New Jersey micro-market
Healthcare practice financing in Oakland, New Jersey
Direct answer
A Oakland file is read against 149 local clinicians, 115.3 for every 10,000 of its 12,926 residents, 32 percent of them in physical, occupational, and speech therapy, plus the 39 SBA healthcare approvals worth $19,343,600 already recorded in Bergen County, 22 miles from Kiryas Joel-Poughkeepsie-Newburgh, NY.
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- Population: 12,926 residents (10K-25K band)1
- Healthcare providers registered here: 149 across 21 fields2
- Median household income: $162,8623
- Largest provider field: Physical, occupational, and speech therapy: 47 registered providers2
- Nearest metro: Kiryas Joel-Poughkeepsie-Newburgh, NY, 22 miles1
- SBA healthcare approvals in the county: 39 approvals totaling $19,343,6004
The clinical base a lender can verify here
115.3 providers per 10,000 residents is what 149 enumerations across 21 fields works out to in a town of 12,926
| Practice type | Count | Rate per 10,000 residents | Published by |
|---|---|---|---|
| Physical, occupational, and speech therapy | 47 | 36.4 | NPPES [2] |
| Chiropractic | 24 | 18.6 | NPPES [2] |
| ABA and autism therapy | 12 | 9.3 | NPPES [2] |
| General dentistry | 10 | 7.7 | NPPES [2] |
| Primary care and family medicine | 8 | 6.2 | NPPES [2] |
| Dental specialties | 8 | 6.2 | NPPES [2] |
| Specialty physician groups | 6 | 4.6 | NPPES [2] |
| Optometry and ophthalmology | 6 | 4.6 | NPPES [2] |
| Independent pharmacy | 4 | 3.1 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 4 | 3.1 | NPPES [2] |
| DME and HME suppliers | 3 | 2.3 | NPPES [2] |
| Med spa and aesthetics | 3 | 2.3 | NPPES [2] |
| Podiatry | 2 | 1.5 | NPPES [2] |
| Non-medical home care | 2 | 1.5 | NPPES [2] |
| Hormone, TRT, and men's health clinics | 2 | 1.5 | NPPES [2] |
| Telehealth and virtual clinics | 2 | 1.5 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 2 | 1.5 | NPPES [2] |
| Dermatology | 1 | 0.8 | NPPES [2] |
| Urgent care | 1 | 0.8 | NPPES [2] |
| Behavioral and mental health group practices | 1 | 0.8 | NPPES [2] |
| Occupational health and drug testing | 1 | 0.8 | NPPES [2] |
| Medical equipment suppliers | 3 | CMS [5] |
Several of the 47 physical, occupational, and speech therapy enumerations can belong to one practice, so the column counts clinicians rather than businesses or owners
Loan activity in Bergen County
The published file shows 39 healthcare approvals in Bergen County, $19,343,600 in total, and that history is what an appraiser and a credit committee reach for
| Measure | Published figure | What sits behind it |
|---|---|---|
| Approvals on record | 39 | Counted for the fiscal year the SBA publishes [4] |
| Total approved capital | $19,343,600 | Everything approved to healthcare borrowers, added up [4] |
| Mean deal size | $495,990 | The dollar column over the approval column [4] |
| Lenders sited in the county | 598 | Places that write credit locally, NAICS 522 [6] |
Reading Oakland the way a credit committee does
Underwriting starts with 115.3 providers per 10,000 residents, because that ratio caps how fast a chair or a room fills. 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 $162,862 median household income here sets the ceiling on what an elective or cash-pay line can be expected to carry.
The programs this provider mix points at
- Practice acquisition
- Startup and de novo
- Working capital term loan
- Equipment financing and leasing
- Expansion, relocation, and build-out
Ranked from the 21 fields that actually practice in Oakland, weighted toward physical, occupational, and speech therapy. Availability still depends on New Jersey and on the funding partner.
Underwriting by field in Oakland
Drawn from the fields that actually practice here: physical, occupational, and speech therapy, chiropractic, aba and autism therapy
| Field | What the file turns on | The capital event behind most requests |
|---|---|---|
| Physical, occupational, and speech therapy (47) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Chiropractic (24) | Cash plan revenue, Personal injury receivable age, Visit volume | Startup or acquisition |
| ABA and autism therapy (12) | Authorized hours against delivered hours, Payer mix stability, Billing compliance history | Working capital against authorization and billing lag |
The first column is Oakland's own NPPES count. The rest is how the field is generally underwritten, whether the address is Oakland or anywhere else.
Oakland against nearby New Jersey markets
Density is the number that moves an appraisal: 115.3 per 10,000 here
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Oakland (current) | 12,926 | 149 | 115.3 | |
| Franklin Lakes | 11,251 | 115 | 102.2 | 2 |
| Pompton Lakes | 11,156 | 75 | 67.2 | 3 |
| Wanaque | 11,346 | 21 | 18.5 | 3 |
| Ramsey | 15,003 | 225 | 150.0 | 5 |
| Ringwood | 11,762 | 57 | 48.5 | 5 |
| Waldwick | 10,308 | 105 | 101.9 | 6 |
What the geography does to a Oakland projection
22 miles separate Oakland from Kiryas Joel-Poughkeepsie-Newburgh, NY. Lease pricing follows Kiryas Joel-Poughkeepsie-Newburgh, NY, while revenue stays capped by the 12,926 residents here. At $162,862 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.
More of New Jersey
- Franklin Lakes 11,251 residents
- Pompton Lakes 11,156 residents
- Wanaque 11,346 residents
- Ramsey 15,003 residents
- Ringwood 11,762 residents
- Waldwick 10,308 residents
What owners in Oakland ask
01How many providers practice in Oakland, and in what?
NPPES lists 149 providers at a Oakland practice address, 115.3 per 10,000 residents across 21 tracked fields. Physical, occupational, and speech therapy accounts for 47 of them, 32 percent of the total, with chiropractic next at 24. Read that as clinicians: 149 enumerations, not 149 owners.
02What does SBA lending look like around Oakland?
The county file behind Oakland 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 Oakland underwritten as part of Kiryas Joel-Poughkeepsie-Newburgh, NY?
Partly. Kiryas Joel-Poughkeepsie-Newburgh, NY is 22 miles out, so rent and equipment comparables travel in from there while patients still come from the 12,926 residents around Oakland. Cost side metro, revenue side local.
04What does a $162,862 median income mean for case acceptance?
Median household income in Oakland runs $162,862. 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.
05Is 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 Oakland rents and resale before or by somebody working from a screen.
06What 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.
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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