Miracle-Ear, by the numbers

Every figure below comes from real financed deals — what buyers paid, where, and how the loans performed.

SBA Franchise Directory: listed ✓ (identifier S1118)

6 deals since 2020 · typical deal $673K

Deals since 2020

$673K

Typical deal

Deals since FY2025

—

Too few deals to score risk

Miracle-Ear has 6 SBA deals on record — real financing history, but too few to score a failure rate you should trust. Underwrite the location and the FDD.

What buyers pay for Miracle-Ear

Most Miracle-Ear deals financed between $100K and $998K. Above $998K, you're paying more than 75% of buyers did — make the seller earn it.

Your deal size$673K

Monthly payment (10-yr): $8,794
Down payment (10%): $75K
Cash to close (all-in): $100K

Estimates at today's rates and standard 7(a) terms. Not a loan offer.

Could you get the loan?

Three answers. No documents, no credit pull.

Credit score

Available cash (you'll need ~$100K)

Experience

Recent financings

Med Hearing LLC in Washington, PA — $127K (2023) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
11% variable
Term
120 mo (10 yrs)
SBA guaranteed
$95K (75%)
Approval → funding
8 days
Approved
7/12/2023
First disbursed
7/20/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Business age
Startup, Loan Funds will Open Business
Industry
Offices of Physical, Occupational and Speech Therapists, and
Funded by The Huntington National Bank · Lender record →
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Med Hearing LLC in Washington, PA — $25K (2023) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$13K (50%)
Approval → funding
8 days
Approved
7/12/2023
First disbursed
7/20/2023
Loan status
Current
Loan type
Revolving line
Collateral
Not required
Business type
Corporation
Business age
Startup, Loan Funds will Open Business
Industry
Offices of Physical, Occupational and Speech Therapists, and
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Dulcet Hearing, LLC in Pocatello, ID — $998K (2021) · purchase · Glacier Bank
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$898K (90%)
Approval → funding
0 days
Approved
3/3/2021
First disbursed
3/3/2021
Loan status
Paid in full (10/31/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
14
Business age
Change of Ownership
Industry
All Other Health and Personal Care Stores
If you were the buyer here
Est. deal size
$1.1M
Est. down payment (10%)
$111K
Est. cash at closing
$152K
Monthly payment
$10,708
Annual debt service
$128K
Cash flow needed (1.25×)
$161K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Glacier Bank · Lender record →
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Kamaka Hearing Aids LLC in State College, PA — $673K (2021) · Wilmington Savings Fund Society FSB
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$605K (90%)
Approval → funding
98 days
Approved
9/24/2021
First disbursed
12/31/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
11
Business age
Startup, Loan Funds will Open Business
Industry
All Other Health and Personal Care Stores
Funded by Wilmington Savings Fund Society FSB · Lender record →
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Kamaka Hearing Aids LLC in State College, PA — $100K (2021) · Wilmington Savings Fund Society FSB
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$75K (75%)
Approval → funding
155 days
Approved
9/27/2021
First disbursed
3/1/2022
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
11
Business age
Startup, Loan Funds will Open Business
Industry
All Other Health and Personal Care Stores
Funded by Wilmington Savings Fund Society FSB · Lender record →
Your business? Claim this record · Request removal
Acuity Hearing Aids, LLC in Lancaster, PA — $2.1M (2020) · purchase · Ameris Bank
Program
Preferred Lenders Program
Rate at approval
5.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.5M (75%)
Approval → funding
67 days
Approved
6/25/2020
First disbursed
8/31/2020
Loan status
Paid in full (9/30/2023)
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
6
Business age
Change of Ownership
Industry
All Other Health and Personal Care Stores
If you were the buyer here
Est. deal size
$2.3M
Est. down payment (10%)
$228K
Est. cash at closing
$314K
Monthly payment
$22,525
Annual debt service
$270K
Cash flow needed (1.25×)
$338K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Ameris Bank · Lender record →
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Who funds Miracle-Ear — and where

Every dot is a financed Miracle-Ear — 6 mapped.

Financed Miracle-Ear locations — list all 6 as text

Dulcet Hearing, LLC — Pocatello · $998K · FY2021 · All Other Health and Personal Care Stores
Acuity Hearing Aids, LLC — Lancaster · $2.1M · FY2020 · All Other Health and Personal Care Stores
Med Hearing LLC — Washington · $25K · FY2023 · Offices of Physical, Occupational and Speech Therapists, and
Med Hearing LLC — Washington · $127K · FY2023 · Offices of Physical, Occupational and Speech Therapists, and
Kamaka Hearing Aids LLC — State College · $673K · FY2021 · All Other Health and Personal Care Stores
Kamaka Hearing Aids LLC — State College · $100K · FY2021 · All Other Health and Personal Care Stores

Top lenders for this brand

Most active states

1.Pennsylvania (5 loans)
2.Idaho (1 loans)

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Insider move

Start with the lenders above — a bank that's funded Miracle-Ear 2 times already knows the unit economics and approves faster than one learning the brand on your file.

Who should reach out?

By submitting, I agree that CapBench may share my contact information with SBA lending partners and loan brokers (including partners who compensate CapBench), and that they and CapBench may contact me about financing by phone, email, and text — including via autodialed or prerecorded calls and messages — at the phone number and email I provide. Consent is not a condition of any purchase or service, and message and data rates may apply. CapBench is not a lender and makes no credit decision. We'll introduce you to your pick or a comparable Miracle-Ear lending specialist.

Common questions

How much does a Miracle-Ear cost to buy or open?

The typical deal for Miracle-Ear is $673K across 6 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $74K of buyer cash on a typical deal.

How risky is Miracle-Ear?

Miracle-Ear has 6 SBA loans on record since 2020 — too few to score a reliable failure rate. Judge the unit economics and the franchisor's disclosure document, not a small sample.

Can I finance a Miracle-Ear with an SBA loan?

Yes — Miracle-Ear has been SBA-financed 0 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

Buying a Miracle-Ear franchise

Most Miracle-Ear buyers finance the purchase or build-out with an SBA 7(a) loan — up to 90% of the cost with roughly 10% down. The typical Miracle-Ear deal financed for $673K, which points to about $74K of buyer cash on a typical purchase. Miracle-Ear is listed in the SBA Franchise Directory (identifier S1118), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Miracle-Ear — a bank that knows the brand approves faster — or pre-qualify for financing to see your likely loan size first.

AI summary

This profile summarizes public SBA financing activity for Miracle-Ear — lender activity, typical loan sizes, financing history, and risk and failure signals where available — via CapBench SBA Intelligence. CapBench is not a lender.

Source: CapBench SBA Intelligence, based on public SBA, lender, franchise, FDIC, and related records. CapBench is not a lender and does not guarantee financing.

Agent summary

This page summarizes public SBA 7(a) financing for Miracle-Ear — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Miracle-Ear is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

6 SBA 7(a) deals since 2020
$673K typical deal
0 deals since FY2025
Too few deals to score a reliable failure rate
SBA Franchise Directory: listed (identifier S1118)
Top lenders: The Huntington National Bank, Wilmington Savings Fund Society FSB, Glacier Bank

Next steps

Check SBA fit Find SBA lenders $9 lender report

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/franchises/miracle-ear
API:: https://www.capbench.com/api/public/franchises/miracle-ear
Methodology:: Sources & methodology

Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
Figures come from public records and CapBench methodology; verify before relying on them.
Financing figures are historical SBA loan records, not a current offer or franchise availability. Confirm SBA Franchise Directory listing with your lender before an LOI.

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CapBench analysis of public lending records, FY2020–present. Charge-off rate measured on the FY2020–23 cohort. Not affiliated with Miracle-Ear.