SBA loans for offices of dentists
NAICS 621210 · Program that usually fits: 7(a)
Dental practice purchases are a common 7(a) loan, and some lenders specialize in them. Healthcare-focused lenders tend to offer the longest terms and the most flexible equity requirements.
What borrowers use the money for
- Buying a practice
- Starting a new practice
- Equipment and imaging
- Buying the office building
Example: a $900,000 loan
At today's maximum variable 7(a) rate of 10.00% over 10 years, the payment would be about $11,894 a month. Most well-qualified borrowers get a lower rate. Try your own numbers.
Today's rate caps
| Loan amount | Maximum spread | Maximum variable rate today |
|---|---|---|
| $50,000 or less | Prime + 6.5 | 13.50% |
| $50,001 to $250,000 | Prime + 6.0 | 13.00% |
| $250,001 to $350,000 | Prime + 4.5 | 11.50% |
| Over $350,000 | Prime + 3.0 | 10.00% |
Questions
Can a dental practice business get an SBA loan?
Yes, if the business is for-profit, meets SBA size standards for NAICS 621210, and can show it can repay. Dental practice purchases are a common 7(a) loan, and some lenders specialize in them.
What is the NAICS code for offices of dentists?
NAICS 621210. Lenders use it to check SBA size standards and eligibility.
Sources: SBA 7(a) terms, conditions and maximum variable rates; Federal Reserve H.15 selected interest rates (bank prime loan rate); October 2026 SBA 504 debenture pricing, as published by CDCs; SBA FOIA 7(a) and 504 loan-level data.