Dental Laboratories: SBA business acquisition loan data
26 SBA 7(a) loans since FY2018 financed the purchase of an existing business classified as Dental Laboratories (NAICS 339116), totaling $27M. Median loan $585,200, 9% lower than the all-acquisition median.
Seller note standby terms and third-party consents are reviewed before closing.
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Reading this industry's numbers
- Deal size. The loan excludes the buyer's equity and any seller note and may include working capital. A loan request far above $1,306,225 would be in the top quarter of SBA acquisition loans in this industry.
- Share of all acquisitions. This industry is 0.1% of all SBA-financed business purchases, ranking #253 of 300 industries tracked.
- Geography. California leads with 5 loans; the top five states account for 58% of the industry's acquisitions.
- Jobs. Lenders reported 330 jobs supported across these loans, about 12.7 per acquisition, a rough proxy for the size of business changing hands.
Dental Laboratories acquisitions by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 2 | $601K | $300,500 | |
| FY2019 | 6 | $4.4M | $511,500 | |
| FY2020 | 2 | $2.6M | $1,276,600 | |
| FY2021 | 1 | $276K | $276,000 | |
| FY2022 | 2 | $1.9M | $933,000 | |
| FY2023 | 8 | $9.7M | $645,450 | |
| FY2024 | 1 | $657K | $657,200 | |
| FY2025 | 3 | $5.1M | $450,000 | |
| FY2026 | 1 | $1.8M | $1,756,000 |
How often do these acquisition loans fail?
Fewer than 20 Dental Laboratories acquisition loans are old enough to measure losses reliably, so no charge-off rate is shown. The benchmark across all SBA acquisition loans in the FY2018 to FY2021 cohort is 3.5% by count. Non-acquisition 7(a) loans (every other stated purpose) approved FY2018 to FY2021 charged off at 6.2%.
"Charged off" is the SBA's final loss action on a defaulted loan after collection efforts. It lags default by a year or more, which is why only older cohorts are measured. It is not the same as a delinquency rate, and loans still outstanding can still fail. See charge-off in the glossary.
Terms signed in the LOI shape the purchase agreement that follows.
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Top states
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | California | 5 | 19.2% | $7.9M | |
| 2 | New York | 3 | 11.5% | $4.8M | |
| 3 | Arizona | 3 | 11.5% | $784K | |
| 4 | Oregon | 2 | 7.7% | $3.7M | |
| 5 | New Jersey | 2 | 7.7% | $2.5M | |
| 6 | Florida | 2 | 7.7% | $1M | |
| 7 | Michigan | 2 | 7.7% | $189K | |
| 8 | Delaware | 1 | 3.8% | $2M | |
| 9 | Minnesota | 1 | 3.8% | $1.8M | |
| 10 | Oklahoma | 1 | 3.8% | $891K |
Most active lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Beacon Bank and Trust | 2 | 7.7% | $4.2M | |
| 2 | Live Oak Banking Company | 2 | 7.7% | $3.9M | |
| 3 | The Huntington National Bank | 2 | 7.7% | $3.7M | |
| 4 | First Bank | 2 | 7.7% | $1.6M | |
| 5 | America First Federal Credit Union | 2 | 7.7% | $399K | |
| 6 | ChoiceOne Bank | 2 | 7.7% | $189K | |
| 7 | First Business Bank | 1 | 3.8% | $4.6M | |
| 8 | BankVista | 1 | 3.8% | $1.8M | |
| 9 | PNC Bank, National Association | 1 | 3.8% | $1.4M | |
| 10 | NBT Bank, National Association | 1 | 3.8% | $975K |
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Questions buyers ask
How much is a typical SBA loan to buy a business in Dental Laboratories?
Median $585,200 across 26 acquisition loans (FY2018 to FY2026); the middle half ran $277,000 to $1,306,225. That is 9% lower than the $645,250 median for all SBA-financed acquisitions.
Which lenders finance the most Dental Laboratories acquisitions?
Beacon Bank and Trust (2), Live Oak Banking Company (2), The Huntington National Bank (2), First Bank (2), America First Federal Credit Union (2).
Are businesses in Dental Laboratories often franchised?
Rarely. Only 0% of acquisition loans in this industry involved a franchised business; most are independent operators.
How risky are SBA loans for buying a business in Dental Laboratories?
Too few loans are old enough to measure for this industry. The all-acquisition benchmark is 3.5%.
What loan terms are common for Dental Laboratories acquisitions?
Median term 10 years, average initial rate 8.30% at approval (blended across years and fixed/variable structures). Terms longer than 10 years usually indicate real estate was included in the purchase.
The purchase agreement decides what you bought, not the loan approval.
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