Offices of Dentists acquisitions in Florida: SBA loan data
Since FY2018, SBA lenders have approved 42 7(a) loans to buy an existing business classified as Offices of Dentists in Florida, totaling $45.2M. The median loan was $821,000. That is 1.2% of the 3,624 acquisition loans in Florida.
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How Offices of Dentists in Florida compares
| Measure | Offices of Dentists in Florida | Florida, all industries | Offices of Dentists, nationwide | All acquisitions |
|---|---|---|---|---|
| Median loan | $821,000 | $751,700 | $760,000 | $645,250 |
| Middle half of loans | $500,000 to $1,416,250 | $350,000 to $1,584,250 | $415,400 to $1,285,000 | $283,000 to $1,465,000 |
| Average initial rate | 7.76% | 8.14% | 7.06% | 7.76% |
| Median term | 10 years | 10 years | 10 years | 10 years |
| Charge-off rate (seasoned loans) | n/a | 5.7% | 0.4% | 3.5% |
| Loans in sample | 42 | 3,624 | 481 | 48,902 |
The median for loans to buy dental practices in Florida is $821,000, slightly above the $751,700 median for all Florida 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 $500,000 to $1,416,250, 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 7.76%, in line with the 7.76% national average.
Too few of these loans are old enough to measure a charge-off rate; the national rate for seasoned acquisition loans is 3.5%.
Loan size distribution
| Loan size | Offices of Dentists in Florida | All acquisitions |
|---|---|---|
| Under $350K | 19% | 30% |
| $350K to under $1M | 40% | 33% |
| $1M to under $2M | 24% | 19% |
| $2M and over | 17% | 17% |
Most loans to buy dental practices in Florida (60%) were under $1M, and the largest single band is $350K to under $1M at 40%, against 33% of all acquisition loans.
Bands are fixed dollar ranges chosen for comparison. They are not SBA program limits.
Lender concentration
United Midwest Savings Bank National Association made 24% of loans to buy dental practices in Florida, and the top three lenders together made 55%. 4 of the 17 lenders involved made three or more. A few banks carry most of the volume. That is a rough guide to how many banks have seen this kind of deal before.
Recent activity
In FY2025 and FY2026 combined, 12 loans to buy dental practices in Florida were approved. Fewer than 10 loans were approved in FY2023 and FY2024, so no change is computed. The median was $776,600, slightly below the $821,000 median across all years.
Offices of Dentists acquisition loans in Florida by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 6 | $3.2M | $565,000 | |
| FY2019 | 4 | $3.6M | $737,000 | |
| FY2020 | 1 | $500K | $500,000 | |
| FY2021 | 5 | $5.2M | $1,111,500 | |
| FY2022 | 5 | $7.5M | $970,000 | |
| FY2023 | 1 | $500K | $500,000 | |
| FY2024 | 8 | $11.2M | $1,355,000 | |
| FY2025 | 8 | $6.7M | $776,600 | |
| FY2026 | 4 | $6.8M | $1,255,850 |
How often do these acquisition loans fail?
Fewer than 20 Offices of Dentists in Florida 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.
Seller note standby terms and third-party consents are reviewed before closing.
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Top lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | United Midwest Savings Bank National Association | 10 | 23.8% | $11.3M | |
| 2 | United Community Bank | 7 | 16.7% | $7.7M | |
| 3 | Live Oak Banking Company | 6 | 14.3% | $9.3M | |
| 4 | JPMorgan Chase Bank, National Association | 3 | 7.1% | $549K | |
| 5 | The Huntington National Bank | 2 | 4.8% | $2.6M |
Top franchise brands
No franchise brands recorded in this combination.
Terms signed in the LOI shape the purchase agreement that follows.
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Questions buyers ask
How much do SBA loans for Offices of Dentists acquisitions in Florida run?
The median SBA 7(a) loan was $821,000 across 42 loans (FY2018 to FY2026), with the middle half between $500,000 and $1,416,250. 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 Florida?
United Midwest Savings Bank National Association (10), United Community Bank (7), Live Oak Banking Company (6), JPMorgan Chase Bank, National Association (3), The Huntington National Bank (2). Some lenders repeatedly finance this industry in this state; the counts above show which.
How often do Offices of Dentists acquisition loans fail in Florida?
Fewer than 20 loans in this combination are old enough to measure losses reliably, so no rate is shown. The national benchmark for all SBA acquisition loans is 3.5% (FY2018 to FY2021 cohort).
Are franchised businesses part of Offices of Dentists acquisitions in Florida?
None of the 42 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 Florida?
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 Florida was $821,000, and the middle half ran $500,000 to $1,416,250.
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 12 loans to buy dental practices in Florida in FY2025 and FY2026.
Which banks make SBA loans for a dental practice in Florida?
By loan count, FY2018 to FY2026: United Midwest Savings Bank National Association (10), United Community Bank (7), Live Oak Banking Company (6), JPMorgan Chase Bank, National Association (3), The Huntington National Bank (2). United Midwest Savings Bank National Association made 24% of loans to buy dental practices in Florida. 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.
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Related
- All Florida acquisitions
- Offices of Dentists nationally
- Offices of Dentists in California
- Offices of Dentists in Ohio
- Offices of Dentists in Texas
- Offices of Dentists in Michigan
- Offices of Dentists in Illinois
- Full-Service Restaurants in Florida
- Child Care Services in Florida
- All Other Specialty Trade Contractors in Florida
- Landscaping Services in Florida
- Insurance Agencies and Brokerages in Florida
- Plumbing, Heating, and Air-Conditioning Contractors in Florida
- Hotels and Motels in Florida
- Limited-Service Restaurants in Florida
Small samples move a lot: each loan in this combination is 2% of the count. Industry is the NAICS code the lender recorded. See the methodology.
Cite this data
SBA Acquisition Data, "Offices of Dentists in Florida: SBA acquisition loan data", https://sbaacquisitiondata.com/state/fl/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/fl/offices-of-dentists-621210.json.