SBA 504 Dental Office Feasibility Study in Colorado

The Colorado dental office (SBA 504) record at a glance

For dental office projects in Colorado, SBA recorded 31 approvals, $29.9 million in gross dollars, in Colorado under 504 across FY2017 to FY2026. Colorado's dental office volume under SBA 504 ranks 15 nationally on loan count, while dental office is 7 of 39 within Colorado's asset classes. Typical size: $726,000. Compared with SBA 504 dental office loans in the rest of the nation, Colorado runs at 1.21x on that median, a bigger ticket size. The middle half of Colorado approvals run from $355,500 to $1.4 million. The franchise share of Colorado loans is 0.00%. No dental office metric among the 31 loans lies far from the Colorado all-class figures or the national class, so for Colorado the lender names and the local spread tell you more.

Institutions, counties and timing in Colorado

The certified development companies holding the most Colorado dental office loans are B:Side Capital at $20.7 million across 23 loans. The Colorado dental office ranking follows whoever owns each Colorado loan; the originator of those 23 loans may differ. Within Colorado, the counties in SBA's files are El Paso with 8, Larimer with 4, Weld with 4 and Boulder with 3. On the calendar for Colorado, approvals peaked at 9 loans, worth $9.5 million, in FY2021, with FY2026 at 1 loan and $1.4 million, whereas FY2017 began with 2 loans.

Colorado: outcomes, read as minimums for dental office

The Colorado dental office cancellation rate is not printed, since the FY2017 to FY2024 cohort falls short of 30 loans; read the Colorado gap as withheld, not as zero dental office cancellations. Of the Colorado dental office loans disbursed across FY2017 to FY2021, the charge-off group drawn from 31 loans is too thin to publish; so no Colorado figure appears here, and the blank should not be taken as a zero. Readers needs to take these Colorado rates, drawn from 31 loans, as minimums, never as final outcomes. No coding limitation applies to the dental office numbers for Colorado.

Testing a Colorado dental office loan request

With 504, each of the 31 Colorado dental office projects is financed in layers: with a Colorado slice from a certified development company, a second from a separate dental office lender, and the balance from the Colorado borrower; the dental office study should show how the whole Colorado structure is covered. Patient demand for a Colorado dental office depends on practice dentists per area, the age mix and plan coverage, and the study tests. Build-out of a Colorado dental office is dominated by equipment, and the budget splits building from equipment spending. Debt service coverage for Colorado dental office should be shown at the $726,000 median, then near $1.4 million as the upper end of the Colorado middle half, alongside a slower dental office scenario beside each. An appraisal of a dental office needs the property valued on its own and the practice valued on its own, and the study keeps the two apart. A borrower that approaches B:Side Capital can treat its 23 loans here only as background, because the totals from SBA list loans and say nothing of terms.

What Colorado institutions backed before is record, 31 loans' worth; a dental office study from Daniel Smith, MAI, for Colorado speaks to the project and the site, while these Colorado figures promise no approval.