New Jersey micro-market
Healthcare practice financing in Kearny, New Jersey
Direct answer
206 healthcare providers hold a Kearny practice address, 50.4 per 10,000 of its 40,866 residents, 12 percent of them in aba and autism therapy. Hudson County recorded 16 SBA healthcare approvals worth $5,516,900, and New York-Newark-Jersey City, NY-NJ sits 12 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: 40,866 residents (25K-50K band)1
- Healthcare providers registered here: 206 across 25 fields2
- Median household income: $83,2123
- Largest provider field: ABA and autism therapy: 25 registered providers2
- Nearest metro: New York-Newark-Jersey City, NY-NJ, 12 miles1
- SBA healthcare approvals in the county: 16 approvals totaling $5,516,9004
Fields practicing inside Kearny
The NPPES file puts 206 enumerated clinicians inside Kearny, spread over 25 fields at 50.4 per 10,000 residents
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| ABA and autism therapy | 25 | 6.1 | NPPES [2] |
| General dentistry | 23 | 5.6 | NPPES [2] |
| Specialty physician groups | 22 | 5.4 | NPPES [2] |
| Physical, occupational, and speech therapy | 22 | 5.4 | NPPES [2] |
| Optometry and ophthalmology | 19 | 4.6 | NPPES [2] |
| DME and HME suppliers | 14 | 3.4 | NPPES [2] |
| Chiropractic | 13 | 3.2 | NPPES [2] |
| Home health | 8 | 2.0 | NPPES [2] |
| Dental specialties | 8 | 2.0 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 8 | 2.0 | NPPES [2] |
| Independent pharmacy | 7 | 1.7 | NPPES [2] |
| SUD treatment and residential | 6 | 1.5 | NPPES [2] |
| Med spa and aesthetics | 6 | 1.5 | NPPES [2] |
| Primary care and family medicine | 5 | 1.2 | NPPES [2] |
| Clinical and toxicology labs | 3 | 0.7 | NPPES [2] |
| Occupational health and drug testing | 3 | 0.7 | NPPES [2] |
| Dermatology | 2 | 0.5 | NPPES [2] |
| NEMT and ambulance | 2 | 0.5 | NPPES [2] |
| Non-medical home care | 2 | 0.5 | NPPES [2] |
| Behavioral and mental health group practices | 2 | 0.5 | NPPES [2] |
| Telehealth and virtual clinics | 2 | 0.5 | NPPES [2] |
| Podiatry | 1 | 0.2 | NPPES [2] |
| Urgent care | 1 | 0.2 | NPPES [2] |
| Imaging centers | 1 | 0.2 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 1 | 0.2 | NPPES [2] |
| Medical equipment suppliers | 5 | CMS [5] |
A single Kearny practice can hold more than one of these numbers. 12 percent sit in aba and autism therapy, counted as clinicians rather than as owners.
Loan activity in Hudson County
The published file shows 16 healthcare approvals in Hudson County, $5,516,900 in total, and that history is what an appraiser and a credit committee reach for
| Line | Amount | Reading and source |
|---|---|---|
| Approvals on record | 16 | Counted for the fiscal year the SBA publishes [4] |
| Total approved capital | $5,516,900 | Everything approved to healthcare borrowers, added up [4] |
| Mean deal size | $344,806 | The dollar column over the approval column [4] |
| Lenders sited in the county | 294 | Places that write credit locally, NAICS 522 [6] |
What the two tables above change about a file
At 50.4 clinicians per 10,000 residents, the catchment radius in a projection has to be defended rather than assumed. A request measured against 16 prior Hudson County approvals is priced on precedent, which shortens the questions about valuation. With $83,212 as the median household income, the payer mix in a projection has to match what Kearny households actually spend.
Programs the Kearny mix reaches for
- Practice acquisition
- Startup and de novo
- Equipment financing and leasing
- Expansion, relocation, and build-out
- Working capital term loan
The order comes from Kearny's own provider mix, which aba and autism therapy dominates at 12 percent. What a partner can actually place in New Jersey is a separate question.
The first pages of a Kearny file
What a funder opens first depends on the field. In Kearny that means aba and autism therapy, general dentistry, specialty physician groups.
| Practice type | The pages that decide it | Typical capital event |
|---|---|---|
| ABA and autism therapy (25) | Authorized hours against delivered hours, Payer mix stability, Billing compliance history | Working capital against authorization and billing lag |
| General dentistry (23) | Three years of collections history, Hygiene as a share of collections, Overhead ratio and owner add-backs | Acquisition of an established practice |
| Specialty physician groups (22) | Ancillary revenue contribution, Provider productivity, Payer contracts | Ancillary build-out |
Counts in the first column are Kearny providers from NPPES. The other two columns describe how funders read that field across markets like Kearny, not what any funder will do with your file.
How Kearny prices against its neighbors
Set Kearny's 50.4 per 10,000 against the towns an appraiser would reach for next
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Kearny (current) | 40,866 | 206 | 50.4 | |
| Harrison | 22,182 | 44 | 19.8 | 2 |
| North Arlington | 16,694 | 70 | 41.9 | 2 |
| Secaucus | 22,710 | 196 | 86.3 | 4 |
| East Orange | 71,850 | 514 | 71.5 | 5 |
| East Rutherford | 10,624 | 79 | 74.4 | 5 |
| Hoboken | 59,149 | 521 | 88.1 | 5 |
What the geography does to a Kearny projection
12 miles separate Kearny from New York-Newark-Jersey City, NY-NJ. Lease pricing follows New York-Newark-Jersey City, NY-NJ, while revenue stays capped by the 40,866 residents here. Households here carry $83,212 in median income, and that ceiling decides how much of a treatment plan gets started rather than deferred. With no hospital in town, a projection has to name where referrals and coverage come from.
Nearby New Jersey towns
- Harrison 22,182 residents
- North Arlington 16,694 residents
- Secaucus 22,710 residents
- East Orange 71,850 residents
- East Rutherford 10,624 residents
- Hoboken 59,149 residents
Kearny owners, answered
01How many providers practice in Kearny, and in what?
206 enumerations sit at Kearny addresses in the monthly NPPES file, working out to 50.4 for every 10,000 residents. 12 percent of them are aba and autism therapy, and general dentistry follows with 23. An enumeration is a clinician, so the 206 here cover fewer than 206 practices.
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 Kearny underwritten as part of New York-Newark-Jersey City, NY-NJ?
Partly. New York-Newark-Jersey City, NY-NJ is 12 miles out, so rent and equipment comparables travel in from there while patients still come from the 40,866 residents around Kearny. Cost side metro, revenue side local.
04What does SBA lending look like around Kearny?
The county file behind Kearny 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.
05Is 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 Kearny rents and resale before or by somebody working from a screen.
06What does the underserved designation in Hudson County support?
Hudson 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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