Dental Office Feasibility Study in the Orlando-Kissimmee-Sanford, FL Metro Area

High tickets and high cancellations in Orlando dentistry

Orlando dental offices borrow large sums: the median is $748,500, 1.48x the national figure, with quartile edges at $368,775 and $1.4 million. SBA recorded 88 loans from FY2017 to FY2026, $98.0 million gross, which makes the average loan large. The area ranks 23 of 562 nationally, dental offices are 6 of 39 among local classes, and the location quotient is 1.18x. Orange County has 43 loans, Seminole 25, Lake 14 and Osceola 6.

Cancellation is the next figure to read. At least 18.6% of approvals through FY2024 were cancelled, and its ceiling, which adds undisbursed loans, is an identical 18.6%. That is high, and a study should document the status of the transaction.

Programs and holders

Of the 88 loans, 70 carry the 7(a) label and 18 the 504 label. No franchise flag appears (0.00%). On the 504 side Florida First Capital Finance Corporation, Inc. holds 10 loans worth $10.3 million. Bank holders: United Community Bank (SC) with 18 loans and $18.1 million; Live Oak Banking Company with 13 loans and $29.4 million; Wells Fargo Bank National Association ($5.4 million across 8 loans); Bank of America, National Association ($2.8 million across 6 loans). Live Oak's total is large for its count, a sign of bigger tickets. These rows record holdings and describe no lender's present criteria.

What the record omits

The charge-off rate for Orlando dental is withheld by Loan Analytics, along with several yearly values. None of the withheld figures is zero, and we offer no guess. Whoever writes the Orlando study must build the downside case unaided, with a slower patient ramp, lower collections or a longer road to a full schedule.

Orange County has 43 loans, Seminole 25, Lake 14 and Osceola 6, so Orange County holds nearly half of the loans. An Osceola site works from a very small local record, and its study should lean on patient-demand evidence of its own. Because the median is so large, a request below $368,775, the lower quartile edge, should explain why the project is smaller than most, and one above $1.4 million should explain what it buys.

An Orlando practice study has to compare chairs with patient volume, describe payers and associate pay, price goodwill if the project is an acquisition, and show coverage on a request near $748,500. Dental practices in Orange, Seminole, Lake and Osceola counties are tallied when the July 2023 delineation lists the county on the loan; a practice loan with an unlisted county sits in no metro, and 88 is a floor.