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Pearle Vision, 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 S1286)

42 deals since 2020 · typical deal $577K · 2.94% failure rate

42

Deals since 2020

$577K

Typical deal

3

Deals since FY2025

2.94%

Failure rate (FY20–23)

Pearle Vision's 2.94% failure rate sits in the normal range for franchises. Underwrite the location, not just the brand.

What buyers pay for Pearle Vision

Most Pearle Vision deals financed between $350K and $647K. Above $647K, you're paying more than 75% of buyers did — make the seller earn it.

Monthly payment (10-yr)
$7,545
Down payment (10%)
$64K
Cash to close (all-in)
$86K

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 ~$86K)

Experience

Recent financings

  • Pearle Vision of Collegeville in Collegeville, PA — $2.3M (2026) · purchase · First Merchants Bank
  • HAPPY NEWTON EYES LLC in Newton Upper Falls, MA — $1.0M (2025) · purchase · Citizens Bank, National Association
  • VENICE VISION, LLC in Venice, FL — $600K (2025) · purchase · Live Oak Banking Company
  • hti3 llc in Erie, CO — $587K (2024) · Zions Bank, A Division of
  • Marketplace Optical LLC in Tucson, AZ — $393K (2024) · Commercial Bank of California
  • J D Eyes, Inc. in Coon Rapids, MN — $367K (2024) · Northern State Bank of Virginia
  • WORD OPTICAL GROUP LLC in Shelby Township, MI — $212K (2024) · Celtic Bank Corporation
  • ILUVICARE, PLLC in Cypress, TX — $150K (2024) · Colony Bank
  • KB Vision LLC in Oak Park Heights, MN — $849K (2023) · Seacoast National Bank
  • Alpha Optical Group LLC in King Of Prussia, PA — $750K (2023) · Meridian Bank

Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.

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Pearle Vision brand mark

Who funds Pearle Vision — and where

Every dot is a financed Pearle Vision — 42 mapped.

Financed Pearle Vision locations — list all 42 as text

Top lenders for this brand

  1. 1.The Huntington National Bank(5)
  2. 2.TD Bank, National Association(4)
  3. 3.Meridian Bank(3)
  4. 4.First Merchants Bank(3)
  5. 5.United Community Bank(3)

Most active states

  1. 1.Florida (7 loans)
  2. 2.Pennsylvania (5 loans)
  3. 3.Minnesota (4 loans)
  4. 4.New Jersey (4 loans)
  5. 5.California (4 loans)
  6. 6.Illinois (3 loans)
  7. 7.Texas (2 loans)
  8. 8.Colorado (2 loans)

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Common questions

How much does a Pearle Vision cost to buy or open?

The typical deal for Pearle Vision is $577K across 42 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $63K of buyer cash on a typical deal.

How risky is Pearle Vision?

2.94% of Pearle Vision's FY2020–23 deals failed and were written off. Under 1% is excellent; 1–3% is normal; above 3% deserves hard questions before the LOI.

Can I finance a Pearle Vision with an SBA loan?

Yes — Pearle Vision has been SBA-financed 3 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

Buying a Pearle Vision franchise

Most Pearle Vision 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 Pearle Vision deal financed for $577K, which points to about $63K of buyer cash on a typical purchase. Pearle Vision is listed in the SBA Franchise Directory (identifier S1286), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Pearle Vision — 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 Pearle Vision — 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 Pearle Vision — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Pearle Vision is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

  • 42 SBA 7(a) deals since 2020
  • $577K typical deal
  • 3 deals since FY2025
  • 2.94% failure rate (FY20–23 cohort)
  • SBA Franchise Directory: listed (identifier S1286)
  • Top lenders: The Huntington National Bank, TD Bank, National Association, Meridian Bank

Next steps

Check SBA fitFind 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/pearle-vision
API:
https://www.capbench.com/api/public/franchises/pearle-vision
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 Pearle Vision.

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