Dental Office Feasibility Study in the North Port-Bradenton-Sarasota, FL Metro Area

What SBA's own loan files show about dental office lending in the North Port-Bradenton-Sarasota, FL Metro Area, and what a feasibility study for a project there has to test.

North Port-Bradenton-Sarasota: dental office lending

For North Port-Bradenton-Sarasota, during FY2017 to FY2026, SBA logged 25 dental office loans, adding up to $25.3 million in gross dollars. Within North Port-Bradenton-Sarasota, dental office lending stands 8 of 39 among the asset classes; North Port-Bradenton-Sarasota is placed at 63 of 562 among every metro and micro area for dental office loans. At 0.92x, North Port-Bradenton-Sarasota's location quotient puts dental office below the nation. The median loan for North Port-Bradenton-Sarasota is $669,000. The middle half of North Port-Bradenton-Sarasota loans lies between $405,000 and $1.4 million, and the median comes to 1.32x the class median nationally. North Port-Bradenton-Sarasota dental loans are mid-sized and above the national class: a median of $669,000 at 1.32x, a middle half from $405,000 to $1.4 million, and a location quotient of 0.92x, close to parity. Eighth locally (8 of 39), the class posts 9 loans worth $8.4 million in FY2025, while FY2019, FY2022 and FY2026 all print 0 loans and $0. Manatee County holds 13 loans and Sarasota County 12.

For this metro, Loan Analytics does not print either program's count, 7(a) or 504. The franchise share of North Port-Bradenton-Sarasota loans comes to 0.00%, which means no franchised units figure in the North Port-Bradenton-Sarasota record. In North Port-Bradenton-Sarasota, no holder reaches five loans. North Port-Bradenton-Sarasota therefore identifies no lender. Across counties: Manatee County, FL has 13 loans; Sarasota County, FL has 12 loans.

North Port-Bradenton-Sarasota: floors, limits and years

North Port-Bradenton-Sarasota can show only some years: FY2025 has 9 loans worth $8.4 million. In FY2019, FY2022 and FY2026, North Port-Bradenton-Sarasota records 0 loans and $0. North Port-Bradenton-Sarasota's FY2026 is a full fiscal year. Not published for North Port-Bradenton-Sarasota: FY2017, FY2018, FY2020, FY2021, FY2023 and FY2024. North Port-Bradenton-Sarasota's withheld years are not zeros. The North Port-Bradenton-Sarasota cancellation rate: not given, fewer than 30 loans in the cohort. Any North Port-Bradenton-Sarasota charge-off rate: withheld, short of 30 loans in all. North Port-Bradenton-Sarasota uses Loan Analytics' own cut-off. North Port-Bradenton-Sarasota's FY2017 to FY2021 group is short. North Port-Bradenton-Sarasota sits on the 2023 July list. North Port-Bradenton-Sarasota admits a loan only by its county. North Port-Bradenton-Sarasota leaves out unmatched loans.

North Port-Bradenton-Sarasota: what a study must test

Dental plans for the North Port-Bradenton-Sarasota area should place the project in Manatee or Sarasota County, count the patients within reach and show the competing practices. Price a suite or purchase against a loan near $669,000, and test the production each chair needs. Printed years vary sharply, so show a stressed patient ramp and avoid relying on one strong year. Appraisers separate practice from premises, and so should the plan.

SBA dental office loans in the North Port-Bradenton-Sarasota, FL Metro Area

Loans approved, FY2017 to FY202625
Gross dollars approved$25.3 million
Median loan$669,000
Middle half of loans, from$405,000
Middle half of loans, to$1.4 million
SBA 7(a) loanswithheld
SBA 504 loanswithheld
Franchise share of loans0.00%
Rank among metro and micro areas for dental office loans63 of 562
Rank of dental office among the classes in this area8 of 39
Location quotient (share of loans against the national share)0.92x
Median loan against the national median for the class1.32x

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 North Port-Bradenton-Sarasota, FL Metro Area, by fiscal year

0246810FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025FY2026Loans, FY2019: 0Loans, FY2022: 0Loans, FY2025: 9Loans, FY2026: 0
Fiscal yearLoansDollars
FY2017withheldwithheld
FY2018withheldwithheld
FY20190$0
FY2020withheldwithheld
FY2021withheldwithheld
FY20220$0
FY2023withheldwithheld
FY2024withheldwithheld
FY20259$8.4 million
FY20260$0

Where the loans are, by county

CountyLoans
Manatee County, FL13
Sarasota County, FL12

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-35840-C20.

Loan Analytics prepares the feasibility study a lender reads before it commits: for a dental office project in the North Port-Bradenton-Sarasota, 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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