist from that partner contacts you to discuss next steps.