Dental Office Feasibility Study in the San Francisco-Oakland-Fremont, CA Metro Area

Sizing up 184 San Francisco loans

Against the dental office class nationally and the San Francisco, CA area overall, its loan size is the San Francisco departure. SBA's loan files show 184 approved dental office loans in San Francisco, CA between FY2017 and FY2026, $195.2 million in gross approvals. A middle-of-the-road loan is $802,000; the middle half covers $386,175 to $1.5 million. Relative to the national median for dental office, San Francisco, CA stands at 1.58x, placing it above it.

Where San Francisco, CA stands, 3 of 39 in class

In San Francisco, CA the split by program reads 130 for 7(a) against 54 for 504, with 7(a) ahead. The 54 504 loans in San Francisco-Oakland-Fremont fund fixed assets, while the 130 under 7(a) can also reach working capital or a business purchase. Franchise loans are 0.00% of the San Francisco, CA record. The class holds 3 of 39 among San Francisco, CA industries, and San Francisco holds 7 of 562 among areas for dental office. At 1.63x on the location quotient, dental office is taking a bigger share of San Francisco lending than nationwide, which may mean depth and rivalry alike; a study checks that. By county, Alameda County, CA leads with 55 loans, then Contra Costa County, CA with 52 and San Francisco County, CA with 41.

Who holds the 184 San Francisco loans

San Francisco approvals were highest in FY2021 (45 loans, $49.2 million) and lowest in FY2023 (10 loans, $7.2 million). Among 7(a) holders of dental office loans, Live Oak Banking Company with 27 loans for $55.6 million; Wells Fargo Bank National Association with 17 loans for $13.8 million; U.S. Bank, National Association with 9 loans for $7.1 million. SBA reports 27 dental office loans under Live Oak Banking Company; the figure is a holding in San Francisco, and no requirement may be read from it. San Francisco-Oakland-Fremont 504 entries: Bay Area Employment Development Company, 22 loans, $21.3 million and The Mortgage Capital Development Corporation, 15 loans, $20.3 million. Cancellation after approval is 10.6% at minimum and 10.6% at most, for San Francisco approvals of FY2017 to FY2024. Do not read the missing San Francisco charge-off rate as a clean record; the cohort inside 184 loans is too small to state one.

The San Francisco study: demand, cost, coverage, appraisal at $1.5 million

The San Francisco demand test sizes nearby practices, the mix of procedures offered and patient panel growth, trade area by trade area across San Francisco, CA. The San Francisco build or purchase has to absorb clinical equipment, a ramp to full chair use and practice-management software, and San Francisco-Oakland-Fremont figures should replace national rules of thumb. A loan near $802,000 in San Francisco, CA still needs cash flow that holds through a slow year and a rate that stays high. Last comes the appraisal around San Francisco, CA, where operatory buildout, practice goodwill and the real estate each need support before the San Francisco-Oakland-Fremont appraiser asks. 184 San Francisco, CA loans frame the study here in San Francisco, yet approval of any San Francisco, CA project turns on that project (median $802,000) and its lender.

Limits behind 184 San Francisco-Oakland-Fremont loans

Each of the 184 loans in San Francisco, CA is assigned by project county. Counties such as Alameda County, CA join San Francisco-Oakland-Fremont by name under the July 2023 delineation. San Francisco cancellation (184 loans in all) covers FY2017 to FY2024 approvals for San Francisco; charge-offs cover FY2017 to FY2021 disbursements.