Dental Office Feasibility Study in the Cincinnati, OH-KY-IN Metro Area

Dental office in Cincinnati against the national picture

With 76 SBA approvals worth $71.4 million between FY2017 and FY2026, Cincinnati, OH-KY-IN stands 27 of 562 among metro and micro areas. Share of loans for dental office in Cincinnati comes to 1.00x the share seen nationally: Cincinnati tracks the national weighting. Inside Cincinnati, the class ranks 7 of 39, a big mix piece. This Cincinnati area crosses IN, KY and OH, one count, several states.

Cincinnati loans center on $573,400, the median, and the middle half ranges $140,000 to $1.2 million. The local median is 1.13x the class median nationally, so Cincinnati borrowers draw bigger loans. 68 loans run through SBA 7(a) and 8 run through SBA 504. Cincinnati's franchise share of loans stands at 0.00%, brand reliance in brief. For Cincinnati borrowers, that is context only.

Cincinnati: who holds the loans, and where

On the 7(a) side in Cincinnati, SBA records these holders United Midwest Savings Bank National Association (21 loans, $35.5 million); The Huntington National Bank (12 loans, $5.7 million); U.S. Bank, National Association (10 loans, $4.7 million); Live Oak Banking Company (8 loans, $10.9 million); and First Financial Bank (OH) (8 loans, $3.1 million). On the 504 side of Cincinnati, Alloy Development Co., Inc. (8 loans, $4.5 million). Each Cincinnati row is an SBA record. These Cincinnati loans sit with the lenders named. Cincinnati rows speak to files, not policy. No Cincinnati row says what a lender requires. Across Cincinnati counties, 29 loans sit in Hamilton County, OH, followed by Butler County, OH with 16, Warren County, OH with 9, Boone County, KY with 7 and Kenton County, KY with 7.

Cincinnati's published years show 8 loans and $5.8 million in FY2017, 12 loans and $10.2 million in FY2018, 14 loans and $13.2 million in FY2019, 6 loans and $5.0 million in FY2020, 14 loans and $9.7 million in FY2021 and 8 loans and $9.3 million in FY2022. No count is printed for the remaining years of the span in Cincinnati, as counts are thin, so those blank years may hold loans. FY2017 to FY2024 approvals in Cincinnati were cancelled after approval at a floor of 17.9%, a floor. Undisbursed loans counted too, the ceiling is 17.9%. For Cincinnati, no charge-off floor is printed. Thin Cincinnati cohorts mean unpublished, not none. The Cincinnati totals follow federal lines from July 2023, where Cincinnati loans are placed by county, and Cincinnati excludes any county it cannot match.

Cincinnati: testing a dental office project

Cincinnati dental office projects start from this record and end at one site. Each Cincinnati study must establish collections timing against billings. For Cincinnati, we would first examine start-up versus purchase of a practice. In Cincinnati, a study has to test hygienist and associate payroll, line by line. In Cincinnati, we start by examining whether chair capacity matches patient demand. Cincinnati reviewers will check coverage through a slow first year. Cincinnati work runs demand, cost, coverage, value. Cincinnati lenders get evidence, not a promise.