Offices of Dentists acquisitions in California: SBA loan data
Since FY2018, SBA lenders have approved 77 7(a) loans to buy an existing business classified as Offices of Dentists in California, totaling $89.5M. The median loan was $835,000. That is 1.5% of the 5,184 acquisition loans in California.
- Loans, FY2018-FY2026
- 77
- Median loan
- $835,000 (middle half $476,600 to $1,595,000)
- Top lender
- Live Oak Banking Company (34%, 26 loans)
- Charge-off, FY2018-FY2021 loans
- 0.0% (all-acquisition: 3.5%)
- FY2026 loans (latest complete year)
- 9 (-36% vs FY2025)
SBA lenders approved 77 7(a) loans to buy a business classified as Offices of Dentists in California from FY2018-FY2026, with a median of $835,000 and a middle half of $476,600 to $1,595,000. Live Oak Banking Company made 34% of them. FY2026 had 9 loans, down 36% from FY2025.
Seller note standby terms and third-party consents are reviewed before closing.
Submit Transaction DetailsSBA-financed deals. All 50 states.
How Offices of Dentists in California compares
| Measure | Offices of Dentists in California | California, all industries | Offices of Dentists, nationwide | All acquisitions |
|---|---|---|---|---|
| Median loan | $835,000 | $600,000 | $760,000 | $645,250 |
| Middle half of loans | $476,600 to $1,595,000 | $296,225 to $1,395,000 | $415,400 to $1,285,000 | $283,000 to $1,465,000 |
| Average initial rate | 6.94% | 7.87% | 7.06% | 7.76% |
| Median term | 10 years | 10 years | 10 years | 10 years |
| Charge-off rate (seasoned loans) | 0.0% | 4.1% | 0.4% | 3.5% |
| Loans in sample | 77 | 5,184 | 481 | 48,902 |
The median for loans to buy dental practices in California is $835,000, above the $600,000 median for all California acquisitions, slightly above the $760,000 median for Offices of Dentists acquisitions nationwide and above the $645,250 median for all SBA-financed acquisitions nationally.
The middle half runs $476,600 to $1,595,000, against $283,000 to $1,465,000 nationally; the median term is 10 years, the same as the national median; the average initial rate is 6.94%, below the 7.76% national average.
None of the seasoned loans were charged off, against 4.1% for all California acquisitions, 0.4% for Offices of Dentists acquisitions nationwide and 3.5% for all acquisition loans.
Loan size distribution
| Loan size | Offices of Dentists in California | All acquisitions |
|---|---|---|
| Under $350K | 13% | 30% |
| $350K to under $1M | 45% | 33% |
| $1M to under $2M | 27% | 19% |
| $2M and over | 14% | 17% |
Most loans to buy dental practices in California (58%) were under $1M, and the largest single band is $350K to under $1M at 45%, against 33% of all acquisition loans.
Bands are fixed dollar ranges chosen for comparison. They are not SBA program limits.
Lender concentration
Live Oak Banking Company made 34% of loans to buy dental practices in California, and the top three lenders together made 47%. 5 of the 29 lenders involved made three or more. Repeat experience is spread across many banks. That is a rough guide to how many banks have seen this kind of deal before.
Recent activity
In FY2025 and FY2026 combined, 23 loans to buy dental practices in California were approved. That is 130% more than the 10 approved in FY2023 and FY2024. The median was $720,000, slightly below the $835,000 median across all years.
Offices of Dentists acquisition loans in California by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 6 | $5.2M | $835,900 | |
| FY2019 | 6 | $8.3M | $1,116,000 | |
| FY2020 | 9 | $6.6M | $457,000 | |
| FY2021 | 18 | $25.1M | $872,500 | |
| FY2022 | 5 | $6.2M | $1,395,000 | |
| FY2023 | 4 | $6.7M | $1,917,100 | |
| FY2024 | 6 | $6.5M | $828,450 | |
| FY2025 | 14 | $17.8M | $740,000 | |
| FY2026 | 9 | $7.1M | $476,600 |
How often do these acquisition loans fail?
Of the 39 Offices of Dentists in California acquisition loans approved from FY2018 to FY2021 (the seasoned cohort, every loan at least about five years old), none have been charged off by the SBA. 27 have already been paid in full.
For comparison, Offices of Dentists in California has none charged off, against the 3.5% average across all SBA 7(a) acquisition loans in the same cohort. 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.
That draft favors the seller. We review it for the buyer, line by line.
Submit Transaction DetailsAlex Lubyansky leads every engagement.
Top lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Live Oak Banking Company | 26 | 33.8% | $39.3M | |
| 2 | United Midwest Savings Bank National Association | 5 | 6.5% | $11.3M | |
| 3 | The Huntington National Bank | 5 | 6.5% | $2.6M | |
| 4 | U.S. Bank, National Association | 3 | 3.9% | $4.9M | |
| 5 | First-Citizens Bank & Trust Company | 3 | 3.9% | $4.7M |
Top franchise brands
No franchise brands recorded in this combination.
Terms signed in the LOI shape the purchase agreement that follows.
Request Engagement AssessmentFree consultation. All 50 states.
Questions buyers ask
How much do SBA loans for Offices of Dentists acquisitions in California run?
The median SBA 7(a) loan was $835,000 across 77 loans (FY2018 to FY2026), with the middle half between $476,600 and $1,595,000. The loan excludes the buyer's equity and any seller note and may include working capital, so the price is usually higher than the loan.
Which banks finance Offices of Dentists acquisitions in California?
Live Oak Banking Company (26), United Midwest Savings Bank National Association (5), The Huntington National Bank (5), U.S. Bank, National Association (3), First-Citizens Bank & Trust Company (3). Some lenders repeatedly finance this industry in this state; the counts above show which.
How often do Offices of Dentists acquisition loans fail in California?
Of 39 seasoned loans (FY2018 to FY2021), none were charged off, against the 3.5% rate for all SBA acquisition loans. With a sample this size, treat the figure as a direction, not a precise rate.
Are franchised businesses part of Offices of Dentists acquisitions in California?
None of the 77 loans in this combination were recorded with a franchise brand.
How much do you need down for an SBA loan to buy a dental practice in California?
The SBA requires the buyer to make an equity injection, commonly 10% of total project cost, and a lender may ask for more. The SBA file does not record injections, so the figures here are the financed portion: the median for loans to buy dental practices in California was $835,000, and the middle half ran $476,600 to $1,595,000.
How long does an SBA acquisition loan take?
For a change-of-ownership 7(a) loan, 45 to 90 days from application to close is typical. It varies by lender and by how quickly third-party reports, such as the business valuation and appraisal, come back. The SBA file records approval dates, not application dates, so this site cannot measure it. Lenders approved 23 loans to buy dental practices in California in FY2025 and FY2026.
Which banks make SBA loans for a dental practice in California?
By loan count, FY2018 to FY2026: Live Oak Banking Company (26), United Midwest Savings Bank National Association (5), The Huntington National Bank (5), U.S. Bank, National Association (3), First-Citizens Bank & Trust Company (3). Live Oak Banking Company made 34% of loans to buy dental practices in California. Counts show past approvals only and do not predict whether a lender will approve a particular deal.
Terms signed in the LOI shape the purchase agreement that follows.
Request Engagement AssessmentAlex Lubyansky leads every engagement.
Advertise on this site: lenders, brokers, valuation and insurance firms. See options
Related
- All California acquisitions
- Financing one? How to get an SBA loan to buy a dental practice
- Offices of Dentists nationally
- Offices of Dentists in Ohio
- Offices of Dentists in Texas
- Offices of Dentists in Florida
- Offices of Dentists in Michigan
- Offices of Dentists in Illinois
- Full-Service Restaurants in California
- Beer, Wine, and Liquor Retailers in California
- Limited-Service Restaurants in California
- Gasoline Stations with Convenience Stores in California
- Hotels and Motels in California
- Convenience Retailers in California
- General Automotive Repair in California
- Supermarkets and Other Grocery Retailers in California
Small samples move a lot: each loan in this combination is 1% of the count. Industry is the NAICS code the lender recorded. See the methodology.
Cite this data
SBA Acquisition Data, "Offices of Dentists in California: SBA acquisition loan data", https://sbaacquisitiondata.com/state/ca/offices-of-dentists-621210 (data as of September 30, 2026). Source: U.S. Small Business Administration 7(a) loan file, data.sba.gov. Aggregated by SBA Acquisition Data.
The figures on this page are also published as JSON at https://sbaacquisitiondata.com/data/state/ca/offices-of-dentists-621210.json.