Dental Office Feasibility Study in the Washington-Arlington-Alexandria, DC-VA-MD-WV Metro Area

Dental practices across four jurisdictions

Washington-area dental offices drew 161 loans and $120.8 million across FY2017 to FY2026. The area is tenth among 562 for the class, and dental stands eighth of 39 locally. A 1.15x location quotient puts dental over its national share. Loan size marks the difference from dentistry elsewhere: the median of $454,500 is 0.90x the nationwide midpoint for the category, with the interquartile edges at $150,000 and $875,000. Practices here are a bit more common than usual and a bit cheaper to finance.

Programs, ownership and holders

The loans divide into 149 on 7(a) and 12 on 504. None is flagged franchised, shown as 0.00%, which fits practice ownership by dentists. Live Oak Banking Company is listed with 20 loans worth $32.6 million, then Wells Fargo Bank National Association and Bank of America, National Association with 11 each, worth $5.3 million and $4.0 million, Readycap Lending, LLC with 9 worth $3.6 million and First-Citizens Bank & Trust Company with 8 worth $11.5 million. That is SBA's holder attribution and not a profile of any institution. No 504 lender reaches enough loans to be named.

Jurisdictions and the years

The area stretches over the District of Columbia and parts of Maryland, Virginia and West Virginia. Montgomery County, MD has 31 loans, Fairfax 29, Loudoun 23 and Prince George's 22, ahead of the District with 15, Prince William with 13 and Frederick with 11. Each jurisdiction has its own licensing and board rules, so the study must name where the practice would sit. Yearly volume fell to 6 loans and $3.8 million in FY2020, then rose to 29 loans and $27.2 million in FY2025.

Reading the Orlando bounds

A floor of 13.0% describes cancellations among approvals from FY2017 to FY2024. Nothing is printed for the cancellation ceiling or for charge-offs, since the cohorts are small, and neither blank is a zero. DC-area membership is decided by project county names against the 2023 metro map. A dentistry study for this region has to weigh dentist supply against population in the trade area, insurance mix, buildout cost for operatories, the patient base if the loan funds an acquisition, how repayment sits against cash flow, and a valuation splitting goodwill from equipment and leasehold.