Dental Office Feasibility Study in Nebraska

Nebraska dental offices at the national benchmark

Nebraska dental office lending matches the national class almost exactly. SBA approved 47 loans for dental offices between FY2017 and FY2026, worth $43.7 million, with a median of $500,000 and a location quotient of 0.99x, both of which equal 0.99x the benchmark. The state stands 38 of 54 on volume, and dental offices rank 9 of 39 among Nebraska classes. The page therefore describes where the lending sits and who holds it.

A strong 504 presence

The 7(a) programme supplied 32 loans and 504 supplied 15, so 15 of the 47 loans are 504 loans. Nebraska Economic Development Corporation leads the 504 lenders with 13 loans worth $8.5 million, and Cornhusker Bank leads 7(a) with 5 loans worth $1.6 million. The central half of loans spans $244,450 to $1.2 million. Franchising does not play a part, at 0.00%. Douglas County has 13 loans and Lancaster 12, well ahead of Dodge with 4 and Platte and Sarpy with 3 each, so those two counties account for more than half of the loans. Approvals reached $12.7 million in FY2024.

Cancellations, and a loss rate we cannot print

For the dental loans approved in FY2017 to FY2024, cancellation stood at 10.0%, a floor that matches its ceiling. No loss rate is printed for Nebraska dentistry: the funded cohort is under the 30-loan floor, so Loan Analytics offers neither a figure nor a claim that none occurred. Yearly volume rose from 2 loans in the first year to 9 in FY2022, dipped to 2 in FY2025 and recovered to 5 in FY2026.

What the study must test

A dental feasibility study should establish the patient base for the site: households, payer mix, nearby practices and competing group offices. For a building project, the study should compare construction, equipment and technology against a median near $500,000 and test what happens if patient volume builds slowly after opening. For a practice acquisition, it should reconcile collections, hygiene capacity and the seller's patient retention with the loan. The appraisal will count on trailing production and the real estate, so show each separately. Because 504 lending is common here, down payment and the certified development company's debenture should appear in the sources and uses.