Dental Office Feasibility Study in the Atlanta-Sandy Springs-Roswell, GA Metro Area

Atlanta dentistry at a $617,750 median

Dental offices in Atlanta show 150 loans and $148.3 million over FY2017 to FY2026, twelfth of 562 areas for the class though only thirteenth among 39 local classes. A 0.84x location quotient sits under the national share, yet a $617,750 median is 1.22x the nationwide midpoint, and half the loans sit between $350,000 and $1.2 million, an uncommonly high band for the class. The pattern is of fewer but bigger practice loans: dental here is less prominent than elsewhere, but the practices that borrow, borrow more.

One lender stands out

The program split is 140 loans on 7(a) and 10 on 504. Live Oak Banking Company is listed with 29 loans worth $56.4 million, far above Newtek Bank, National Association at 9 ($3.1 million) and Truist Bank at 7 ($2.5 million); Bank of America, National Association and SouthState Bank, National Association follow at 6 apiece ($3.5 million and $2.3 million). The entries show concentration in SBA's record, not what any bank expects of an applicant. No franchised practices appear, recorded as 0.00%.

Counties and yearly counts

Gwinnett County has 36 loans, Cobb 31, Fulton 28 and DeKalb 22, while Douglas has 6 and Forsyth and Henry 5 each. The counties around the core carry most of the volume, with Fulton in third place, so a study should be specific about which part of the metro area it describes. Only some years are published. FY2017 shows 27 loans and $24.5 million, FY2018 15 loans and $12.5 million, and FY2023 12 loans and $13.9 million. The years FY2022, FY2024, FY2025 and FY2026 are withheld because few loans stand behind them, and withheld is not zero.

Floors, boundary and study

Cancellation takes at least 13.5% of approvals made in FY2017 to FY2024; read that as a floor. Neither a cancellation ceiling nor a charge-off rate is available. Atlanta's loans are gathered by matching project county names to the 2023 map. The dental study should test dentist-to-population ratios in the specific trade area, payer mix, if the borrowing is for a start-up, a buyout or a build, equipment and operatory costs, whether the cash flow carries repayment, and a valuation that credits the patient base without confusing it with the building.