Dental loans that run large

Dayton-Kettering-Beavercreek appears at 50 of 562 on the national list of areas for dental office loans, and the dental office class holds 4 of 39 in Dayton-Kettering-Beavercreek. The 33 approved loans, worth $40.6 million, include 25 in Montgomery County. Set beside the national mix, Dayton-Kettering-Beavercreek yields 1.34x: dental office loans take a heavier share there. The median of $715,000 is 1.41x the national median over dental offices. The page labels neither distinctive.

A middle band reaches from $350,000 up to $2.1 million, an upper edge far above the lower, a span that holds small requests and sizable ones. Franchise brands account for 0.00% of the loans. The page omits how the Dayton-Kettering-Beavercreek loans divide over 7(a) and 504 in Dayton-Kettering-Beavercreek. All above describes SBA loans in Dayton-Kettering-Beavercreek; other money for dental office projects in Dayton-Kettering-Beavercreek sits outside these figures.

Two holders with large dollars

Holder of 13 7(a) loans carrying $18.6 million: United Midwest Savings Bank National Association, and $12.1 million of the 7(a) loans, 7 in number, sit with Live Oak Banking Company. Together they hold a large share of the area's dollars. These are records of loans held, not descriptions of either institution's policy.

Rows appear for four years: FY2019: 13 loans and $16.6 million, FY2020 brings 6 loans and $4.7 million, and FY2022 and FY2024 brings no loans and $0 each. FY2019 is clearly the largest. Loan Analytics does not print Dayton-Kettering-Beavercreek's both outcome rates since the Dayton-Kettering-Beavercreek FY2017 to FY2021 cohort counts fewer than 30 loans, a size Loan Analytics' own rule treats as too few for Dayton-Kettering-Beavercreek. A blank rate in Dayton-Kettering-Beavercreek is never a zero.

A dental plan in the Dayton area should show the patients the site can draw, the operatories it supports, and equipment and buildout cost relative to a loan that may sit well above the national median. Payment cover should be run through the ramp-up of a new or relocated practice with a slower case, and the appraiser's work should value both practice and real estate on the revenue they earn. Federal county lines define Dayton-Kettering-Beavercreek; so loans from counties Dayton-Kettering-Beavercreek does not place stay excluded from its totals.

How to read Dayton-Kettering-Beavercreek's cell

A lender weighing a request of this kind can compare it with a median of $715,000 and a band that tops out at $2.1 million, then ask if the project resembles a practice purchase or a full buildout. Borrowers should expect that comparison and bring the evidence for it. Montgomery County supplies 25 of the 33 loans, so the comparables come chiefly from one county, and a project elsewhere in Dayton-Kettering-Beavercreek has fewer direct comparables on this page.

SBA dental office loans in the Dayton-Kettering-Beavercreek, OH Metro Area

Loans approved, FY2017 to FY2026	33
Gross dollars approved	$40.6 million
Median loan	$715,000
Middle half of loans, from	$350,000
Middle half of loans, to	$2.1 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	50 of 562
Rank of dental office among the classes in this area	4 of 39
Location quotient (share of loans against the national share)	1.34x
Median loan against the national median for the class	1.41x

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)	not reported: fewer than 30 loans in the cohort

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 Dayton-Kettering-Beavercreek, OH Metro Area, by fiscal year

Fiscal year	Loans	Dollars
FY2017	withheld	withheld
FY2018	withheld	withheld
FY2019	13	$16.6 million
FY2020	6	$4.7 million
FY2021	withheld	withheld
FY2022	0	$0
FY2023	withheld	withheld
FY2024	0	$0
FY2025	withheld	withheld
FY2026	withheld	withheld

Most active SBA lenders

SBA 7(a): lenders by loans approved (the current holder of each loan, as SBA reports it)
Lender	Loans	Dollars
United Midwest Savings Bank National Association	13	$18.6 million
Live Oak Banking Company	7	$12.1 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
Montgomery County, OH	25

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-19430-C20.

Related feasibility study pages

Loan Analytics prepares the feasibility study a lender reads before it commits: for a dental office project in the Dayton-Kettering-Beavercreek, OH 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 Dayton-Kettering-Beavercreek, OH Metro Area