# SBA loans to dental practices in Pennsylvania **Short answer:** SBA's loan file shows 82 loans to dental practices in Pennsylvania since October 2019. 37.8% went through SBA Express, against 20.4% nationally. These 82 loans are 0.71% of Pennsylvania's SBA loans, against 1.2% nationwide. Canonical page: https://www.sbaexpress.loans/industries/offices-of-dentists/pennsylvania/ Data as of: 2026-06-30 These are the 82 SBA 7(a) loans to [dental practices](https://www.sbaexpress.loans/industries/offices-of-dentists/) in [Pennsylvania](https://www.sbaexpress.loans/pennsylvania-small-business-loans/) approved October 2019 to June 2026. Each figure is set against the national figure for the same industry and period. State is where the business is, not where the lender is based. The file lists loans SBA approved, so it shows what lenders have done and not what any lender will do for you. Every state page for this industry uses this same period, so the pages can be compared with each other. ## How Pennsylvania differs from the U.S. **What this means for you.** SBA Express was a more common route for these loans here, so ask lenders about it if your loan is small enough to qualify. ### SBA Express 37.8% of the loans in Pennsylvania went through SBA Express, against 20.4% nationally. SBA Express, share of loans, Oct 2019 to Jun 2026 - Pennsylvania: 37.8% - United States: 20.4% ### How common it is Dental practices made up 0.71% of the SBA loans approved in Pennsylvania since October 2019, against 1.2% of loans nationwide. Its share here is 62% of its national share. Share of all SBA loans, Oct 2019 to Jun 2026 - Pennsylvania: 0.71% - United States: 1.2% We compared 9 measures with the national figure for the same period, and these are the 2 that differ clearly. The table compares every measure. ## Pennsylvania next to the U.S. **Pennsylvania compared with all loans to dental practices in the U.S., October 2019 to June 2026** | Measure | Pennsylvania | United States | Reading | | --- | --- | --- | --- | | Industry's share of all SBA loans | 0.71% | 1.2% | Clearly lower | | Median loan | $293,300 | $533,000 | No clear gap | | Middle half of loans | $100,000 to $590,000 | $157,000 to $1,278,000 | – | | Startups (the loan opens the business) | 15.9% | 16.8% | No clear gap | | In business 2 years or less | 15.9% | 14.1% | No clear gap | | In business more than 2 years | 61.0% | 59.4% | No clear gap | | Change of ownership | 6.1% | 8.9% | No clear gap | | SBA Express | 37.8% | 20.4% | Clearly higher | | Lines of credit | 20.7% | 11.9% | No clear gap | | Median term | 10 years | 10 years | – | | Median spread over Prime at approval | 2.25 points over Prime | 2 points over Prime | – | Clearly higher and clearly lower mark a gap large enough to matter and unlikely to be chance for this many loans. Spread over Prime is the rate at approval minus Prime that day, so it is not today's rate. Rows with a dash are shown for reference. ## Who lends in Pennsylvania The 5 lenders below made 44 of the 82 loans approved October 2019 to June 2026, or 53.7%. A lender is listed when it has 5 or more of them, five at most. **Top lenders in Pennsylvania** | Lender | Loans | Share here | U.S. share | | --- | --- | --- | --- | | [Live Oak Banking Company](https://www.sbaexpress.loans/sba-express-lenders/live-oak-banking-company/) | 11 | 13.4% | 16.7% | | [First Commonwealth Bank](https://www.sbaexpress.loans/sba-express-lenders/first-commonwealth-bank/) | 9 | 11.0% | Not in top 5 | | [PNC Bank](https://www.sbaexpress.loans/sba-express-lenders/pnc-bank/) | 9 | 11.0% | Not in top 5 | | [The Huntington National Bank](https://www.sbaexpress.loans/sba-express-lenders/the-huntington-national-bank/) | 9 | 11.0% | 9.3% | | [Newtek Bank](https://www.sbaexpress.loans/sba-express-lenders/newtek-bank/) | 6 | 7.3% | Not in top 5 | Share here is the lender's share of the loans in this state. U.S. share is its share of all loans to this industry nationally. Not in top 5 means it is not one of the five lenders with the most loans to the industry. ## Dental practices in other states Other states where these loans differ clearly from the national pattern, most loans first. **Dental practices by state** | State | Loans since October 2019 | | --- | --- | | [California](https://www.sbaexpress.loans/industries/offices-of-dentists/california/) | 694 | | [Texas](https://www.sbaexpress.loans/industries/offices-of-dentists/texas/) | 391 | | [Florida](https://www.sbaexpress.loans/industries/offices-of-dentists/florida/) | 288 | | [New York](https://www.sbaexpress.loans/industries/offices-of-dentists/new-york/) | 192 | | [Ohio](https://www.sbaexpress.loans/industries/offices-of-dentists/ohio/) | 160 | | [Colorado](https://www.sbaexpress.loans/industries/offices-of-dentists/colorado/) | 153 | | [Illinois](https://www.sbaexpress.loans/industries/offices-of-dentists/illinois/) | 124 | | [Georgia](https://www.sbaexpress.loans/industries/offices-of-dentists/georgia/) | 95 | ## More industries in Pennsylvania Other industries in Pennsylvania with a clear difference from the national pattern, most loans first. **Other industries in Pennsylvania** | Industry | Loans since October 2019 | | --- | --- | | [Sit-down restaurants](https://www.sbaexpress.loans/industries/full-service-restaurants/pennsylvania/) | 546 | | [Fast-food, pizza and counter-service restaurants](https://www.sbaexpress.loans/industries/limited-service-restaurants/pennsylvania/) | 424 | | [Home remodeling contractors](https://www.sbaexpress.loans/industries/residential-remodelers/pennsylvania/) | 334 | | [Plumbing and HVAC companies](https://www.sbaexpress.loans/industries/plumbing-heating-air-conditioning-contractors/pennsylvania/) | 255 | | [Child care centers and preschools](https://www.sbaexpress.loans/industries/child-care-services/pennsylvania/) | 233 | | [Hair salons and beauty salons](https://www.sbaexpress.loans/industries/beauty-salons/pennsylvania/) | 225 | | [Local trucking companies](https://www.sbaexpress.loans/industries/general-freight-trucking-local/pennsylvania/) | 220 | | [Auto repair shops](https://www.sbaexpress.loans/industries/general-automotive-repair/pennsylvania/) | 212 | How to read this Counts come from SBA's 7(a) loan-level data release, as of June 30, 2026. The file lists loans SBA approved. It does not list declined applications, so it cannot show approval odds. We do not publish any figure built on fewer than 5 loans. Industry is the NAICS code recorded on each loan. Location is the borrower's address in the file. Loans are those approved October 1, 2019 to June 30, 2026. SBA's fiscal year runs October 1 to September 30. Each figure is set against the national figure for the same period. A gap is called clear when it is large enough to matter and unlikely to be chance for this many loans. A comparison with no clear gap in the loans is not published. Express counts SBA Express and Export Express loans. Lines of credit are loans SBA's file flags as revolving. [How we build these pages](https://www.sbaexpress.loans/method/). ## Sources - [SBA 7(a) and 504 FOIA loan-level data, as of June 30, 2026](https://data.sba.gov/dataset/7a-504-foia)