Dental Office Feasibility Study in the San Antonio-New Braunfels, TX Metro Area

San Antonio dentistry: more concentrated and larger than usual

Dental offices in the San Antonio area account for 77 loans and $77.5 million over FY2017 to FY2026, 25 of 562 areas for the category and seventh of 39 within the market. The location quotient of 1.66x is a clear tilt toward dentistry, and the median loan of $708,000 is 1.40x the national class midpoint, with quartiles of $265,000 and $1.3 million. Both ratios mark the cell as different from dentistry elsewhere: more of it, and bigger tickets.

Programs and lenders

Of the 77 loans, 69 are 7(a) and 8 are 504. Four 7(a) holders are named: PNC Bank, National Association with 12 loans worth $10.9 million, Live Oak Banking Company with 11 worth $23.2 million, BayFirst National Bank with 6 worth $885,000 and United Midwest Savings Bank National Association with 5 worth $6.1 million. Live Oak's dollars on fewer loans point to much larger average loans; that is a feature of SBA's record, not a view of its lending. The franchise share is withheld, as the loans behind it are too few, and it is not zero.

Counties and years

Bexar County holds 55 loans, Comal 9 and Guadalupe 5. Where yearly figures are printed, FY2018 shows 15 loans and $13.0 million, FY2020 6 loans and $7.1 million and FY2025 6 loans and $13.2 million; FY2022 and FY2024 show nothing because counts there are low, which is different from zero. A study should not extrapolate from a handful of loans a year.

Floors and the study

Cancellation reaches 9.4% or more among FY2017 to FY2024 approvals, which is a floor. The cancellation ceiling and the charge-off percentage are held back and are not zero. A study of a dental office in San Antonio should test dentist supply against population growth in the specific trade area, payer mix, the cost of operatories and imaging equipment at tickets this large, if the loan funds a start-up, a purchase of a practice or a new build, debt service coverage, and an appraisal that keeps the patient base distinct from the premises. Inclusion works county by county: a file belongs here only when the project county's name is among those in the 2023 metro delineation.