New Jersey micro-market
Healthcare practice financing in Little Ferry, New Jersey
Direct answer
Bergen County carries 39 SBA healthcare approvals worth $19,343,600, and inside Little Ferry the census shows 39 enumerated clinicians against 11,137 residents, 35.0 per 10,000, 44 percent of them in physical, occupational, and speech therapy. New York-Newark-Jersey City, NY-NJ lies 14 miles away.
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: 11,137 residents (10K-25K band)1
- Healthcare providers registered here: 39 across 13 fields2
- Median household income: $79,4763
- Largest provider field: Physical, occupational, and speech therapy: 17 registered providers2
- Nearest metro: New York-Newark-Jersey City, NY-NJ, 14 miles1
- SBA healthcare approvals in the county: 39 approvals totaling $19,343,6004
The clinical base a lender can verify here
35.0 providers per 10,000 residents is what 39 enumerations across 13 fields works out to in a town of 11,137
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Physical, occupational, and speech therapy | 17 | 15.3 | NPPES [2] |
| ABA and autism therapy | 6 | 5.4 | NPPES [2] |
| Chiropractic | 4 | 3.6 | NPPES [2] |
| Non-medical home care | 2 | 1.8 | NPPES [2] |
| Med spa and aesthetics | 2 | 1.8 | NPPES [2] |
| Podiatry | 1 | 0.9 | NPPES [2] |
| DME and HME suppliers | 1 | 0.9 | NPPES [2] |
| Home health | 1 | 0.9 | NPPES [2] |
| Primary care and family medicine | 1 | 0.9 | NPPES [2] |
| General dentistry | 1 | 0.9 | NPPES [2] |
| Independent pharmacy | 1 | 0.9 | NPPES [2] |
| Optometry and ophthalmology | 1 | 0.9 | NPPES [2] |
| Behavioral and mental health group practices | 1 | 0.9 | NPPES [2] |
| Medical equipment suppliers | 3 | CMS [5] |
A single Little Ferry practice can hold more than one of these numbers. 44 percent sit in physical, occupational, and speech therapy, counted as clinicians rather than as owners.
Bergen County approvals, dollars, and lending establishments
Lenders in Bergen County have already closed 39 healthcare approvals, averaging $495,990, which is the size a new file gets read beside
| Line | Amount | Reading and source |
|---|---|---|
| SBA healthcare approvals | 39 | One published fiscal year, healthcare borrowers only [4] |
| Approved dollars | $19,343,600 | Approved, not disbursed, and not net of withdrawals [4] |
| Average approval | $495,990 | A mean, so one large approval moves it [4] |
| Lending establishments in the county | 598 | Credit intermediation offices sited in the county [6] |
How this data lands in an underwriting decision
Density of 35.0 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. A $79,476 median household income here sets the ceiling on what an elective or cash-pay line can be expected to carry.
Programs the Little Ferry mix reaches for
- Practice acquisition
- Startup and de novo
- Working capital term loan
- Equipment financing and leasing
- Medical receivables factoring
The order comes from Little Ferry's own provider mix, which physical, occupational, and speech therapy dominates at 44 percent. What a partner can actually place in New Jersey is a separate question.
The first pages of a Little Ferry file
What a funder opens first depends on the field. In Little Ferry that means physical, occupational, and speech therapy, aba and autism therapy, chiropractic.
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| Physical, occupational, and speech therapy (17) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| ABA and autism therapy (6) | Authorized hours against delivered hours, Payer mix stability, Billing compliance history | Working capital against authorization and billing lag |
| Chiropractic (4) | Cash plan revenue, Personal injury receivable age, Visit volume | Startup or acquisition |
Counts in the first column are Little Ferry providers from NPPES. The other two columns describe how funders read that field across markets like Little Ferry, not what any funder will do with your file.
Density beside the neighboring New Jersey towns
The neighboring markets below are the ones a valuation borrows from when Little Ferry has too few sales of its own
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Little Ferry (current) | 11,137 | 39 | 35.0 | |
| Ridgefield | 11,666 | 92 | 78.9 | 1 |
| Ridgefield Park | 13,400 | 53 | 39.6 | 1 |
| Fairview | 15,606 | 38 | 24.3 | 2 |
| Palisades Park | 20,520 | 126 | 61.4 | 2 |
| Cliffside Park | 26,183 | 172 | 65.7 | 3 |
| East Rutherford | 10,624 | 79 | 74.4 | 3 |
How Little Ferry sits against the nearest metro
Distance to New York-Newark-Jersey City, NY-NJ is 14 miles. Appraisers borrow New York-Newark-Jersey City, NY-NJ rents, and the 11,137 residents set the ceiling on collections. Households here carry $79,476 in median income, and that ceiling decides how much of a treatment plan gets started rather than deferred. Referral flow comes from outside Little Ferry, which a projection needs to state plainly.
More of New Jersey
- Ridgefield 11,666 residents
- Ridgefield Park 13,400 residents
- Fairview 15,606 residents
- Palisades Park 20,520 residents
- Cliffside Park 26,183 residents
- East Rutherford 10,624 residents
Questions from Little Ferry
01How many providers practice in Little Ferry, and in what?
Across 13 fields, Little Ferry carries 39 enumerated clinicians, 35.0 per 10,000 of the 11,137 people living here. The concentration is in physical, occupational, and speech therapy, 17 of the total, then aba and autism therapy at 6. Count practices from that only with care.
02What does SBA lending look like around Little Ferry?
$19,343,600 went to healthcare borrowers in Bergen County across 39 approvals, $495,990 on average. Deals near Little Ferry get sized against that record before anything else.
03Is Little Ferry underwritten as part of New York-Newark-Jersey City, NY-NJ?
New York-Newark-Jersey City, NY-NJ sits 14 miles away, close enough that appraisers reach into that market for rent and resale comparables while your patient draw stays local. The comparables read New York-Newark-Jersey City, NY-NJ; the 11,137 residents set the ceiling a projection can defend.
04Is 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 Little Ferry rents and resale before or by somebody working from a screen.
05What does the underserved designation in Bergen County support?
Bergen 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.
06There is no hospital here. Does that hurt a loan?
No Medicare-certified hospital operates in Little Ferry, so referral flow and staffing come from Bergen County and from New York-Newark-Jersey City, NY-NJ. Name the referral sources and the call arrangement and it stays a logistics question.
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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