Albuquerque: dental office lending

For Albuquerque, from FY2017 through FY2026, SBA recorded 31 dental office loans, totalling $29.8 million in gross dollars. Inside Albuquerque, dental office lending sits 5 of 39 against every other class here; Albuquerque comes in at 54 of 562 across all metro and micro areas by dental office loan count. Albuquerque's location quotient is 1.81x, above the national share. The median loan for Albuquerque is $500,000. The inner half of Albuquerque loans spans $195,000 to $1.3 million, and the median stands at 0.99x the class median nationally. The median ratio of 0.99x says loan size in Albuquerque tracks the national class almost exactly; what is heavy is the count of loans, with a location quotient of 1.81x. Dental ranks 5 of 39 among the asset classes, and Bernalillo County holds 23 of the 31 loans. FY2022 and FY2025 both show 0 loans and $0, against 5 loans in FY2019, FY2021 and FY2024.

Counts for the 7(a) and 504 programs in Albuquerque are not printed, because Loan Analytics keeps back any figure standing on just a few loans. The franchise share of Albuquerque loans comes to 0.00%, so no franchise brands figure in the Albuquerque record. In Albuquerque, no holder gets to five loans. Albuquerque therefore names no lender. County by county: Bernalillo County, NM has 23 loans.

Albuquerque: years, floors and limits

In Albuquerque, a few years can be shown: FY2019 records 5 loans valued at $3.4 million; FY2021 has 5 loans valued at $8.4 million; FY2024 records 5 loans valued at $4.1 million. In FY2022 and FY2025, Albuquerque records 0 loans and $0. Withheld for Albuquerque: FY2017, FY2018, FY2020, FY2023 and FY2026. The years held back for Albuquerque do not mean none. Albuquerque's cancellation rate: not given, under 30 loans in the cohort. The Albuquerque charge-off rate: not published, short of 30 loans in the cohort. Albuquerque uses Loan Analytics' own minimum. Albuquerque has a thin FY2017 to FY2021 cohort. Albuquerque uses the 2023 July list. Albuquerque assigns each loan by county. Albuquerque drops unmatched loans.

Albuquerque: what to test

In Albuquerque the question for a dental project is not whether the loan is unusually large but whether the practice is placed to win patients in a county where dentists are already well represented in SBA lending. The study should test the patient base within reach, the payer mix, operatory count and equipment cost against a loan near $500,000, and coverage of the payment while production ramps. The appraisal will separate goodwill from premises, so the revenue history or forecast should be documented.

SBA dental office loans in the Albuquerque, NM Metro Area

Loans approved, FY2017 to FY2026	31
Gross dollars approved	$29.8 million
Median loan	$500,000
Middle half of loans, from	$195,000
Middle half of loans, to	$1.3 million
SBA 7(a) loans	withheld
SBA 504 loans	withheld
Franchise share of loans	0.00%
Rank among metro and micro areas for dental office loans	54 of 562
Rank of dental office among the classes in this area	5 of 39
Location quotient (share of loans against the national share)	1.81x
Median loan against the national median for the class	0.99x

Cancellation and charge-off

Cancelled after approval, FY2017 to FY2024 approvals (a floor)	withheld
Charged off to date, FY2017 to FY2021 disbursed loans (a floor)	withheld

Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.

SBA dental office loans approved in the Albuquerque, NM Metro Area, by fiscal year

Fiscal year	Loans	Dollars
FY2017	withheld	withheld
FY2018	withheld	withheld
FY2019	5	$3.4 million
FY2020	withheld	withheld
FY2021	5	$8.4 million
FY2022	0	$0
FY2023	withheld	withheld
FY2024	5	$4.1 million
FY2025	0	$0
FY2026	withheld	withheld

Where the loans are, by county

County	Loans
Bernalillo County, NM	23

Counties with 5 or more loans; smaller ones are not listed.

Metro is the CBSA (metropolitan or micropolitan statistical area) of the loan's project county, July 2023 delineation (OMB Bulletin 23-01). The county is matched by name (manifests/ld2/county-cbsa-map.csv); a loan whose county cannot be placed in a 2023 CBSA is left out of every metro.

A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.

Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; areas from the U.S. Census Bureau CBSA delineation, July 2023 (OMB Bulletin 23-01); Loan Analytics metro cell MA-10740-C20.

Related feasibility study pages

Loan Analytics prepares the feasibility study a lender reads before it commits: for a dental office project in the Albuquerque, NM Metro Area, financed under SBA 7(a), SBA 504, USDA Business and Industry or a conventional bank loan. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.

Daniel Smith, MAI

Dental Office Feasibility Study in the Albuquerque, NM Metro Area