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Hearty Smiles Dental

Fallbrook, CA · Offices of Dentists · NAICS 621210

Hearty Smiles Dental is an office of dentists in Fallbrook, California, classified under NAICS code 621210. The business was financed with an SBA 7(a) loan for a change of ownership, approved in an amount of $1,410,000 by First-Citizens Bank & Trust Company, with an approval date of August 5, 2026. The loan records list 22 jobs.

SBA 7(a) loan, change of ownership, approved Aug 5, 2026

$1,410,000 approvedLender: First-Citizens Bank & Trust Company25 years termCommitted, not fully disbursedLoan details
Gross approval
$1,410,000
SBA-guaranteed amount
$1,057,500 (75% of the approval)
Lender
First-Citizens Bank & Trust Company, Raleigh, NC
Processing method
Preferred Lender Program: lender approved under delegated SBA authority
Initial interest rate
7.75%, variable
Term
25 years (300 months)
Estimated maturity
August 5, 2051 (estimated, approval date plus term)
Estimated monthly payment
$10,650 Estimated payment at the initial rate over the full term; actual terms vary.
Loan status
Committed, not fully disbursed
Jobs supported
22
Business type
Corporation
NAICS
621210, Offices of Dentists
Project location
San Diego County, CA
SBA district office
San Diego District Office
Congressional district
CA-42
Collateral
Yes
Guaranteed portion sold on secondary market
Not reported as sold
Revolving line of credit
No (term loan)
  • Larger than 60% of acquisition loans in Offices of Dentists on this site.
  • Average acquisition loan in Offices of Dentists: $1,456,655.
  • Average acquisition loan in California: $1,688,228.

Loan amounts are the SBA approval, not a purchase price. Figures labeled estimated are derived on this site and are not published by the SBA.

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Same industry in California