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How to finance a My Eye Lab

State:

The SBA 7(a) lenders funding the most My Eye Lab deals, ranked from public loan records — typical My Eye Lab loan about $493K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance My Eye Lab

$493K

Typical loan

range $408K–$525K

$548K

Est. purchase price

≈ loan ÷ 90%

$73,266

Cash to close

$54,778 down + fees

$6,379/mo

Typical payment

~9.5% · 10yr

$88,030/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

18 days

Typical time to fund

Lenders competing

more = leverage

6.42%

Avg rate on record

cap ~9.75%

Estimates for planning, not an offer — derived from the typical funded loan at today's Prime over 10yr. Not a credit decision.

Most active with My Eye Lab

Ranked by funded My Eye Lab loans. Tap a lender to open its full record, or hit Get in touch for an introduction.

1.318 loans · $229M · Osage Beach, MOFull record →
2.104 loans · $100M · Portsmouth, VAFull record →
3.112 loans · $112M · Irving, TXFull record →
4.2,539 loans · $965M · Columbus, OHFull record →
5.33 loans · $15M · Minneapolis, MNFull record →
6.154 loans · $26M · San Diego, CAFull record →
7.149 loans · $135M · Mukwonago, WIFull record →
8.9 loans · $4M · Wheaton, ILFull record →
9.17 loans · $14M · Orlando, FLFull record →
10.75 loans · $98M · Sioux Falls, SDFull record →
11.40 loans · $42M · Englewood Cliffs, NJFull record →
12.54 loans · $15M · University Park, TXFull record →
13.38 loans · $21M · San Antonio, TXFull record →

22+ funded My Eye Lab deals

Real SBA 7(a) acquisitions from public records — see who got funded, for how much, and by which lender. Tap any deal for the full record.

Symeon LLC in Newport News, VA — $539K (2023) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
126 months
SBA guaranteed
$404K (75%)
Approval → funding
6 days
Approved
3/15/2023
First disbursed
3/21/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
5
Business age
Startup, Loan Funds will Open Business
Industry
Offices of Optometrists
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Eyeowa Waterloo LLC in Waterloo, IA — $500K (2023) · Wheaton Bank & Trust Company, National Association
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$250K (50%)
Approval → funding
10 days
Approved
4/24/2023
First disbursed
5/4/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
Startup, Loan Funds will Open Business
Industry
Optical Goods Retailers
Funded by Wheaton Bank & Trust Company, National Association · Lender record →
Your business? Claim this record · Request removal
Chatanooga Optical LLC in Chattanooga, TN — $294K (2023) · VelocitySBA, LLC
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$221K (75%)
Approval → funding
12 days
Approved
12/23/2022
First disbursed
1/4/2023
Loan status
Paid in full (3/31/2024)
Loan type
Term loan
Collateral
Required
Business type
Individual
Secondary market
Loan sold to investors
Jobs supported
3
Business age
Startup, Loan Funds will Open Business
Industry
Optical Goods Retailers
Funded by VelocitySBA, LLC · Lender record →
Your business? Claim this record · Request removal
Silvas, LLC in Norfolk, VA — $581K (2022) · First Bank of the Lake
Program
Preferred Lenders Program
Rate at approval
7% variable
Term
126 months
SBA guaranteed
$436K (75%)
Approval → funding
7 days
Approved
9/2/2022
First disbursed
9/9/2022
Loan status
Current
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Jobs supported
8
Business age
Startup, Loan Funds will Open Business
Industry
Optical Goods Retailers
Funded by First Bank of the Lake · Lender record →
Your business? Claim this record · Request removal
Galini LLC in Norfolk, VA — $511K (2022) · First Bank of the Lake
Program
Preferred Lenders Program
Rate at approval
7% variable
Term
126 months
SBA guaranteed
$383K (75%)
Approval → funding
6 days
Approved
9/28/2022
First disbursed
10/4/2022
Loan status
Current
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Jobs supported
5
Business age
Startup, Loan Funds will Open Business
Industry
Optical Goods Retailers
Funded by First Bank of the Lake · Lender record →
Your business? Claim this record · Request removal
E&G Optical LLC in Tucson, AZ — $510K (2022) · Citizens Bank
Program
7a General
Rate at approval
8.25% variable
Term
125 months
SBA guaranteed
$383K (75%)
Approval → funding
35 days
Approved
8/12/2022
First disbursed
9/16/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
17
Business age
Startup, Loan Funds will Open Business
Industry
Offices of Optometrists
Funded by Citizens Bank · Lender record →
Your business? Claim this record · Request removal
Phoenix Optics, LLC in Glendale, AZ — $350K (2022) · CDC Small Business Finance Corp.
Program
Community Advantage Initiative
Subprogram
Community Advantage Initiative
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$263K (75%)
Approval → funding
31 days
Approved
8/8/2022
First disbursed
9/8/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
4
Business age
Startup, Loan Funds will Open Business
Industry
Offices of Optometrists
Funded by CDC Small Business Finance Corp. · Lender record →
Your business? Claim this record · Request removal
My Eye Lab in Lewisville, TX — $544K (2021) · First Guaranty Bank
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
126 months
SBA guaranteed
$408K (75%)
Approval → funding
33 days
Approved
10/28/2020
First disbursed
11/30/2020
Loan status
In workout — SBA bought the guarantee
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
13
Business age
Startup, Loan Funds will Open Business
Industry
Optical Goods Stores
Funded by First Guaranty Bank
Your business? Claim this record · Request removal
Optic Brothers LLC in Houston, TX — $541K (2021) · Frost Bank
Program
Preferred Lenders Program
Rate at approval
5.25% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$487K (90%)
Approved
9/22/2021
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
Startup, Loan Funds will Open Business
Industry
Optical Goods Stores
Funded by Frost Bank · Lender record →
Your business? Claim this record · Request removal
AVS Vision Crestview LLC in Austin, TX — $525K (2021) · First Guaranty Bank
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
102 months
SBA guaranteed
$472K (90%)
Approval → funding
73 days
Approved
8/6/2021
First disbursed
10/18/2021
Loan status
In workout — SBA bought the guarantee
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
12
Business age
Startup, Loan Funds will Open Business
Industry
Optical Goods Stores
Funded by First Guaranty Bank
Your business? Claim this record · Request removal
AVS Vision Round Rock LLC in Round Rock, TX — $503K (2021) · First Guaranty Bank
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
102 months
SBA guaranteed
$453K (90%)
Approval → funding
75 days
Approved
8/4/2021
First disbursed
10/18/2021
Loan status
In workout — SBA bought the guarantee
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
18
Business age
Startup, Loan Funds will Open Business
Industry
Optical Goods Stores
Funded by First Guaranty Bank
Your business? Claim this record · Request removal
AVS Vision Rufe Snow LLC in North Richland Hills, TX — $493K (2021) · First Guaranty Bank
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
98 months
SBA guaranteed
$444K (90%)
Approval → funding
13 days
Approved
4/14/2021
First disbursed
4/27/2021
Loan status
In workout — SBA bought the guarantee
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
12
Business age
Startup, Loan Funds will Open Business
Industry
Optical Goods Stores
Funded by First Guaranty Bank
Your business? Claim this record · Request removal
Smazy Enterprise lll LLC in Denton, TX — $492K (2021) · First Guaranty Bank
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
95 months
SBA guaranteed
$443K (90%)
Approval → funding
18 days
Approved
2/22/2021
First disbursed
3/12/2021
Loan status
Failed — $369K charged off (6/20/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
15
Business age
Startup, Loan Funds will Open Business
Industry
Optical Goods Stores
Funded by First Guaranty Bank
Your business? Claim this record · Request removal
Smazy Enterprise lV LLC in Austin, TX — $470K (2021) · First Guaranty Bank
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
101 months
SBA guaranteed
$423K (90%)
Approval → funding
85 days
Approved
8/4/2021
First disbursed
10/28/2021
Loan status
Failed — $339K charged off (1/28/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
10
Business age
Startup, Loan Funds will Open Business
Industry
Optical Goods Stores
Funded by First Guaranty Bank
Your business? Claim this record · Request removal
MEL Dallas Love Field LLC in Dallas, TX — $470K (2021) · PlainsCapital Bank
Program
Preferred Lenders Program
Rate at approval
4.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$423K (90%)
Approval → funding
42 days
Approved
8/27/2021
First disbursed
10/8/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
Startup, Loan Funds will Open Business
Industry
Optical Goods Stores
Funded by PlainsCapital Bank · Lender record →
Your business? Claim this record · Request removal
MEL Optical LLC in Atlanta, GA — $467K (2021) · Cogent Bank
Program
7a General
Rate at approval
5.25% variable
Term
123 months
SBA guaranteed
$420K (90%)
Approval → funding
3 days
Approved
7/20/2021
First disbursed
7/23/2021
Loan status
Paid in full (12/31/2021)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
7
Business age
Startup, Loan Funds will Open Business
Industry
Optical Goods Stores
Funded by Cogent Bank · Lender record →
Your business? Claim this record · Request removal
Tower Opticals, LLC in Cedar Park, TX — $416K (2021) · First Bank of the Lake
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
126 months
SBA guaranteed
$312K (75%)
Approval → funding
20 days
Approved
12/11/2020
First disbursed
12/31/2020
Loan status
In liquidation
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
12
Business age
Startup, Loan Funds will Open Business
Industry
Optical Goods Stores
Funded by First Bank of the Lake · Lender record →
Your business? Claim this record · Request removal
Glasses4You, LLC in Gainesville, TX — $408K (2021) · ConnectOne Bank
Program
7a General
Rate at approval
5.5% variable
Term
101 months
SBA guaranteed
$367K (90%)
Approval → funding
6 days
Approved
8/12/2021
First disbursed
8/18/2021
Loan status
In workout — SBA bought the guarantee
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
5
Business age
New Business or 2 years or less
Industry
Optical Goods Stores
Funded by ConnectOne Bank · Lender record →
Your business? Claim this record · Request removal
ATL Optical LLC in Marietta, GA — $338K (2021) · The Bancorp Bank National Association
Program
Preferred Lenders Program
Rate at approval
5% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$304K (90%)
Approval → funding
9 days
Approved
7/22/2021
First disbursed
7/31/2021
Loan status
Paid in full (11/30/2021)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
12
Business age
New Business or 2 years or less
Industry
Offices of Optometrists
Funded by The Bancorp Bank National Association · Lender record →
Your business? Claim this record · Request removal
AEAE Investments, LLC in Cypress, TX — $535K (2020) · TowneBank
Program
Preferred Lenders Program
Rate at approval
5.5% variable
Term
125 months
SBA guaranteed
$401K (75%)
Approved
4/23/2020
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
New Business or 2 years or less
Industry
Offices of Optometrists
Funded by TowneBank · Lender record →
Your business? Claim this record · Request removal

Buying a My Eye Lab? Start with a lender that has funded the brand

We'll point you to the SBA lenders already financing this brand — and help you make them compete on rate and speed.

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CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to My Eye Lab businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a My Eye Lab purchase with an SBA 7(a) loan: the lenders that fund the brand most (from public records), the typical loan size, and what it takes to qualify. First Bank of the Lake funds the most. CapBench is not a lender.

$493K typical My Eye Lab loan
14 lenders fund the brand
18 days typical to fund

Buyers researching a My Eye Lab typically pre-qualify for SBA 7(a) financing next, then ask CapBench to introduce a lender that already funds the brand — free for buyers; agents can submit a consented lead via the CapBench MCP.

Next steps

Pre-qualify this deal Talk to a loan broker My Eye Lab record

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/lenders/franchise/my-eye-lab
API:: https://www.capbench.com/api/public/lenders?franchise=my-eye-lab
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.