Dental Office Feasibility Study in the Birmingham, AL Metro Area
What SBA's own loan files show about dental office lending in the Birmingham, AL Metro Area, and what a feasibility study for a project there has to test.
Dental offices around Birmingham
Birmingham, AL counts dental offices 5 of 39 among its classes. The record for FY2017 to FY2026 shows 34 approved loans worth $25.8 million, and the area is 47 of 562 across the nation. Its location quotient of 1.77x means dental practices make up a heavier part of loans around Birmingham than of loans nationwide. At $480,000 the median loan stands at 0.95x the class's national median, so the usual loan is close to its national counterpart.
Programs, holders and counties
SBA 7(a) accounts for 23 of the 34 loans and SBA 504 for the other 11, so a real share went through the 504 program. Half of the loans fall between $254,450 and $1.0 million. None carry a franchise brand, shown as 0.00%. Southern Development Council is the one holder printed, with 5 SBA 504 loans worth $2.5 million. Jefferson County, AL records 23 loans, Shelby County, AL records 6 and St. Clair County, AL records 5.
Volume by year is not shown, because each year rests on too few loans. Cancellation and charge-off rates are absent as well, because Loan Analytics wants at least 30 loans in a cohort before printing one; a missing rate is not a zero. A loan counts in the Birmingham area only through the county of its project on the July 2023 OMB list, and unplaceable counties fall out of every area.
Testing a dental project here
The mix of programs says something about the borrowers: a share of them are buying or building space, so a feasibility study should test whether the project is a lease fit-out or a property purchase, because the appraisal, the term and the collateral differ between them. It has to size chair count against the patients a catchment can supply and the payer mix, then show staffing and supply cost. Show the debt payment covered in a conservative first year with the practice's own pay included, and give the lender the plan for the case where the founding dentist steps back. The appraisal should say whether it values the practice, the real estate or both, and the loan sizes in the middle half, up to $1.0 million, show why the question matters.
SBA dental office loans in the Birmingham, AL Metro Area
| Loans approved, FY2017 to FY2026 | 34 |
|---|---|
| Gross dollars approved | $25.8 million |
| Median loan | $480,000 |
| Middle half of loans, from | $254,450 |
| Middle half of loans, to | $1.0 million |
| SBA 7(a) loans | 23 |
| SBA 504 loans | 11 |
| Franchise share of loans | 0.00% |
| Rank among metro and micro areas for dental office loans | 47 of 562 |
| Rank of dental office among the classes in this area | 5 of 39 |
| Location quotient (share of loans against the national share) | 1.77x |
| Median loan against the national median for the class | 0.95x |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | not reported: fewer than 30 loans in the cohort |
|---|---|
| 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.
Approvals by fiscal year are withheld for this area, so that no year of fewer than 5 loans can be derived.
Most active SBA lenders
| Lender | Loans | Dollars |
|---|---|---|
| Southern Development Council | 5 | $2.5 million |
Lenders with 5 or more loans here; a lender with fewer is not listed, and loans SBA or a receiver holds are counted but never listed as a lender.
Where the loans are, by county
| County | Loans |
|---|---|
| Jefferson County, AL | 23 |
| Shelby County, AL | 6 |
| St. Clair County, AL | 5 |
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-13820-C20.
Related feasibility study pages
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Loan Analytics prepares the feasibility study a lender reads before it commits: for a dental office project in the Birmingham, AL 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.
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