Dental Office Feasibility Study in Arkansas

Arkansas dentistry: larger loans, thin evidence

Arkansas shows 39 dental office loans from FY2017 to FY2026, with $27.5 million approved. The median loan of $569,000 is 1.12x the nationwide dental figure, and the heart of the Arkansas file runs from $233,250 to $824,300. Arkansas is 40 of 54 states, and dental offices are 10 of 39 classes at home, and the location quotient of 0.87x is a little below the national share. With so few loans, this page is a guide to scale, not a precise benchmark.

Two rates we cannot print

Arkansas dentistry gets no cancellation figure and no loss figure here, as neither cohort reaches the minimum of 30 loans. A lender looking at Arkansas dental files therefore has no state-level evidence on how often approvals fail to close or loans later default, and has to lean on national figures for the class. Neither blank should be taken as zero. To a borrower, the practical meaning is that the lender may ask for more of your own documentation, since it has little local history to rely on.

The program split is 33 SBA 7(a) loans and 6 SBA 504 loans, with no franchised borrower (0.00%). Live Oak Banking Company is the sole lender to qualify, at 6 loans and $9.8 million, an average above any other figure in the cell. A specialist lender with national dental experience, and not a community bank, is therefore the main source of large practice financing here, and a borrower buying a retiring dentist's practice should expect to compare it with local institutions.

What an Arkansas dental study must test

Pulaski County has 11 loans, Washington 7, Craighead 5 and Sebastian 4, so the experience sits in Little Rock, northwest Arkansas, Jonesboro and Fort Smith. A study should test demand through population per dentist, insurance acceptance and competing practices, then the cost of operatories, imaging and sterilization. Coverage of the debt has to survive the patient attrition that follows a practice sale. The appraisal should separate the practice from the building. The yearly record reaches 7 loans in FY2018 and again in FY2026, with only 2 loans in FY2017, FY2020 and FY2024, so the flow is steady but small.