Dental Office Feasibility Study in the Houston-Pasadena-The Woodlands, TX Metro Area

The Houston record for dental offices

SBA's loan files show 189 approvals for dentists' offices in Houston across FY2017 to FY2026, totaling $185.8 million in gross dollars approved. The local median is $502,300, which is 0.99x the class median nationwide, essentially level with it. On the location quotient, 1.10x, dentists' offices claim a larger share of loans around Houston compared with the whole nation. Most borrowers drew amounts between $200,000 and $1.4 million. By rank, Houston is 6 of 562 across metro and micro areas, and inside the area dentists' offices rank 11 of 39 among the lending classes.

Dental office loans by program in Houston

The program split is 184 approvals under 7(a) and 5 under 504; at present, this split tells a borrower which route dentists' offices projects have used in Houston. The 7(a) holders in Houston are led as follows: 24 loans sit with Live Oak Banking Company, 24 with United Community Bank (SC) and 15 with The Huntington National Bank. For Houston, the list of 504 holders is empty for dentists' offices. Houston has no franchise share on this page; Loan Analytics withholds a share built on too few loans. Lender figures for dental practices in Houston are drawn from SBA's holder field: in plain terms, credit goes to the present holder, for the record, which says nothing about lending standards.

Houston by county and fiscal year

117 approvals sit in Harris County, TX, 30 in Fort Bend County, TX and 20 in Montgomery County, TX. By year, FY2017 is the high mark for dental practices in Houston (29 loans, $26.4 million) and FY2022 the low (9 approvals, $11.9 million).

Floors and limits behind the Houston figures

Each dental office loan here is placed by its county of the project, which is matched by name with the 2023 areas; Houston therefore leaves out loans with a county that does not match. Houston has no charge-off rate for dental offices because too few disbursed loans stand behind it, which is not a finding of zero. No fewer than 14.3% of dental office approved loans in Houston were cancelled after approval inside FY2017 to FY2024 approvals, a floor; the matching ceiling is missing because the cohort behind it is too small for Loan Analytics to publish.

The questions a Houston study of dental offices must answer

For a planned dental offices site in Houston, the work tests demand before it tests anything else, as a matter of record, meaning new patient flow together with hygiene schedule fill. The 189 loans show lenders have funded dentists' offices there, for the record, which does not carry over to a supplied address. The appraisal deserves separate work: real estate against practice, and owner transition risk. Coverage must hold through a sluggish opening, because at least 14.3% of Houston dental office approvals were cancelled after approval. The cost side covers buildout against allowance as well as price paid against collections, and the dental office total can be placed against the middle half of Houston loans, $200,000 to $1.4 million.