New Jersey micro-market
Healthcare practice financing in Pompton Lakes, New Jersey
Direct answer
Passaic County carries 13 SBA healthcare approvals worth $5,305,700, and inside Pompton Lakes the census shows 75 enumerated clinicians against 11,156 residents, 67.2 per 10,000, 23 percent of them in behavioral and mental health group practices. Kiryas Joel-Poughkeepsie-Newburgh, NY lies 24 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: 11,156 residents (10K-25K band)1
- Healthcare providers registered here: 75 across 16 fields2
- Median household income: $119,0383
- Largest provider field: Behavioral and mental health group practices: 17 registered providers2
- Nearest metro: Kiryas Joel-Poughkeepsie-Newburgh, NY, 24 miles1
- SBA healthcare approvals in the county: 13 approvals totaling $5,305,7004
Who is enumerated in Pompton Lakes
The NPPES file puts 75 enumerated clinicians inside Pompton Lakes, spread over 16 fields at 67.2 per 10,000 residents
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Behavioral and mental health group practices | 17 | 15.2 | NPPES [2] |
| Physical, occupational, and speech therapy | 12 | 10.8 | NPPES [2] |
| Specialty physician groups | 8 | 7.2 | NPPES [2] |
| Chiropractic | 6 | 5.4 | NPPES [2] |
| General dentistry | 6 | 5.4 | NPPES [2] |
| Dental specialties | 6 | 5.4 | NPPES [2] |
| Podiatry | 3 | 2.7 | NPPES [2] |
| SUD treatment and residential | 3 | 2.7 | NPPES [2] |
| Independent pharmacy | 3 | 2.7 | NPPES [2] |
| ABA and autism therapy | 3 | 2.7 | NPPES [2] |
| ASCs and OBLs | 2 | 1.8 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 2 | 1.8 | NPPES [2] |
| DME and HME suppliers | 1 | 0.9 | NPPES [2] |
| Primary care and family medicine | 1 | 0.9 | NPPES [2] |
| NEMT and ambulance | 1 | 0.9 | NPPES [2] |
| Telehealth and virtual clinics | 1 | 0.9 | NPPES [2] |
A single Pompton Lakes practice can hold more than one of these numbers. 23 percent sit in behavioral and mental health group practices, counted as clinicians rather than as owners.
Loan activity in Passaic County
The published file shows 13 healthcare approvals in Passaic County, $5,305,700 in total, and that history is what an appraiser and a credit committee reach for
| Line | Amount | Reading and source |
|---|---|---|
| Healthcare files approved | 13 | One published fiscal year, healthcare borrowers only [4] |
| Dollars behind them | $5,305,700 | Approved, not disbursed, and not net of withdrawals [4] |
| Typical approval size | $408,131 | A mean, so one large approval moves it [4] |
| Credit offices operating locally | 242 | Credit intermediation offices sited in the county [5] |
The consequence of these numbers
Density of 67.2 per 10,000 sets the patient draw a projection can claim without an argument. Because Passaic County already carries $5,305,700 across 13 healthcare approvals, a request near that average moves faster than one well above it. A $119,038 median household income here sets the ceiling on what an elective or cash-pay line can be expected to carry.
Programs the Pompton Lakes mix reaches for
- Practice acquisition
- Startup and de novo
- Working capital term loan
- Equipment financing and leasing
- Expansion, relocation, and build-out
Built from what is enumerated here rather than from a national list, so a field with no presence in Pompton Lakes does not appear. Availability is still a New Jersey question.
What a funder reads first in Pompton Lakes
What a funder opens first depends on the field. In Pompton Lakes that means behavioral and mental health group practices, physical, occupational, and speech therapy, specialty physician groups.
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| Behavioral and mental health group practices (17) | Clinician retention and productivity, Payer mix and Medicaid concentration, Re-authorization and session limit exposure | Working capital through the credentialing lag |
| Physical, occupational, and speech therapy (12) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Specialty physician groups (8) | Ancillary revenue contribution, Provider productivity, Payer contracts | Ancillary build-out |
Counts in the first column are Pompton Lakes providers from NPPES. The other two columns describe how funders read that field across markets like Pompton Lakes, 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 Pompton Lakes has too few sales of its own
| Comparable | People | Enumerations | Per 10,000 residents | Miles |
|---|---|---|---|---|
| Pompton Lakes (current) | 11,156 | 75 | 67.2 | |
| Oakland | 12,926 | 149 | 115.3 | 3 |
| Wanaque | 11,346 | 21 | 18.5 | 3 |
| Franklin Lakes | 11,251 | 115 | 102.2 | 4 |
| Kinnelon | 10,108 | 77 | 76.2 | 5 |
| Lincoln Park | 11,030 | 74 | 67.1 | 6 |
| Hawthorne | 20,006 | 129 | 64.5 | 7 |
Distance, income, and the wage floor around Pompton Lakes
Kiryas Joel-Poughkeepsie-Newburgh, NY lies 24 miles from Pompton Lakes, close enough that appraisers price the lease against Kiryas Joel-Poughkeepsie-Newburgh, NY rents while 11,156 residents set the revenue ceiling. Households here carry $119,038 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.
More of New Jersey
- Oakland 12,926 residents
- Wanaque 11,346 residents
- Franklin Lakes 11,251 residents
- Kinnelon 10,108 residents
- Lincoln Park 11,030 residents
- Hawthorne 20,006 residents
Questions from Pompton Lakes
01How many providers practice in Pompton Lakes, and in what?
Across 16 fields, Pompton Lakes carries 75 enumerated clinicians, 67.2 per 10,000 of the 11,156 people living here. The concentration is in behavioral and mental health group practices, 17 of the total, then physical, occupational, and speech therapy at 12. Count practices from that only with care.
02What does Passaic County's shortage designation change?
Designated for primary care, dental, mental health, Passaic 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 Pompton Lakes underwritten as part of Kiryas Joel-Poughkeepsie-Newburgh, NY?
Partly. Kiryas Joel-Poughkeepsie-Newburgh, NY is 24 miles out, so rent and equipment comparables travel in from there while patients still come from the 11,156 residents around Pompton Lakes. Cost side metro, revenue side local.
04Which fields carry the volume in Pompton Lakes?
Volume concentrates in behavioral and mental health group practices, 17 of them, ahead of physical, occupational, and speech therapy at 12, across 16 fields. A thin second field usually means a longer search for staff than a pro forma allows for.
05What does a $119,038 median income mean for case acceptance?
Median household income in Pompton Lakes runs $119,038. 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.
06What does SBA lending look like around Pompton Lakes?
The county file behind Pompton Lakes holds 13 healthcare approvals totaling $5,305,700, an average of $408,131. Those are the loan sizes lenders in Passaic County have already carried.
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
- 5U.S. Census Bureau, County Business Patterns 2022
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