OHIO · NAICS NAICS 6211, 6212
Ohio medical and dental practice projects span acquisitions, startups, and relocations across the Three-C metros, with goodwill values commonly above the SBA's $250,000 intangible threshold. Studies translate patient volume, payer mix, fee schedules, and capacity into projections that lenders can stress-test against ramp and coverage.
FEASIBILITY TRIGGER
Acquisitions routinely cross the $250,000 goodwill threshold triggering an independent going-concern appraisal; startups and relocations are projection-based.
Between FY2010 and FY2026, SBA lenders approved and disbursed 913 7(a) and 504 loans for medical and dental practice projects in Ohio, totaling $486.7 million in approved financing at an average of $533,000 per loan. Ohio ranks #6 of 38 states tracked for medical and dental practice SBA lending volume and accounts for 2.8% of national medical and dental practice SBA dollar volume. 89.4% of these loans were made under the 7(a) program, the remainder under 504. 95 loans have been approved since FY2024.
| Disbursed loans (FY2010–FY2026) | 913 |
| Approved volume | $486.7 million |
| Average loan size | $533,000 |
| 7(a) share | 89.4% |
| Approvals since FY2024 | 95 |
| State rank by loan count | #6 of 38 |
Among the 736 seasoned loans in this segment (approvals FY2010–FY2021), 4.3% 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 4.3% 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 Ohio 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 $533,000 across 913 loans.
Every Ohio 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.
Ohio projects most often pencil under SBA 504 because the 50/40/10 structure delivers up to 90 percent financing on owner-occupied real estate 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.
Offices of dentists average $1,286,133 across 55 trailing-year Ohio loans, and Ohio Statewide Development Corporation's book also includes Columbus concierge practice LehmanMD.
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: North Carolina, Oregon, Texas.
Public SBA and CDC program records, cited as program evidence
SBA 504 through Ohio Statewide Development Corporation with PNC Bank
Dental practice real estate, 2025
Westerville, Franklin County, Ohio
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