FLORIDA · NAICS NAICS 6211, 6212
Florida medical and dental practice deals routinely cross the $250,000 goodwill threshold, which brings the independent going-concern appraisal into scope. Studies tie procedure mix and payer schedules to service-area demographics across the state's high-growth metros and retiree submarkets, then test post-acquisition coverage under realistic productivity assumptions.
FEASIBILITY TRIGGER
Practice acquisitions routinely cross the $250,000 goodwill threshold triggering an independent going-concern appraisal; startups and relocations are projection-based.
From FY2010 through FY2026, Florida recorded 2,269 SBA-disbursed medical and dental practice loans across the 7(a) and 504 programs, representing $1.43 billion in approved financing at an average loan size of $629,000. The state sits at rank #3 of 38 for medical and dental practice SBA lending volume and holds 8.2% of the national medical and dental practice dollar pool. 7(a) accounts for 79.4% of the count, 504 for the rest, with 365 fresh approvals dated FY2024 or later.
| Disbursed loans (FY2010–FY2026) | 2,269 |
| Approved volume | $1.43 billion |
| Average loan size | $629,000 |
| 7(a) share | 79.4% |
| Approvals since FY2024 | 365 |
| State rank by loan count | #3 of 38 |
Among the 1,682 seasoned loans in this segment (approvals FY2010–FY2021), 5.0% reached adverse resolution — purchased, liquidated, or charged off. The national benchmark for medical and dental practice is 3.7%, against 7.3% across all industries. That performance runs above the national benchmark for this asset class, which is a factor lenders weigh in their credit decision.
Source: SBA 7(a) and 504 FOIA loan-level data, as of March 31, 2026. Disbursed loans only. See data methodology.
A 5.0% adverse-resolution rate against the national medical and dental practice benchmark of 3.7% tells credit committees to scrutinize revenue projections and coverage assumptions closely on Florida deals in this class. A rigorous third-party feasibility study — built on documented demand, defensible pricing, and stressed coverage — carries meaningful weight in that underwriting conversation, particularly at an average loan size of $629,000 across 2,269 loans.
Every Florida medical and dental practices project we underwrite follows the same lender ready process: independent market analysis, site and technical review, and financial projections tested against SBA SOP 50 10 8 standards. Our SBA feasibility study consultants guide explains scope, timing, deliverables, and what lenders and CDCs expect in the report.
Florida projects often fit SBA 504 where owner-occupied real estate anchors the deal, with the 50/40/10 structure delivering up to 90 percent financing at a fixed debenture rate, while SBA 7(a) covers acquisitions, working capital, and equipment. From July 4, 2026 eligible borrowers can combine 7(a) and 504 for up to $10 million in total program credit.
Florida's household and retiree growth keeps practice values rising, and most acquisitions cross the going-concern appraisal threshold.
For a national view of this asset class, see our medical and dental practice SBA feasibility overview, and read our related analysis in the medical and dental practice lending research on our blog.
Public SBA and CDC program records, cited as program evidence
SBA 504 through PeopleFund
Medical office real estate purchase, national program evidence
Arlington, Tarrant County, Texas
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