New Jersey micro-market
Healthcare practice financing in Rutherford, New Jersey
Direct answer
189 healthcare providers hold a Rutherford practice address, 98.4 per 10,000 of its 19,214 residents, 24 percent of them in physical, occupational, and speech therapy. Bergen County recorded 39 SBA healthcare approvals worth $19,343,600, and New York-Newark-Jersey City, NY-NJ sits 14 miles out.
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: 19,214 residents (10K-25K band)1
- Healthcare providers registered here: 189 across 27 fields2
- Median household income: $136,0693
- Largest provider field: Physical, occupational, and speech therapy: 46 registered providers2
- Medicare-certified providers in town: 2 across 1 categories4
- Nearest metro: New York-Newark-Jersey City, NY-NJ, 14 miles1
What NPPES records at Rutherford addresses
The NPPES file puts 189 enumerated clinicians inside Rutherford, spread over 27 fields at 98.4 per 10,000 residents
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| Physical, occupational, and speech therapy | 46 | 23.9 | NPPES [2] |
| Specialty physician groups | 18 | 9.4 | NPPES [2] |
| Chiropractic | 16 | 8.3 | NPPES [2] |
| Optometry and ophthalmology | 16 | 8.3 | NPPES [2] |
| General dentistry | 12 | 6.2 | NPPES [2] |
| Dental specialties | 10 | 5.2 | NPPES [2] |
| ABA and autism therapy | 9 | 4.7 | NPPES [2] |
| Dermatology | 8 | 4.2 | NPPES [2] |
| Behavioral and mental health group practices | 8 | 4.2 | NPPES [2] |
| DME and HME suppliers | 6 | 3.1 | NPPES [2] |
| Home health | 5 | 2.6 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 5 | 2.6 | NPPES [2] |
| Plastic and cosmetic surgery | 5 | 2.6 | NPPES [2] |
| ASCs and OBLs | 4 | 2.1 | NPPES [2] |
| Primary care and family medicine | 3 | 1.6 | NPPES [2] |
| Podiatry | 2 | 1.0 | NPPES [2] |
| NEMT and ambulance | 2 | 1.0 | NPPES [2] |
| Independent pharmacy | 2 | 1.0 | NPPES [2] |
| Audiology and hearing centers | 2 | 1.0 | NPPES [2] |
| Non-medical home care | 2 | 1.0 | NPPES [2] |
| Clinical and toxicology labs | 2 | 1.0 | NPPES [2] |
| Imaging centers | 1 | 0.5 | NPPES [2] |
| Pain management and interventional | 1 | 0.5 | NPPES [2] |
| Mobile diagnostics | 1 | 0.5 | NPPES [2] |
| Med spa and aesthetics | 1 | 0.5 | NPPES [2] |
| Clinical research sites | 1 | 0.5 | NPPES [2] |
| Telehealth and virtual clinics | 1 | 0.5 | NPPES [2] |
| Ambulatory surgical centers | 2 | CMS [4] | |
| Medical equipment suppliers | 2 | CMS [4] |
A single Rutherford 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.
What Bergen County credit files already show
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
| Line | Amount | Reading and source |
|---|---|---|
| Healthcare files approved | 39 | Counted for the fiscal year the SBA publishes [5] |
| Dollars behind them | $19,343,600 | Everything approved to healthcare borrowers, added up [5] |
| Typical approval size | $495,990 | The dollar column over the approval column [5] |
| Credit offices operating locally | 598 | Places that write credit locally, NAICS 522 [6] |
Reading Rutherford the way a credit committee does
A file from here opens on 98.4 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 $136,069 as the median household income, the payer mix in a projection has to match what Rutherford households actually spend.
Programs the Rutherford mix reaches for
- Practice acquisition
- Startup and de novo
- Equipment financing and leasing
- Expansion, relocation, and build-out
- Working capital term loan
Weighted by how often each of the 27 local fields reaches for a program, not by what is easiest to refer. New Jersey rules and the partner decide availability.
Underwriting by field in Rutherford
Drawn from the fields that actually practice here: physical, occupational, and speech therapy, specialty physician groups, chiropractic
| Field | What the file turns on | The capital event behind most requests |
|---|---|---|
| Physical, occupational, and speech therapy (46) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Specialty physician groups (18) | Ancillary revenue contribution, Provider productivity, Payer contracts | Ancillary build-out |
| Chiropractic (16) | Cash plan revenue, Personal injury receivable age, Visit volume | Startup or acquisition |
Counts in the first column are Rutherford providers from NPPES. The other two columns describe how funders read that field across markets like Rutherford, not what any funder will do with your file.
Density beside the neighboring New Jersey towns
Density is the number that moves an appraisal: 98.4 per 10,000 here
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Rutherford (current) | 19,214 | 189 | 98.4 | |
| East Rutherford | 10,624 | 79 | 74.4 | 1 |
| Wallington | 12,060 | 34 | 28.2 | 2 |
| Hasbrouck Heights | 12,253 | 89 | 72.6 | 3 |
| North Arlington | 16,694 | 70 | 41.9 | 3 |
| Passaic | 70,722 | 357 | 50.5 | 3 |
| Secaucus | 22,710 | 196 | 86.3 | 3 |
Distance, income, and the wage floor around Rutherford
New York-Newark-Jersey City, NY-NJ lies 14 miles from Rutherford, close enough that appraisers price the lease against New York-Newark-Jersey City, NY-NJ rents while 19,214 residents set the revenue ceiling. Median household income runs $136,069, which is the number a funder converts into case acceptance on anything elective or cash-pay. With no hospital in town, a projection has to name where referrals and coverage come from.
Nearby New Jersey towns
- East Rutherford 10,624 residents
- Wallington 12,060 residents
- Hasbrouck Heights 12,253 residents
- North Arlington 16,694 residents
- Passaic 70,722 residents
- Secaucus 22,710 residents
What owners in Rutherford ask
01How many providers practice in Rutherford, and in what?
Across 27 fields, Rutherford carries 189 enumerated clinicians, 98.4 per 10,000 of the 19,214 people living here. The concentration is in physical, occupational, and speech therapy, 46 of the total, then specialty physician groups at 18. Count practices from that only with care.
02What does SBA lending look like around Rutherford?
Healthcare borrowers in Bergen County took 39 approvals worth $19,343,600 in the published fiscal year, averaging $495,990. That is the comparable set an appraiser near Rutherford reaches for first.
03Is Rutherford underwritten as part of New York-Newark-Jersey City, NY-NJ?
Comparables and demand split at 14 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 19,214 local residents.
04What does a $136,069 median income mean for case acceptance?
Median household income in Rutherford runs $136,069. 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 Rutherford rents and resale before or by somebody working from a screen.
06Which fields carry the volume in Rutherford?
Physical, occupational, and speech therapy at 46 providers and specialty physician groups at 18 lead the 27 fields enumerated here. A funder reads that mix as the local competition set and the local hiring pool at once, before it reads a single line of your own numbers.
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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