SBA 504 Dental Practice Loan Data
Explore SBA 504 loan volume, funding totals, average deal size, regional trends, and lender activity for dental practices in the USA.
This report helps dentists understand how SBA 504 financing is being used across the industry.
Dental Practices
Market Analysis
A comprehensive look at SBA 504 lending activity for Offices of Dentists (NAICS 621210), covering loan volume, geography, lender participation, and portfolio performance from FY2023 through FY2026 (as of 12/31/2025).
Number of Loans by Fiscal Year
Dollar Volume by Fiscal Year
Key Takeaway
Dental practice 504 lending is remarkably consistent — roughly 88–90 loans per year at $83–$90M in volume. This signals a steady, reliable market with predictable demand. FY2026 YTD (10 loans by December) is tracking in line with prior years.
SBA 504 Approval Amount Brackets
Loan Term & Business Profile
Loan Term Length
Business Maturity
Key Takeaway
The sweet spot for dental 504 loans is $250K–$2M (83% of all loans), with $1M–$2M being the single largest bracket. 90% are 25-year terms on real estate — and 90% are established practices (2+ years old). This is a mature, stable borrower profile ideal for SBA 504 lending.
Top 15 States by Loan Count
Top 15 States by Dollar Volume
Top Counties
| County | State | Loans |
|---|---|---|
| Los Angeles | CA | 24 |
| Orange | CA | 10 |
| San Diego | CA | 8 |
| Maricopa | AZ | 6 |
| San Bernardino | CA | 5 |
| Hillsborough | FL | 5 |
| Miami-Dade | FL | 4 |
| Davis | UT | 4 |
| Kern | CA | 4 |
| Clark | WA | 4 |
| Utah | UT | 4 |
| Santa Clara | CA | 4 |
Key Takeaway
California is the clear heavyweight — 29% of all dental 504 loans and 31% of dollar volume. Southern California metros (LA, Orange, San Diego, San Bernardino) alone account for 47 loans. Florida is a distant but solid second. Notable for the Southeast: Georgia has 5 loans, and Alabama punches above its weight with 6 loans and $6.7M in volume.
| CDC Name | Loans | Total Volume | Avg Loan |
|---|---|---|---|
| Business Finance Capital | 25 | $23,303,000 | $932,120 |
| California Statewide Certified | 21 | $17,573,000 | $837,286 |
| Florida Business Development Corp | 20 | $17,546,000 | $877,300 |
| Mortgage Capital Development Corp | 20 | $24,390,000 | $1,219,500 |
| Mountain West Small Business Finance | 14 | $9,321,000 | $665,786 |
| Florida First Capital Finance | 13 | $11,605,000 | $892,692 |
| Empire State Certified Development | 10 | $9,248,000 | $924,800 |
| WBD, Inc. | 8 | $6,583,000 | $822,875 |
| Twin Cities-Metro Certified Dev | 6 | $8,006,000 | $1,334,333 |
| Evergreen Business Capital | 6 | $7,436,000 | $1,239,333 |
Key Takeaway
Business Finance Capital leads in loan count (25 loans), but Mortgage Capital Development Corp leads in volume ($24.4M) with a significantly higher average loan size of $1.22M. Twin Cities-Metro and Evergreen also skew toward larger deals. The Florida CDCs (Florida Business Development + Florida First Capital) collectively account for 33 dental loans — showing strong CDC penetration in that market.
| Lender | Loans | 504 Volume |
|---|---|---|
| JPMorgan Chase Bank, N.A. | 15 | $14,594,000 |
| First-Citizens Bank & Trust | 13 | $12,623,000 |
| Zions Bank | 8 | $6,069,000 |
| Meadows Bank | 7 | $6,536,000 |
| Bank of America, N.A. | 7 | $8,864,000 |
| Cache Valley Bank | 6 | $3,627,000 |
| California Bank of Commerce | 5 | $3,163,000 |
| CalPrivate Bank | 5 | $3,672,000 |
| City National Bank | 5 | $4,434,000 |
| Seacoast National Bank | 4 | $4,551,000 |
Key Takeaway
JPMorgan Chase and First-Citizens lead in dental 504 lending partnerships. Notably, regional and community banks are very active — Meadows Bank, Cache Valley Bank, CalPrivate Bank, and Seacoast National all appear in the top 10. Bank of America has the highest average deal size among the leaders at $1.27M per loan. This is a market where community bank relationships matter.
~88 loans per year at ~$85M+ in 504 volume. Dental practices represent a steady, reliable pipeline with zero seasonal volatility and consistent demand across fiscal years.
90% of borrowers are established practices (2+ years old) with stable cash flows and essential-service demand. 94% are structured as corporations — a mature, bankable borrower base ideal for SBA 504 lending.
Average 504 portion of $963K with total project sizes averaging $2.1M. These are well-suited for the SBA 504 program and represent meaningful community investments averaging 6.6 jobs per project.