New Jersey micro-market
Healthcare practice financing in Red Bank, New Jersey
Direct answer
Monmouth County carries 14 SBA healthcare approvals worth $8,216,400, and inside Red Bank the census shows 579 enumerated clinicians against 12,830 residents, 451.3 per 10,000, 24 percent of them in physical, occupational, and speech therapy. New York-Newark-Jersey City, NY-NJ lies 23 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: 12,830 residents (10K-25K band)1
- Healthcare providers registered here: 579 across 30 fields2
- Median household income: $101,7383
- Largest provider field: Physical, occupational, and speech therapy: 138 registered providers2
- Medicare-certified providers in town: 5 across 2 categories4
- Nearest metro: New York-Newark-Jersey City, NY-NJ, 23 miles1
Who is enumerated in Red Bank
451.3 providers per 10,000 residents is what 579 enumerations across 30 fields works out to in a town of 12,830
| Practice type | Count | Rate per 10,000 residents | Published by |
|---|---|---|---|
| Physical, occupational, and speech therapy | 138 | 107.6 | NPPES [2] |
| Chiropractic | 61 | 47.5 | NPPES [2] |
| ABA and autism therapy | 54 | 42.1 | NPPES [2] |
| Behavioral and mental health group practices | 45 | 35.1 | NPPES [2] |
| General dentistry | 40 | 31.2 | NPPES [2] |
| Specialty physician groups | 38 | 29.6 | NPPES [2] |
| Optometry and ophthalmology | 34 | 26.5 | NPPES [2] |
| Dental specialties | 25 | 19.5 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 24 | 18.7 | NPPES [2] |
| Primary care and family medicine | 18 | 14.0 | NPPES [2] |
| Med spa and aesthetics | 14 | 10.9 | NPPES [2] |
| DME and HME suppliers | 12 | 9.4 | NPPES [2] |
| Home health | 11 | 8.6 | NPPES [2] |
| Non-medical home care | 10 | 7.8 | NPPES [2] |
| Podiatry | 8 | 6.2 | NPPES [2] |
| Plastic and cosmetic surgery | 8 | 6.2 | NPPES [2] |
| Dermatology | 7 | 5.5 | NPPES [2] |
| Independent pharmacy | 6 | 4.7 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 5 | 3.9 | NPPES [2] |
| ASCs and OBLs | 4 | 3.1 | NPPES [2] |
| Audiology and hearing centers | 4 | 3.1 | NPPES [2] |
| Dialysis and infusion centers | 3 | 2.3 | NPPES [2] |
| Hormone, TRT, and men's health clinics | 2 | 1.6 | NPPES [2] |
| Clinical and toxicology labs | 2 | 1.6 | NPPES [2] |
| Urgent care | 1 | 0.8 | NPPES [2] |
| Pain management and interventional | 1 | 0.8 | NPPES [2] |
| Clinical research sites | 1 | 0.8 | NPPES [2] |
| IV hydration and infusion | 1 | 0.8 | NPPES [2] |
| Telehealth and virtual clinics | 1 | 0.8 | NPPES [2] |
| Occupational health and drug testing | 1 | 0.8 | NPPES [2] |
| Medical equipment suppliers | 4 | CMS [4] | |
| Ambulatory surgical centers | 3 | CMS [4] | |
| Dialysis facilities | 2 | CMS [4] |
A single Red Bank practice can hold more than one of these numbers. 24 percent sit in physical, occupational, and speech therapy, counted as clinicians rather than as owners.
Loan activity in Monmouth County
Lenders in Monmouth County have already closed 14 healthcare approvals, averaging $586,886, which is the size a new file gets read beside
| Line | Amount | Reading and source |
|---|---|---|
| Healthcare files approved | 14 | Fiscal year published in the SBA file [5] |
| Dollars behind them | $8,216,400 | Sum of approvals to healthcare borrowers [5] |
| Typical approval size | $586,886 | Dollars divided by approvals [5] |
| Credit offices operating locally | 382 | Credit intermediation establishments, NAICS 522 [6] |
What the two tables above change about a file
Underwriting starts with 451.3 providers per 10,000 residents, because that ratio caps how fast a chair or a room fills. Because Monmouth County already carries $8,216,400 across 14 healthcare approvals, a request near that average moves faster than one well above it. A $101,738 median household income here sets the ceiling on what an elective or cash-pay line can be expected to carry.
Programs the Red Bank 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 Red Bank does not appear. Availability is still a New Jersey question.
The first pages of a Red Bank file
What a funder opens first depends on the field. In Red Bank that means physical, occupational, and speech therapy, chiropractic, aba and autism therapy.
| Practice type | The pages that decide it | Typical capital event |
|---|---|---|
| Physical, occupational, and speech therapy (138) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Chiropractic (61) | Cash plan revenue, Personal injury receivable age, Visit volume | Startup or acquisition |
| ABA and autism therapy (54) | Authorized hours against delivered hours, Payer mix stability, Billing compliance history | Working capital against authorization and billing lag |
Counts in the first column are Red Bank providers from NPPES. The other two columns describe how funders read that field across markets like Red Bank, not what any funder will do with your file.
Red Bank against nearby New Jersey markets
Set Red Bank's 451.3 per 10,000 against the towns an appraiser would reach for next
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Red Bank (current) | 12,830 | 579 | 451.3 | |
| Eatontown | 13,582 | 384 | 282.7 | 4 |
| Long Branch | 33,214 | 197 | 59.3 | 5 |
| Tinton Falls | 19,435 | 257 | 132.2 | 6 |
| Asbury Park | 15,473 | 57 | 36.8 | 9 |
| Freehold | 12,530 | 814 | 649.6 | 13 |
| South Amboy | 10,549 | 76 | 72.0 | 15 |
Distance, income, and the wage floor around Red Bank
New York-Newark-Jersey City, NY-NJ lies 23 miles from Red Bank, close enough that appraisers price the lease against New York-Newark-Jersey City, NY-NJ rents while 12,830 residents set the revenue ceiling. Households here carry $101,738 in median income, and that ceiling decides how much of a treatment plan gets started rather than deferred. Hospital coverage inside Red Bank means a call schedule can be evidenced rather than described.
Nearby New Jersey towns
- Eatontown 13,582 residents
- Long Branch 33,214 residents
- Tinton Falls 19,435 residents
- Asbury Park 15,473 residents
- Freehold 12,530 residents
- South Amboy 10,549 residents
Questions from Red Bank
01How many providers practice in Red Bank, and in what?
Across 30 fields, Red Bank carries 579 enumerated clinicians, 451.3 per 10,000 of the 12,830 people living here. The concentration is in physical, occupational, and speech therapy, 138 of the total, then chiropractic at 61. Count practices from that only with care.
02Is Red Bank underwritten as part of New York-Newark-Jersey City, NY-NJ?
Comparables and demand split at 23 miles. An appraiser prices the lease and the equipment off New York-Newark-Jersey City, NY-NJ; the revenue line has to hold up against 12,830 local residents.
03What does a $101,738 median income mean for case acceptance?
Median household income in Red Bank runs $101,738. 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.
04What does SBA lending look like around Red Bank?
$8,216,400 went to healthcare borrowers in Monmouth County across 14 approvals, $586,886 on average. Deals near Red Bank get sized against that record before anything else.
05What does Monmouth County's shortage designation change?
Monmouth County holds a HRSA designation covering primary care, dental, mental health. A pro forma for Red Bank can cite it as the reason a vacancy is fillable, which is usually the weakest line in a ramp schedule.
06Which fields carry the volume in Red Bank?
The 30 enumerated fields are led by physical, occupational, and speech therapy at 138, with chiropractic at 61 behind it. Those two counts double as the competition you are entering and the bench you would hire from.
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
- 4CMS Care Compare provider datasets
- 5U.S. Small Business Administration, 7(a) and 504 approvals
- 6U.S. Census Bureau, County Business Patterns 2022
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