What is the SBA loan default rate for Offices of Dentists?

At 4.6%, Offices of Dentists sits well below the 15.4% all industry SBA default rate (charged off as a share of resolved loans), low default risk relative to other SBA industries. The rate is measured on the resolved loans (paid in full or charged off), loans that have reached a final outcome. 1473 lenders actively fund this industry.

Which SBA program is best for Offices of Dentists?

The SBA 7(a) program is the most commonly used for Offices of Dentists businesses, accounting for the majority of approved loans. The SBA 504 program is popular for larger real estate and equipment purchases.

NAICS 621210Healthcare & Social ServicesLending Growing

How Much Can Offices of Dentists Businesses Get in SBA Loans?

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36,078 SBA loans totaling $16.9B have been approved for offices of dentists businesses (NAICS 621210). The average approved SBA loan is $468K, which is 37% above avg the $340K national average. 1473 active lenders fund this industry with a 4.6% default rate on the matured 2018-2021 loan cohort.

Low default risk4.6% vs 15.4% all industry avg

At 4.6%, Offices of Dentists sits well below the 15.4% all industry SBA default rate (charged off as a share of resolved loans), low default risk relative to other SBA industries. The capital source prices this risk into rate and structure.

Quick Answer

NAICS 621210 (Offices of Dentists) received 36,078 SBA loans worth $16.9B across 5+ states. Average loan $468K, average term 171 months, 4.6% default rate (resolved loan basis).1473 active SBA approved lenders fund this industry. Most offices of dentists loans use the SBA 7(a) program. There are approximately 136,140 U.S. establishments in this industry (Census 2022).

36,078

Total SBA Loans

$16.9B

Total Volume

$468K

Avg Loan Size

37% above avg

1,473

Active Lenders

171 mo

Avg Term

32% above avg

200,055

Jobs Supported

Is SBA Lending Growing for Offices of Dentists?+51% growth

1,308

1,221

968

779

718

1,180

672

598

780

901

$831.0M

$840.1M

$717.3M

$603.0M

$509.4M

$1.2B

$613.7M

$542.1M

$671.5M

$822.1M

Which SBA Program Do Offices of Dentists Businesses Use Most?

SBA 7(a)30,190 (84%)

SBA 5045,889 (16%)

What Is the Best SBA Loan for Offices of Dentists?

SBA 7(a)

The most widely used SBA program for offices of dentists businesses: flexible terms, multiple use cases

Industry avg loan: $468K

Typical term: 171 months

Historical avg rate: 6.35%

1473+ lenders active in this industry

Default rate (2018 to 21 matured cohort): 4.6%

Where Are Offices of Dentists SBA Loans Most Common?

6,815 loans

$3.6B

3,012 loans

$1.6B

1,901 loans

$605.6M

1,763 loans

$992.3M

1,254 loans

$623.7M

SBA Lending Activity in Offices of Dentists

1,473 SBA lenders have funded 36,078 loans to offices of dentists businesses (NAICS 621210). Which lender approves your deal depends on your location, loan size, credit profile and time in business, not on who funded someone else. PeerSense makes the introduction.

Loans funded

36,078

Active lenders

1,473

Total volume

$16.9B

Avg loan size

$468K

Browse all SBA lenders

Offices of Dentists Industry Context

U.S. Establishments

136,140

U.S. Census Bureau · 2022

U.S. Employment

27,722,000

BLS · 2026

SBA Penetration

26.50%

SBA loans per establishment

Talk to PeerSense

PeerSense sources capital for offices of dentists businesses. The capital source sets the terms. No upfront fee. Talk to PeerSense. Referral fee at closing.

Retainers

10%

Down with SBA 7(a)

25yr

Terms Available

Talk to PeerSense (317) 452-6990

Talk to PeerSense about financing a Offices of Dentists business.

Tell us your loan amount and use of funds. PeerSense sources capital. The capital source sets the terms.

SBA 7(a) / 504: PeerSense will reach out. No obligation.

How big is your deal?

Where are you in the deal?

Equity or down payment ready

Credit score

Timeline to close

SBA already on the books?

What best describes your company

Liquid funds available outside this deal

Where is the property or business

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Referral fee realized at closing · Or call (317) 452 6990

How Does SBA Lending Work for Offices of Dentists Businesses?

Across all SBA loan programs, 36,078 loans have been approved for businesses classified under NAICS 621210 (Offices of Dentists), representing $16.9B in total capital deployed. The average approved loan of $468K is 37% above avg the national SBA average of $340K, with typical repayment terms of 171 months.

SBA lending for offices of dentists is accelerating. Loan volume has grown approximately 51% over recent fiscal years. This upward trajectory suggests expanding access to capital and growing lender confidence in this sector. Peak activity occurred in FY2016.

The industry sees a balanced mix of SBA programs, with 16% of loans using the 504 program for fixed asset acquisition and the majority using 7(a) for its flexibility across working capital, equipment, and business acquisition uses. SBA 7(a) loans offer up to $5M with terms up to 25 years for real estate.

Talk to PeerSense about a offices of dentists file. The capital source sets the terms. The desk fee is paid at closing, never upfront.

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Frequently Asked Questions: Offices of Dentists SBA Loans

What is the average SBA loan size for offices of dentists businesses?

Based on 36,078 approved SBA loans, the average loan size for offices of dentists (NAICS 621210) is $468K. This compares to the national SBA average of $340K across all industries.

Which SBA loan program is best for a offices of dentists business?

SBA 7(a) is the most commonly used SBA program for offices of dentists businesses. The most widely used SBA program for offices of dentists businesses: flexible terms, multiple use cases. PeerSense can analyze your specific deal to determine the optimal program.

How many lenders fund SBA loans for offices of dentists?

1473 different SBA approved lenders have funded loans in this industry. Not all lenders are equally active in every industry. Talk to PeerSense. The capital source sets the terms for a offices of dentists file.

What states have the most SBA lending for offices of dentists?

CA leads with 6,815 SBA loans and $3.6B in total volume for offices of dentists businesses. TX, NY, FL also show strong lending activity in this sector.

How does PeerSense help offices of dentists businesses get SBA loans?

PeerSense is a capital advisory firm. Talk to PeerSense about a offices of dentists file. The capital source sets the terms. No upfront fee. The desk is paid at closing.

Related Healthcare & Social Services Industries

Child Day Care Services

29,236 loans · N/A

Avg: $529K

Offices of Physicians (except Mental Health Specialists)

25,641 loans · N/A

Avg: $452K

Offices of Chiropractors

20,511 loans · N/A

Avg: $166K

Home Health Care Services

9,391 loans · N/A

Avg: $355K

Offices of Physical, Occupational and Speech Therapists, and Audiologi

8,088 loans · N/A

Avg: $256K

Offices of All Other Miscellaneous Health Practitioners

7,476 loans · N/A

Avg: $276K

Data aggregated from SBA loan records (1992 to 2025). Offices of Dentists defined by NAICS code 621210. Not financial advice. PeerSense sources capital through a curated network of commercial lenders and capital sources. Consult a lending professional before making financial decisions.