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Health & Medical · lender intelligence

How to finance a Pearle Vision

The SBA 7(a) lenders funding the most Pearle Vision deals, ranked from public loan records — typical Pearle Vision loan about $577K, 2.94% failure rate across 42 loans. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Pearle Vision

$577K

Typical loan

range $350K–$647K

$641K

Est. purchase price

≈ loan ÷ 90%

$85,749

Cash to close

$64,111 down + fees

$7,466/mo

Typical payment

~9.5% · 10yr

$103,031/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

97.1%

Still performing

2.9% default · FY20–23

27 days

Typical time to fund

26

Lenders competing

more = leverage

7.2%

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 Pearle Vision

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

  1. 1.2,539 loans · $965M · Columbus, OHFull record →
  2. 2.1,322 loans · $185M · Wilmington, DEFull record →
  3. 3.24 loans · $17M · Wayne, PAFull record →
  4. 4.88 loans · $96M · Muncie, INFull record →
  5. 5.66 loans · $68M · Milford, IAFull record →
  6. 6.23 loans · $30M · Stuart, FLFull record →
  7. 7.105 loans · $51M · Fitzgerald, GAFull record →
  8. 8.75 loans · $98M · Sioux Falls, SDFull record →
  9. 9.62 loans · $26M · Oklahoma City, OKFull record →
  10. 10.1,296 loans · $1.4B · Wilmington, NCFull record →
  11. 11.78 loans · $79M · New Orleans, LAFull record →
  12. 12.60 loans · $40M · Clayton, MOFull record →
  13. 13.40 loans · $42M · Irvine, CAFull record →
  14. 14.868 loans · $362M · Salt Lake City, UTFull record →
  15. 15.46 loans · $27M · Sartell, MNFull record →
  16. 16.618 loans · $171M · Salt Lake City, UTFull record →
  17. 17.35 loans · $33M · Providence, RIFull record →
  18. 18.65 loans · $52M · Lancaster, PAFull record →
  19. 19.8 loans · $7M · Dickson, TNFull record →
  20. 20.62 loans · $34M · Winter Haven, FLFull record →
  21. 21.31 loans · $44M · Passaic, NJFull record →
  22. 22.128 loans · $40M · Wilmington, DEFull record →
  23. 23.3 loans · $2M · Bethesda, MDFull record →

42+ funded Pearle Vision 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.

  • 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
  • LUCIDEYEZ INC. in Livermore, CA — $596K (2023) · The Bancorp Bank National Association
  • E.D.A., INC. in Minneapolis, MN — $530K (2023) · BankVista
  • Alpha Optical King of Prussia, LLC in King Of Prussia, PA — $350K (2023) · Meridian Bank
  • Alpha Optical King of Prussia, LLC in King Of Prussia, PA — $50K (2023) · Meridian Bank
  • Out of Step Investments, INC in Mokelumne Hill, CA — $641K (2022) · The Bancorp Bank National Association
  • KB Vision LLC in Stillwater, MN — $624K (2022) · Dairy State Bank
  • Hazard Hills, LLC in Bardstown, KY — $600K (2022) · Seacoast National Bank
  • ALPHA OPTICAL PLYMOUTH MEETING, LLC in Plymouth Meeting, PA — $398K (2022) · purchase · PNC Bank, National Association
  • MISADA LIMITED, INC. in Lakeland, FL — $260K (2022) · Valley National Bank
  • VISION NYC JONATHAN KRUH MD PLLC in New York, NY — $1.7M (2021) · TD Bank, National Association

Buying a Pearle Vision? 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.

Free · No documents · Usually same-day

Backed by data on 1,000+ SBA lenders and 300,000+ funded deals. Your details go only to lending partners you ask to be matched with — never sold to advertisers.

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

Agent summary

How to finance a Pearle Vision 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. The Huntington National Bank funds the most. CapBench is not a lender.

  • $577K typical Pearle Vision loan
  • 2.94% failure rate (FY20–23)
  • 26 lenders fund the brand
  • 27 days typical to fund

Buyers researching a Pearle Vision 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 dealTalk to a loan brokerPearle Vision 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/pearle-vision
API:
https://www.capbench.com/api/public/lenders?franchise=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.
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