SBA 504 Dental Office Feasibility Study in Georgia

Georgia dental office lending: dollars and loan size

Georgia dental offices received $20.7 million in gross SBA 504 dollars across 25 Georgia loans between FY2017 and FY2026. Half the Georgia loans sit at or below $849,000; the middle half of dental offices spans $363,000 up to $1.2 million. Against the national dental offices median under SBA 504, the Georgia median stands at 1.42x, a heavier lean for dental offices in Georgia. The franchise share is 0.00%; owners of Georgia dental offices operate independently.

Rank 18 among states and 12 of 39 among Georgia classes: that is how Georgia dental offices stand under SBA 504. Georgia dental offices reached their top year in FY2022 with 4 loans and $3.9 million, and FY2026 lists 3 loans worth $4.6 million. Georgia ranks mid-table for 504 dental lending, with loans above the national median, and the county table shows no county with more than a few loans.

Most Georgia loans sit with Capital Partners Certified Development Company, which holds 9 worth $8.7 million. After it, SBA shows Small Business Access Partners, Inc. with 7 loans worth $8.5 million and Florida Business Development Corporation with 7 loans worth $2.3 million. Capital Partners Certified Development Company opens SBA's list for Georgia dental offices; the 25 loans show holders past and present in Georgia, not how any lends. The Georgia loans cluster in Cobb, which has 2; Fulton has 2 and Greene has 2. Further down the list stand Gwinnett 2, Hall 2 and Houston 2.

What the Georgia outcome figures leave out

Among 25 loans in Georgia, Georgia approvals through FY2024 are too few, so the Georgia funded cohort cannot carry a loss rate. Both gaps mean unknown. Only loans in SBA's Georgia files appear.

What a Georgia dental study must show

Because the ratio is 1.42x, the study should account for loans near Cobb outsizing the national figure, perhaps through more operatories, a larger building or a practice purchase. A 504 loan funds the property, so show what it is worth to another dentist. Imaging, sterilization and digital records add cost, and a loan near $849,000 should map to a purchase list. Hygiene scheduling and insurance mix drive revenue per chair. Hygienist hiring is tight, so name the staff. The forecast should include a slow opening year.