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Texas dental practice SBA lending has one of the strongest performance profiles in the entire SBA dataset: zero charge-offs across 399 loans FY2020-2025, $1.04 million average loan size, and +16% YoY growth. Second-largest state for dental SBA behind California.
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SBA 7(a) loans to dental practices operators in Texas, fiscal years 2020 through December 2025. Pulled from SBA FOIA 7(a) dataset.
Texas ranks 2nd nationally for dental practices SBA volume. The leader (CA) carries roughly 1.83× Texas's loan count. Top 8 states account for about half of all national dental practices SBA volume.
The ten banks that have approved the most SBA 7(a) loans to dental practices operators in Texas FY2020-2025. Pulled directly from SBA FOIA data. Loan count alone doesn’t capture fit for your specific deal — volume leaders and specialist fit can differ.
Texas dental SBA lending is led by Live Oak Banking Company, the national dental-practice SBA specialist: Live Oak carries 48 Texas dental loans -- 12% of state volume by count -- reflecting Live Oak's national leadership applied to the second-largest state dental market. United Community Bank (35 loans, GA-headquartered with strong dental practice-lending relationships) holds #2, and The Huntington National Bank (34) rounds out the specialist top three.
BayFirst National Bank (18) and Newtek Bank (17) hold #4-5 as small-business-specialist platforms. Wells Fargo (16), PNC Bank (16), Bank of America (13), and United Midwest Savings (13) provide major-bank and specialist-platform coverage in positions 6-9. Zions Bank rounds out the top ten. For a Texas dental practice buyer, Live Oak is the default specialist first call given their national dental focus; United Community Bank is a strong alternative particularly on files with existing SE-region banking relationships.
Texas dental practice SBA lending is the second-largest single-state dental market behind California, with a distinctive performance profile: 399 loans approved FY2020-2025 representing 9.8% of national dental SBA volume, $413 million in total approved capital, and zero charge-offs. Average deal size is approximately $1.04 million, roughly in line with California's $1.05M and reflecting the acquisition-heavy nature of dental SBA lending.
The zero-charge-off performance reflects three structural drivers: dental practice acquisitions (with verified revenue history) are the dominant use case, recurring insurance-backed revenue creates predictable cash flow, and licensed-professional operators with standardized income verification provide operator-side underwriting certainty. Texas amplifies each: population growth expanding patient base, no state income tax improving operator personal financial modeling, and business-friendly regulatory environment.
The same four major metros driving Texas SBA volume in other industries drive dental: Dallas-Fort Worth, Houston, Austin, and San Antonio. Austin punches above its population weight driven by tech-employment-fueled patient base growth. Secondary markets (El Paso, Corpus Christi, Rio Grande Valley, Lubbock) add meaningful volume with smaller typical deal sizes.
Major Texas metros where our partner lenders actively run SBA deals. These pages cover broader small-business lending context for each market.
SBA 7(a) is the dominant path for dental practices acquisitions, buildouts, equipment, and working capital. Standard 7(a) goes up to $5 million; 7(a) Small Loan streamlines deals under $500K. SBA 504 handles real estate and heavy fixed-asset purchases when the deal includes the property. Minimum 10% equity injection applies; specialist lenders typically want 15-20% on Texas dental practices deals given the higher cost structure. Up to 5% of equity can come from seller financing on full-standby terms.
For the full SBA dental practices lending guide — including program details, independent vs. franchise dynamics, the dental practices charge-off context, and the complete national picture — see our SBA dental practices loan guide. This state page focuses on the Texas-specific data and market context on top of that national foundation.
Texas dental practices SBA is a specialist segment. The top Texas lenders understand the state's cost structure, labor economics, and regulatory context that generalist banks routinely miss. See the broader SBA dental practices guide or SBA loans hub.
Match with Texas SBA lenders →MMM does not originate SBA loans. Applications are processed through SBA-authorized lenders. Statistics above are sourced from the SBA FOIA 7(a) dataset, fiscal years 2020 through December 2025.