NEW YORK · NAICS NAICS 6211, 6212
New York medical and dental practice deals are typically goodwill-heavy acquisitions or projection-based startups and relocations. Studies translate procedure mix, payer contracts, and trade-area demand into defensible revenue, 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.
New York generated 1,723 SBA-disbursed medical and dental practice loans between FY2010 and FY2026, worth $757.8 million in approved 7(a) and 504 financing at an average of $440,000 per deal. Ranked #4 of 38 states for medical and dental practice SBA volume, the state captures 4.4% of national medical and dental practice dollars. 87.2% of the loans ran through 7(a) with 504 covering the remainder; 179 approvals have posted since FY2024.
| Disbursed loans (FY2010–FY2026) | 1,723 |
| Approved volume | $757.8 million |
| Average loan size | $440,000 |
| 7(a) share | 87.2% |
| Approvals since FY2024 | 179 |
| State rank by loan count | #4 of 38 |
Among the 1,418 seasoned loans in this segment (approvals FY2010–FY2021), 4.4% 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 4.4% 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 New York 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 $440,000 across 1,723 loans.
Every New York 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.
New York 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.
New York metro practice values keep most acquisitions above the goodwill threshold, and the state's specialist density anchors competitive analysis.
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.
Compare neighboring markets: New Mexico, North Carolina, Texas.
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