New Jersey micro-market
Healthcare practice financing in Lodi, New Jersey
Direct answer
A Lodi file is read against 113 local clinicians, 42.9 for every 10,000 of its 26,358 residents, 26 percent of them in physical, occupational, and speech therapy, plus the 39 SBA healthcare approvals worth $19,343,600 already recorded in Bergen County, 17 miles from New York-Newark-Jersey City, NY-NJ.
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: 26,358 residents (25K-50K band)1
- Healthcare providers registered here: 113 across 18 fields2
- Median household income: $84,5703
- Largest provider field: Physical, occupational, and speech therapy: 29 registered providers2
- Nearest metro: New York-Newark-Jersey City, NY-NJ, 17 miles1
- Higher education: At least one degree-granting institution is based here4
Lodi clinicians, by field
The NPPES file puts 113 enumerated clinicians inside Lodi, spread over 18 fields at 42.9 per 10,000 residents
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| Physical, occupational, and speech therapy | 29 | 11.0 | NPPES [2] |
| Specialty physician groups | 17 | 6.4 | NPPES [2] |
| Chiropractic | 14 | 5.3 | NPPES [2] |
| General dentistry | 12 | 4.6 | NPPES [2] |
| DME and HME suppliers | 7 | 2.7 | NPPES [2] |
| Med spa and aesthetics | 5 | 1.9 | NPPES [2] |
| NEMT and ambulance | 4 | 1.5 | NPPES [2] |
| Independent pharmacy | 4 | 1.5 | NPPES [2] |
| Podiatry | 3 | 1.1 | NPPES [2] |
| Home health | 3 | 1.1 | NPPES [2] |
| Dental specialties | 3 | 1.1 | NPPES [2] |
| Optometry and ophthalmology | 3 | 1.1 | NPPES [2] |
| Primary care and family medicine | 2 | 0.8 | NPPES [2] |
| ABA and autism therapy | 2 | 0.8 | NPPES [2] |
| Behavioral and mental health group practices | 2 | 0.8 | NPPES [2] |
| Urgent care | 1 | 0.4 | NPPES [2] |
| ASCs and OBLs | 1 | 0.4 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 1 | 0.4 | NPPES [2] |
| Medical equipment suppliers | 4 | CMS [5] |
A single Lodi practice can hold more than one of these numbers. 26 percent sit in physical, occupational, and speech therapy, counted as clinicians rather than as owners.
The lending record behind Lodi
39 healthcare approvals averaging $495,990 set the deal shape lenders in Bergen County have already underwritten
| Line | Amount | Reading and source |
|---|---|---|
| Healthcare files approved | 39 | Counted for the fiscal year the SBA publishes [6] |
| Dollars behind them | $19,343,600 | Everything approved to healthcare borrowers, added up [6] |
| Typical approval size | $495,990 | The dollar column over the approval column [6] |
| Credit offices operating locally | 598 | Places that write credit locally, NAICS 522 [7] |
Reading Lodi the way a credit committee does
A file from here opens on 42.9 providers per 10,000 residents, and everything about volume follows from it. 39 approvals worth $19,343,600 in Bergen County means the size you are asking for has a local precedent to point at. With $84,570 as the median household income, the payer mix in a projection has to match what Lodi households actually spend.
Programs the Lodi mix reaches for
- Practice acquisition
- Startup and de novo
- Equipment financing and leasing
- Expansion, relocation, and build-out
- Working capital term loan
The 18 fields practicing locally set this order. A funding partner, not this list, decides what is available in New Jersey.
What a funder reads first in Lodi
physical, occupational, and speech therapy, specialty physician groups, chiropractic account for most of what is enumerated in Lodi, so those are the files funders see from this town
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| Physical, occupational, and speech therapy (29) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Specialty physician groups (17) | Ancillary revenue contribution, Provider productivity, Payer contracts | Ancillary build-out |
| Chiropractic (14) | Cash plan revenue, Personal injury receivable age, Visit volume | Startup or acquisition |
Column one counts Lodi clinicians from the federal file. Columns two and three describe how the field is usually underwritten, and a partner can read a Lodi file differently.
How Lodi prices against its neighbors
42.9 per 10,000 is the figure a neighboring town gets compared against when an appraiser prices Lodi
| Comparable | People | Enumerations | Per 10,000 residents | Miles |
|---|---|---|---|---|
| Lodi (current) | 26,358 | 113 | 42.9 | |
| Garfield | 33,530 | 97 | 28.9 | 1 |
| Hasbrouck Heights | 12,253 | 89 | 72.6 | 1 |
| Hackensack | 46,630 | 1,074 | 230.3 | 2 |
| Maywood | 10,221 | 110 | 107.6 | 2 |
| Wallington | 12,060 | 34 | 28.2 | 2 |
| Elmwood Park | 21,680 | 124 | 57.2 | 3 |
Distance, income, and the wage floor around Lodi
New York-Newark-Jersey City, NY-NJ lies 17 miles from Lodi, close enough that appraisers price the lease against New York-Newark-Jersey City, NY-NJ rents while 26,358 residents set the revenue ceiling. Households here carry $84,570 in median income, and that ceiling decides how much of a treatment plan gets started rather than deferred. No hospital operates here, so the referral sources and the call arrangement have to be named rather than assumed. Higher education here explains why summer looks unlike the rest of the year.
Nearby New Jersey towns
- Garfield 33,530 residents
- Hasbrouck Heights 12,253 residents
- Hackensack 46,630 residents
- Maywood 10,221 residents
- Wallington 12,060 residents
- Elmwood Park 21,680 residents
Lodi owners, answered
01How many providers practice in Lodi, and in what?
113 enumerations sit at Lodi addresses in the monthly NPPES file, working out to 42.9 for every 10,000 residents. 26 percent of them are physical, occupational, and speech therapy, and specialty physician groups follows with 17. An enumeration is a clinician, so the 113 here cover fewer than 113 practices.
02What does SBA lending look like around Lodi?
The county file behind Lodi holds 39 healthcare approvals totaling $19,343,600, an average of $495,990. Those are the loan sizes lenders in Bergen County have already carried.
03Is Lodi underwritten as part of New York-Newark-Jersey City, NY-NJ?
Partly. New York-Newark-Jersey City, NY-NJ is 17 miles out, so rent and equipment comparables travel in from there while patients still come from the 26,358 residents around Lodi. Cost side metro, revenue side local.
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 Lodi 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.
06Which fields carry the volume in Lodi?
Volume concentrates in physical, occupational, and speech therapy, 29 of them, ahead of specialty physician groups at 17, across 18 fields. A thin second field usually means a longer search for staff than a pro forma allows for.
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. Department of Education, IPEDS 2023 institutional directory
- 5CMS Care Compare provider datasets
- 6U.S. Small Business Administration, 7(a) and 504 approvals
- 7U.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.