Dental Office Feasibility Study in the Oxnard-Thousand Oaks-Ventura, CA Metro Area

One county, a mid-table class

In Oxnard-Thousand Oaks-Ventura, dental office loans land at 5 of 39 within Oxnard-Thousand Oaks-Ventura's own classes, and the area is 41 of 562 on the national list for them. All 37 approved loans sit in Ventura County, together worth $30.7 million, and they cover FY2017 through FY2026. Dental office loans take a bigger slice of SBA lending in Oxnard-Thousand Oaks-Ventura than nationally (location quotient 1.48x). No metric here is flagged as distinctive, so the Oxnard-Thousand Oaks-Ventura cell reads as ordinary in size and unremarkable in mix, with its one clear feature in the paragraph on cancellations under.

The median is $503,300, level with the national median across dental offices at 0.99x. The interquartile band stretches from $350,000 to $1.1 million. Of the 37, 31 are 7(a) and 6 are 504. No franchise share is printed, and the page offers no reason. A practice buyer or buildout sponsor can use the band to see where a proposal would sit relative to what lenders have actually carried in the county. Everything above describes SBA loans in Oxnard-Thousand Oaks-Ventura; other money for dental office projects in Oxnard-Thousand Oaks-Ventura lies outside these figures.

Cancellations are the signal

Within the Oxnard-Thousand Oaks-Ventura loans approved from FY2017 to FY2024, no fewer than 15.6% were cancelled after approval; if loans still awaiting disbursement are also treated as cancelled, the figure holds at 15.6%. Neither is final, since open loans can still change. For a lender the lesson is that a noticeable share of approved dental loans in this metro never reached funding, which makes final terms and timeline worth testing. The charge-off rate is absent: its FY2017 to FY2021 cohort is under Loan Analytics' own threshold of 30 loans, so it is withheld and is never to be read as zero.

Three years are shown: FY2017: 6 loans and $3.4 million, FY2019 with 5 loans and $3.6 million, and FY2021 with 9 loans and $9.6 million, the largest. Wells Fargo Bank National Association holds 5 of the 7(a) loans, $3.6 million in SBA's records. The record is of holding, not of underwriting rules.

Oxnard-Thousand Oaks-Ventura: questions a study must answer

A dental project in Ventura County requires evidence of where its patients live, how many operatories the space holds, and what buildout and equipment cost relative to a loan near $503,300. Cover for the payment should be shown as a new or relocated practice ramps up, with a slower case beside it. Given the cancellation floor above, a lender will want proof that the plan still works at final pricing. The federal delineation draws Oxnard-Thousand Oaks-Ventura; and loans from counties Oxnard-Thousand Oaks-Ventura cannot place are absent from the totals.