PENNSYLVANIA · NAICS NAICS 6211, 6212
Pennsylvania medical and dental practice projects run across acquisitions, partner buy-ins, startups, and relocations. Studies translate patient volume, payer mix, fee schedules, and ramp into projections, and reconcile goodwill-driven going-concern appraisal triggers against the lender's coverage tests.
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 547 medical and dental practice projects across Pennsylvania between FY2010 and FY2026, moving $280.4 million in approved capital at an average ticket of $513,000. That volume places Pennsylvania at #14 of 38 states measured for medical and dental practice SBA activity, or 1.6% of national medical and dental practice dollars. The 7(a) program carried 89.9% of the loan count, with 504 taking the balance, and 49 approvals have hit the pipeline since FY2024.
| Disbursed loans (FY2010–FY2026) | 547 |
| Approved volume | $280.4 million |
| Average loan size | $513,000 |
| 7(a) share | 89.9% |
| Approvals since FY2024 | 49 |
| State rank by loan count | #14 of 38 |
Among the 446 seasoned loans in this segment (approvals FY2010–FY2021), 4.7% 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 4.7% 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 Pennsylvania 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 $513,000 across 547 loans.
Every Pennsylvania 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.
Pennsylvania 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, and PIDA's low-interest second-mortgage loans stack directly behind the 504. 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.
Dental offices drew $15.4 million across 20 calendar 2025 Pennsylvania loans, and home health added $20.2 million across 36 more.
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: Oregon, Rhode Island, Texas.
Public SBA and CDC program records, cited as program evidence
Seedcopa-documented SBA 504 of $1,524,000 within a $3,716,000 project with Penn Community Bank
Fiscal 2024 Seedcopa-documented financing
New Hope, Bucks County, Pennsylvania
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