Dental Office Feasibility Study in the San Jose-Sunnyvale-Santa Clara, CA Metro Area

Sizing up 94 San Jose, CA loans

San Jose-Sunnyvale-Santa Clara shows 94 dental office loans and $127.6 million in approvals for FY2017 through FY2026. The cell stands out on loan size: the median loan is $1.0 million, 1.98x the national median for dental office, and half of the loans fall between $397,500 and $2.1 million.

Rank 22 of 562: mix and counties in San Jose-Sunnyvale-Santa Clara

By program, 69 of the 94 loans are SBA 7(a) and 25 are SBA 504. None of the loans, 0.00%, carries a franchise brand. Dental office is 3 of 39 among the classes inside San Jose-Sunnyvale-Santa Clara, and the area is 22 of 562 for the class. Its location quotient is 2.29x, so dental office takes a bigger share of local lending here than it does across the country. All 94 loans sit in Santa Clara County, CA.

San Jose-Sunnyvale-Santa Clara lenders, years and the $127.6 million record

By year, FY2021 tops the series with 20 loans and $44.9 million, while FY2022 trails with 7 and $10.1 million. FY2019 and FY2023 are not printed since Loan Analytics does not print a year with too few loans; a missing year is never an absence of lending. Under 7(a), Live Oak Banking Company holds 18 loans and $33.4 million, U.S. Bank, National Association holds 12 loans and $15.0 million, and Wells Fargo Bank National Association holds 6 loans and $5.4 million. Holder names come from SBA's record and carry no verdict on how any lender conducts its business. Under SBA 504, Capital Access Group, Inc. holds 9 loans and $13.7 million and The Mortgage Capital Development Corporation holds 7 loans and $7.7 million. At least 11.7% of approvals were cancelled, and Loan Analytics withholds both the matching ceiling and a charge-off rate for this cell. A withheld value is not zero.

What a dental office study in San Jose has to prove

A study here starts with new-patient flow, the mix of procedures offered and insurance participation; the 94 loans in the file do not answer those questions. The budget must carry clinical equipment, operatory build-out and imaging, each priced against local quotes. Test earnings at a $397,500 loan and again at a $2.1 million loan to see where coverage weakens. Appraisers should value imaging equipment, the real estate and practice goodwill one at a time, and the study should do the same. The 94 loans frame the study, while whether a loan is approved depends on the specific project and the lender who sees it.

How to read San Jose's $127.6 million

Each of the 94 loans is placed by its project county, Santa Clara County, CA among them, matched to the metro using the July 2023 delineation. The cancellation figure rests on approvals made between FY2017 and FY2024; the charge-off rate is withheld.