Tulsa: dental office lending

Across Tulsa, during FY2017 to FY2026, SBA approved 26 dental office loans, carrying $31.0 million in gross dollars. In Tulsa, dental office lending stands 9 of 39 among the asset classes; Tulsa stands at 60 of 562 against metro and micro areas ranked by dental office loans. At 1.16x, Tulsa's location quotient puts dental office above the nation. A typical Tulsa loan, measured by the median, is $696,400. The central half of Tulsa loans lies between $244,500 and $1.7 million, and the median comes to 1.37x the class median nationally. Tulsa dental loans lean large: a median of $696,400 at 1.37x, a middle half from $244,500 to $1.7 million, and a location quotient of 1.16x. Ninth locally (9 of 39) and 60 of 562 nationally, the class includes 7 SBA 7(a) loans worth $13.6 million held by Live Oak Banking Company. FY2020 shows 8 loans worth $5.4 million, then FY2022 and FY2026 both come in at 0 loans and $0.

No program split appears for Tulsa: a 7(a) or 504 count there would stand on under 5 loans, and Loan Analytics keeps such counts off the page. The franchise share of Tulsa loans is 0.00%, so no franchised units appear in the Tulsa record. Among the Tulsa holders Live Oak Banking Company holds $13.6 million across 7 SBA 7(a) loans. Tulsa's holder lines list present holders only. Tulsa borrowers learn nothing of lender standards here.

Tulsa: years, floors and limits

In Tulsa, a few years can be given: FY2020 records 8 loans totalling $5.4 million. In FY2022 and FY2026, Tulsa has 0 loans and $0. Tulsa's FY2026 is a full fiscal year. Held back for Tulsa: FY2017 to FY2019, FY2021 and FY2023 to FY2025. Those Tulsa years are never zeros. The Tulsa cancellation rate: withheld, fewer than 30 loans. Any Tulsa charge-off rate: not given, under 30 loans. Tulsa's cut-off is Loan Analytics' own. Tulsa has a short FY2017 to FY2021 cohort. Tulsa takes the July 2023 list. A loan joins Tulsa only through its county. Tulsa omits unmatched loans.

Tulsa: what to test

Tulsa dental sponsors should state if the project buys a practice, builds a suite or both, then lay out operatories, providers, the patient base and what each chair must produce for a loan near $696,400. The volatility of the printed years is a warning, so a stressed ramp should be shown. An appraiser values the premises apart from the practice, and the plan should give each its own income and value case.

SBA dental office loans in the Tulsa, OK Metro Area

Loans approved, FY2017 to FY2026	26
Gross dollars approved	$31.0 million
Median loan	$696,400
Middle half of loans, from	$244,500
Middle half of loans, to	$1.7 million
SBA 7(a) loans	withheld
SBA 504 loans	withheld
Franchise share of loans	0.00%
Rank among metro and micro areas for dental office loans	60 of 562
Rank of dental office among the classes in this area	9 of 39
Location quotient (share of loans against the national share)	1.16x
Median loan against the national median for the class	1.37x

Cancellation and charge-off

Cancelled after approval, FY2017 to FY2024 approvals (a floor)	withheld
Charged off to date, FY2017 to FY2021 disbursed loans (a floor)	withheld

Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.

SBA dental office loans approved in the Tulsa, OK Metro Area, by fiscal year

Fiscal year	Loans	Dollars
FY2017	withheld	withheld
FY2018	withheld	withheld
FY2019	withheld	withheld
FY2020	8	$5.4 million
FY2021	withheld	withheld
FY2022	0	$0
FY2023	withheld	withheld
FY2024	withheld	withheld
FY2025	withheld	withheld
FY2026	0	$0

Most active SBA lenders

SBA 7(a): lenders by loans approved (the current holder of each loan, as SBA reports it)
Lender	Loans	Dollars
Live Oak Banking Company	7	$13.6 million

Lenders with 5 or more loans here; a lender with fewer is not listed, and loans SBA or a receiver holds are counted but never listed as a lender.

Metro is the CBSA (metropolitan or micropolitan statistical area) of the loan's project county, July 2023 delineation (OMB Bulletin 23-01). The county is matched by name (manifests/ld2/county-cbsa-map.csv); a loan whose county cannot be placed in a 2023 CBSA is left out of every metro.

A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.

Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; areas from the U.S. Census Bureau CBSA delineation, July 2023 (OMB Bulletin 23-01); Loan Analytics metro cell MA-46140-C20.

Related feasibility study pages

Loan Analytics prepares the feasibility study a lender reads before it commits: for a dental office project in the Tulsa, OK Metro Area, financed under SBA 7(a), SBA 504, USDA Business and Industry or a conventional bank loan. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.

Daniel Smith, MAI

Dental Office Feasibility Study in the Tulsa, OK Metro Area