Dental Office Feasibility Study in the Jacksonville, FL Metro Area
What SBA's own loan files show about dental office lending in the Jacksonville, FL Metro Area, and what a feasibility study for a project there has to test.
Dental office loans in Jacksonville at a glance
Jacksonville reports FY2017 to FY2026 approvals: 37 dental office loans, $46.4 million gross. Jacksonville, on dental office loans, holds place 41 of 562 among areas. Inside Jacksonville, dental office places 10 of 39. Jacksonville's quotient is 0.90x: dental office below the national share.
Jacksonville loan sizes and mix
Jacksonville shows half its loans at or under $830,000, with the middle half spanning $416,000 up to $2.0 million. Jacksonville stands at 1.64x against the national class median. Jacksonville loans run above the national middle. In Jacksonville, loan size is the metric that stands apart for dental office, and a borrower should read the rest of the page through it. Jacksonville shows no 7(a) count. Jacksonville shows no 504 count either. Jacksonville: too few loans back either count. Jacksonville franchise share of loans is 0.00%. Jacksonville loans run larger. Jacksonville borrowers carry a heavier payment, which Jacksonville studies test.
Jacksonville loan holders and counties
Jacksonville SBA 7(a) holder: 8 loans, $12.8 million, Live Oak Banking Company. Holder in Jacksonville: Wells Fargo Bank National Association, 5 loans, $5.3 million, SBA 7(a). Listed Jacksonville names are current holders, per SBA. Jacksonville rows speak to files, not requirements. Jacksonville borrowers see holders, not lenders. Jacksonville, county by county: 21 in Duval County, FL, and 9 in St. Johns County, FL.
Jacksonville floors, limits and yearly record
Jacksonville years print only in part. FY2018 brings Jacksonville 5 loans, $6.5 million. FY2021 brings Jacksonville 5 loans, $5.3 million. Other Jacksonville years stay blank on thin counts. Jacksonville blanks are silence, never zero, and Jacksonville treats FY2026 as complete. Floors in Jacksonville follow Loan Analytics' own rule. The Jacksonville cohort holds fewer than 30 loans. Jacksonville disbursements cover FY2017 to FY2021. No Jacksonville cancellation floor prints. No Jacksonville charge-off floor prints either. Jacksonville's blank floor is no zero. Jacksonville borrowers learn little from it. Any Jacksonville rate that prints is a floor. Jacksonville follows July 2023 boundaries. Jacksonville places loans by project county. Jacksonville drops loans lacking a placeable county.
Jacksonville: what a study must prove
Jacksonville dental office requests start from the $830,000 median, a first yardstick in Jacksonville. A dental office study in Jacksonville starts with the patient base a practice can reach, measured against operatories, chairs and the hours the doctors will work. In Jacksonville, collections per visit and the mix of insurance and fee-for-service patients decide whether debt service is covered. A Jacksonville lender will want the equipment list, the build-out budget and the associate plan priced before it reads any projection. Daniel Smith, MAI, signs each Jacksonville study. Jacksonville demand and cost come first. In Jacksonville, coverage follows, then the appraisal. No Jacksonville approval is promised by any study.
SBA dental office loans in the Jacksonville, FL Metro Area
| Loans approved, FY2017 to FY2026 | 37 |
|---|---|
| Gross dollars approved | $46.4 million |
| Median loan | $830,000 |
| Middle half of loans, from | $416,000 |
| Middle half of loans, to | $2.0 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 | 41 of 562 |
| Rank of dental office among the classes in this area | 10 of 39 |
| Location quotient (share of loans against the national share) | 0.90x |
| Median loan against the national median for the class | 1.64x |
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.
SBA dental office loans approved in the Jacksonville, FL Metro Area, by fiscal year
| Fiscal year | Loans | Dollars |
|---|---|---|
| FY2017 | withheld | withheld |
| FY2018 | 5 | $6.5 million |
| FY2019 | withheld | withheld |
| FY2020 | withheld | withheld |
| FY2021 | 5 | $5.3 million |
| FY2022 | withheld | withheld |
| FY2023 | withheld | withheld |
| FY2024 | withheld | withheld |
| FY2025 | withheld | withheld |
| FY2026 | withheld | withheld |
Most active SBA lenders
| Lender | Loans | Dollars |
|---|---|---|
| Live Oak Banking Company | 8 | $12.8 million |
| Wells Fargo Bank National Association | 5 | $5.3 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 |
|---|---|
| Duval County, FL | 21 |
| St. Johns County, FL | 9 |
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-27260-C20.
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Loan Analytics prepares the feasibility study a lender reads before it commits: for a dental office project in the Jacksonville, FL 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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