SBA loans by business type
SBA Loans for Dental Practices
SBA lenders funded 17,992 7(a) and 504 loans for dental practices since FY2010 (1.7% of all SBA lending in the data), totaling $11.7B, an average of $649K per loan. The most active lender is Live Oak Banking Company.
By Mario Bailey · Source: SBA FOIA data, FY2010–2026 (as of 2026-03-31)
These figures are computed from the SBA's public 7(a) and 504 funded-loan records for Offices of Dentists (NAICS 6212). They cover funded loans, not applications, so a lender's activity here is a track-record signal — not a guarantee you will be approved. Of these, 17% are 504 loans (owner-occupied real estate and long-term equipment), which is why average loan sizes here run large. Among the 7(a) loans, the charge-off rate is 1.5% — a relative track-record signal, not a lifetime default rate (504 charge-offs are not reported in the SBA data); see our methodology. Estimate a payment with the SBA loan calculator, or check the basics with the eligibility checker.
Top SBA lenders in Health Care and Social Assistance, the sector that includes dental practices
Ranked by SBA loans funded across Health Care and Social Assistance (NAICS 62), the full sector that contains Offices of Dentists (NAICS 6212). The sector is broader than dental practices alone, and sector level is the granularity our per-lender track-record data supports, so every figure below, including the 7(a) charge-off rate, is sector-wide, not specific to dental practices. Charge-off is reported on 7(a) loans, never on 504 loans, so a lender without a reliable 7(a) sample in the sector shows “not reported,” never 0%. A lender active in your situation is a good place to start; talk to a few before you apply.
| # | Lender | Loans | Total funded | Average loan | 7(a) charge-off |
|---|---|---|---|---|---|
| 1 | Wells Fargo Bank National Association | 6,550 | $3.5B | $539K | 2.81% |
| 2 | The Huntington National Bank | 5,946 | $2.0B | $330K | 2.02% |
| 3 | JPMorgan Chase Bank, National Association | 5,245 | $1.1B | $214K | 3.70% |
| 4 | Live Oak Banking Company | 3,436 | $5.0B | $1.5M | 1.28% |
| 5 | U.S. Bank, National Association | 2,940 | $1.3B | $440K | 2.01% |
| 6 | PNC Bank, National Association | 2,740 | $1.5B | $544K | 3.69% |
| 7 | TD Bank, National Association | 1,996 | $597.3M | $299K | 3.66% |
| 8 | Manufacturers and Traders Trust Company | 1,950 | $273.6M | $140K | 4.36% |
| 9 | Celtic Bank Corporation | 1,394 | $774.2M | $555K | 6.46% |
| 10 | Newtek Bank, National Association | 1,332 | $607.6M | $456K | 0.00% |
SBA 7(a) and 504 loans, FY2010–2026, as of 2026-03-31, from the SBA's public record.
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Top states for dental practices SBA loans
| State | Loans | Total volume |
|---|---|---|
| California | 3,322 | $2.5B |
| Texas | 1,607 | $1.1B |
| Florida | 1,074 | $771.6M |
| Colorado | 553 | $536.6M |
| Ohio | 692 | $440.9M |
| New York | 867 | $395.2M |
| Washington | 513 | $349.7M |
| Michigan | 573 | $323.9M |
| North Carolina | 374 | $312.8M |
| Arizona | 452 | $311.3M |
SBA lending for dental practices by year
Funded SBA volume by approval fiscal year (FY2010–2026).
SBA loans for dental practices: frequently asked questions
Can you get an SBA loan for dental practices?
Yes. Lenders funded 17,992 SBA 7(a) and 504 loans for dental practices in the public data (as of 2026-03-31), 1.7% of all SBA lending, totaling $11.7B.
How much is a typical SBA loan for dental practices?
The average SBA loan for dental practices is $649K, across 17,992 funded loans. Your amount depends on use of funds, cash flow, and the lender.
Which SBA lenders fund dental practices?
Live Oak Banking Company, Wells Fargo Bank National Association, The Huntington National Bank are among the most active SBA lenders for dental practices by funded volume. A lender that regularly funds your situation is more likely to understand the deal.