SBA 7(a) Dental Office Feasibility Study in Arkansas

Single lender, solid ticket

Live Oak Banking Company is the only name in the Arkansas dental holder table, with 6 of the 33 loans and $9.8 million of the $24.2 million total. Loans centre on $550,000, 1.11x the nation's 7(a) dental midpoint, with a lower quartile of $150,000 and an upper quartile of $900,000. No Arkansas dental loan is a franchise (0.00%). The state is rank 38 by count nationwide, and dental office is placed 10 of 39 at home.

Where and when

Pulaski County leads with 9 loans, Craighead and Washington have 5 each, and Benton and Sebastian 3. The calendar is steady and small: 6 loans in FY2018, 2 loans in FY2017, FY2020, FY2021, FY2022 and FY2024, and 7 in FY2026, worth $4.6 million, the busiest year in the table. The holder shown is the current one as SBA lists it.

Blanks to respect

For Arkansas dental offices two lines stay blank, the share of approvals that never funded and the share of funded loans lost, because Loan Analytics shows no rate for a cohort under 30 loans, and both Arkansas cohorts are under it. The page can therefore offer no outcome floor, and a lender should not infer one from the absence. A reader weighing a project here has to rely on the borrower's own documents, the practice's records and the study itself.

What an Arkansas dental study has to test

Dental practices turn on the patient base and the dentist's production. Show the households within the draw area, how many dentists already serve them, and the insurance mix of the patients. For a purchase, match the price to the practice's collections and overhead, and estimate how many patients will remain after the sale. For a start-up, show the number of new patients per month and how many months pass before the practice covers its payment. Operatory build-out, imaging and sterilisation are costly and should be itemised. A midpoint near $550,000 implies that many loans are acquisitions or sizable fit-outs. Run the payment again as if a hygienist or an associate left. The appraisal should say what the space would bring to a user who is not a dentist.