How Kansas City ranks for dental office

Ordered across metro and micro areas, Kansas City, MO-KS comes in 30 of 562; SBA approved 69 loans there from FY2017 to FY2026, worth $47.7 million. The dental office share of Kansas City's loans is 1.25x of the national share: Kansas City leans toward the class. Ranked inside Kansas City, the class sits 7 of 39, a big mix piece. The Kansas City area spans KS and MO, one count, several states.

The median Kansas City loan comes to $425,000, with its middle half between $125,000 and $882,000. The local median is 0.84x the class median nationally, so Kansas City borrowers take smaller loans. For Kansas City, SBA 504 accounts for 8 loans and SBA 7(a) for 61, a lender focus. Kansas City 504 borrowers pledge property and capital equipment. Franchise share of loans in Kansas City is 0.00%, a read on branding. Kansas City lenders will see it as background.

Kansas City lenders and counties behind the record

Under 7(a) in Kansas City, the leading holders recorded are UMB Bank, National Association, with 22 loans worth $14.5 million; and BayFirst National Bank, with 6 loans worth $753,000. No 504 holder is listed for Kansas City. Each Kansas City row is an SBA record. Kansas City lenders hold or held these loans. The Kansas City table describes files, not practices. Kansas City rows state no lender requirement. In Kansas City, by county, 23 loans sit in Johnson County, KS; next come Jackson County, MO with 22, Clay County, MO with 8 and Leavenworth County, KS with 6.

Year by year, Kansas City shows FY2017 (12 loans, $5.9 million), FY2018 (6 loans, $5.8 million), FY2021 (8 loans, $8.9 million), FY2023 (10 loans, $6.9 million), FY2024 (9 loans, $4.9 million), FY2025 (7 loans, $5.2 million) and FY2026 (7 loans, $5.9 million). FY2019, FY2020 and FY2022 are not published for Kansas City, as counts are thin, and Kansas City blanks say nothing about activity. FY2017 to FY2024 approvals in Kansas City saw cancellation after approval of at least 10.9%, a floor. Counting undisbursed loans, the ceiling is 10.9%. Kansas City carries no printed charge-off floor. A thin Kansas City cohort means unpublished. Every Kansas City figure follows the 2023 federal list, so each Kansas City loan is placed by county, while Kansas City leaves out unplaced counties.

A dental office study for Kansas City: the tests

In Kansas City, MO-KS, dental office projects are judged by a study, with this record as context. In Kansas City, a study has to test what the appraisal assumes for goodwill. Kansas City lenders need the study to show hygienist and associate payroll, line by line. Kansas City reviewers will check how many dentists already serve nearby households. Kansas City analysis should establish what share of patients carry insurance. For Kansas City, the study should address collections timing against billings. For Kansas City: demand, cost, coverage, value. Kansas City lenders get evidence, not a promise.

SBA dental office loans in the Kansas City, MO-KS Metro Area

Loans approved, FY2017 to FY2026	69
Gross dollars approved	$47.7 million
Median loan	$425,000
Middle half of loans, from	$125,000
Middle half of loans, to	$882,000
SBA 7(a) loans	61
SBA 504 loans	8
Franchise share of loans	0.00%
Rank among metro and micro areas for dental office loans	30 of 562
Rank of dental office among the classes in this area	7 of 39
Location quotient (share of loans against the national share)	1.25x
Median loan against the national median for the class	0.84x

Cancellation and charge-off

Cancelled after approval, FY2017 to FY2024 approvals (a floor)	10.9%
The same, counting loans still undisbursed as cancelled (a ceiling)	10.9%
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 Kansas City, MO-KS Metro Area, by fiscal year

Fiscal year	Loans	Dollars
FY2017	12	$5.9 million
FY2018	6	$5.8 million
FY2019	withheld	withheld
FY2020	withheld	withheld
FY2021	8	$8.9 million
FY2022	withheld	withheld
FY2023	10	$6.9 million
FY2024	9	$4.9 million
FY2025	7	$5.2 million
FY2026	7	$5.9 million

Most active SBA lenders

SBA 7(a): lenders by loans approved (the current holder of each loan, as SBA reports it)
Lender	Loans	Dollars
UMB Bank, National Association	22	$14.5 million
BayFirst National Bank	6	$753,000

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
Johnson County, KS	23
Jackson County, MO	22
Clay County, MO	8
Leavenworth County, KS	6

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-28140-C20.

Related feasibility study pages

Loan Analytics prepares the feasibility study a lender reads before it commits: for a dental office project in the Kansas City, MO-KS 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 Kansas City, MO-KS Metro Area