GEORGIA · NAICS NAICS 6211, 6212
Georgia medical and dental practice projects turn on acquisition goodwill, patient ramp, and payer mix in a market that spans metro consolidation and multi-generation independent operators. Studies translate patient volume, procedure mix, reimbursement rates, and competitive density into defensible projections, and the appraisal file resolves intangible value where the deal crosses the goodwill threshold.
FEASIBILITY TRIGGER
Acquisitions routinely cross the $250,000 goodwill threshold triggering an independent going-concern appraisal; startups and relocations are projection-based.
SBA 7(a) and 504 lenders funded 805 medical and dental practice projects across Georgia between FY2010 and FY2026, moving $549.5 million in approved capital at an average ticket of $683,000. That volume places Georgia at #9 of 38 states measured for medical and dental practice SBA activity, or 3.2% of national medical and dental practice dollars. The 7(a) program carried 84.5% of the loan count, with 504 taking the balance, and 110 approvals have hit the pipeline since FY2024.
| Disbursed loans (FY2010–FY2026) | 805 |
| Approved volume | $549.5 million |
| Average loan size | $683,000 |
| 7(a) share | 84.5% |
| Approvals since FY2024 | 110 |
| State rank by loan count | #9 of 38 |
Among the 628 seasoned loans in this segment (approvals FY2010–FY2021), 6.2% 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 6.2% 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 Georgia 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 $683,000 across 805 loans.
Every Georgia 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.
Georgia projects most 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. SBA 7(a) covers acquisitions, working capital, and equipment, and from July 4, 2026 eligible borrowers can combine 7(a) and 504 for up to $10 million in total program credit.
Georgia's healthcare retail and practice market spans metro consolidation and multi-generation independent operators, and acquisition values in both keep most deals above the goodwill 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-assisted 97-year-old family-owned pharmacy
Operating three Sumter County locations, named a 2025 Georgia District award winner during National Small Business Week
Sumter County, Georgia
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