Dental Office Feasibility Study in the El Paso, TX Metro Area
What SBA's own loan files show about dental office lending in the El Paso, TX Metro Area, and what a feasibility study for a project there has to test.
Dental offices in El Paso County
El Paso, TX shows 27 dental office loans for FY2017 to FY2026, adding to $14.8 million, and every one is in El Paso County. Dentistry holds third place among the metro's 39 classes; compared with other areas, El Paso is 58 of 562; and 2.32x, the location quotient, puts dental offices at more than twice their national weight. The ratios describe lending to dental offices, not the number of patients a new office could draw. The $350,000 median is 0.69x the national dental figure, and the central half runs from $205,000 to $639,950. Every figure here is a plain description of El Paso dentistry in this record.
Independent practices and one holder
Franchise affiliation is 0.00%, so these are independent practices. WestStar Bank is the current holder of 7 loans under 7(a), worth $3.7 million, as SBA reports it; that entry records a holding only. The program split is not printed.
Years with loans and years without
FY2017 prints 8 loans and $4.5 million, and FY2022 prints 9 loans and $5.3 million. FY2023, FY2024 and FY2025 each print 0 loans and $0, three finished years without a loan in this class. FY2018 to FY2021 and FY2026 are blank for want of volume, and a blank is not a zero. El Paso's cohort from FY2017 to FY2021 has fewer than 30 loans, so cancellation and charge-off are held back by Loan Analytics' own rule.
What an El Paso dental study has to test
Three recent years with no loans in a class that ranks third locally is a reason for care: the study should not extrapolate from a lending history that stops. It should size the patient base behind the chair count, the payer mix, production per chair, equipment and leasehold cost, and an associate's ramp, then show that payments are covered after a slow first year. At a $350,000 median, many loans fund equipment or an acquisition, and the study should say which. A project near the $639,950 upper edge should explain its scale. Loans are placed in the metro through the project county, and no approval is promised.
SBA dental office loans in the El Paso, TX Metro Area
| Loans approved, FY2017 to FY2026 | 27 |
|---|---|
| Gross dollars approved | $14.8 million |
| Median loan | $350,000 |
| Middle half of loans, from | $205,000 |
| Middle half of loans, to | $639,950 |
| 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 | 58 of 562 |
| Rank of dental office among the classes in this area | 3 of 39 |
| Location quotient (share of loans against the national share) | 2.32x |
| Median loan against the national median for the class | 0.69x |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | withheld |
|---|---|
| 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.
SBA dental office loans approved in the El Paso, TX Metro Area, by fiscal year
| Fiscal year | Loans | Dollars |
|---|---|---|
| FY2017 | 8 | $4.5 million |
| FY2018 | withheld | withheld |
| FY2019 | withheld | withheld |
| FY2020 | withheld | withheld |
| FY2021 | withheld | withheld |
| FY2022 | 9 | $5.3 million |
| FY2023 | 0 | $0 |
| FY2024 | 0 | $0 |
| FY2025 | 0 | $0 |
| FY2026 | withheld | withheld |
Most active SBA lenders
| Lender | Loans | Dollars |
|---|---|---|
| WestStar Bank | 7 | $3.7 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 |
|---|---|
| El Paso County, TX | 27 |
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-21340-C20.
Related feasibility study pages
- Feasibility studies for dental office projects
- Feasibility Study Data for the El Paso, TX Metro Area
- Dental Office Feasibility Study in Texas
- Feasibility study data and consultants for Texas
- Feasibility Study Data by Metro Area
- SBA feasibility study consultant
- Dental Office Feasibility Study in the Los Angeles-Long Beach-Anaheim, CA Metro Area
- Dental Office Feasibility Study in the New York-Newark-Jersey City, NY-NJ Metro Area
- Dental Office Feasibility Study in the Dallas-Fort Worth-Arlington, TX Metro Area
- Dental Office Feasibility Study in the Miami-Fort Lauderdale-West Palm Beach, FL Metro Area
- Dental Office Feasibility Study in the Chicago-Naperville-Elgin, IL-IN Metro Area
- Dental Office Feasibility Study in the Houston-Pasadena-The Woodlands, TX Metro Area
- Restaurant Feasibility Study in the El Paso, TX Metro Area
- Medical Office Feasibility Study in the El Paso, TX Metro Area
- Quick Service Restaurant Feasibility Study in the El Paso, TX Metro Area
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