Retail & Shops · lender intelligence

Financing a optical goods stores acquisition

State:

The SBA 7(a) lenders funding the most optical goods stores acquisitions, ranked from public loan records — typical deal about $554K. A lender doing your industry every week underwrites faster and prices sharper.

Deal economics— what it takes to buy & finance optical goods stores

$300K

Typical loan

range $176K–$428K

$333K

Est. purchase price

≈ loan ÷ 90%

$44,583

Cash to close

$33,333 down + fees

$4,133/mo

Typical payment

~11% · 10yr

$57,035/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

48 days

Typical time to fund

Lenders competing

more = leverage

7.44%

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 in optical goods stores

Ranked by funded optical goods stores acquisitions. Tap a lender to open its full record, or hit Get in touch for an introduction.

1.2,539 loans · $965M · Columbus, OHFull record →
2.1,927 loans · $207M · Buffalo, NYFull record →
3.65 loans · $52M · Lancaster, PAFull record →
4.57 loans · $97M · New Canaan, CTFull record →
5.24 loans · $21M · Raleigh, NCFull record →
6.33 loans · $15M · Minneapolis, MNFull record →
7.97 loans · $96M · Raleigh, NCFull record →
8.1,296 loans · $1.4B · Wilmington, NCFull record →

9+ funded optical goods stores 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.

Superior Purchase LLC in Glenview, IL — $4.5M (2025) · purchase · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
7.99% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$3.4M (75%)
Approval → funding
48 days
Approved
2/6/2025
First disbursed
3/26/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Change of Ownership
Industry
Optical Goods Stores
If you were the buyer here
Est. deal size
$5.0M
Est. down payment (10%)
$503K
Est. cash at closing
$696K
Monthly payment
$54,885
Annual debt service
$659K
Cash flow needed (1.25×)
$823K
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 The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
OPTO-MEDICAL SERVICES LLC in Coconut Creek, FL — $370K (2025) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$278K (75%)
Approval → funding
55 days
Approved
3/6/2025
First disbursed
4/30/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
4
Business age
Change of Ownership
Industry
Optical Goods Stores
If you were the buyer here
Est. deal size
$411K
Est. down payment (10%)
$41K
Est. cash at closing
$55K
Monthly payment
$4,890
Annual debt service
$59K
Cash flow needed (1.25×)
$73K
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 Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
Superior Purchase LLC in Glenview, IL — $300K (2025) · purchase · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$150K (50%)
Approved
2/6/2025
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Change of Ownership
Industry
Optical Goods Stores
If you were the buyer here
Est. deal size
$333K
Est. down payment (10%)
$33K
Est. cash at closing
$45K
Monthly payment
$3,841
Annual debt service
$46K
Cash flow needed (1.25×)
$58K
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 The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Radiance Optical, Inc. in Norfolk, VA — $176K (2022) · purchase · CRF Small Business Loan Company, LLC
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$132K (75%)
Approval → funding
41 days
Approved
10/28/2021
First disbursed
12/8/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
2
Business age
Change of Ownership
Industry
Optical Goods Stores
If you were the buyer here
Est. deal size
$196K
Est. down payment (10%)
$20K
Est. cash at closing
$26K
Monthly payment
$1,954
Annual debt service
$23K
Cash flow needed (1.25×)
$29K
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 CRF Small Business Loan Company, LLC · Lender record →
Your business? Claim this record · Request removal
The Optical Cross LLC in Lacey, WA — $163K (2022) · purchase · First-Citizens Bank & Trust Company
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$122K (75%)
Approval → funding
20 days
Approved
3/16/2022
First disbursed
4/5/2022
Loan status
Paid in full (6/30/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
3
Business age
Change of Ownership
Industry
Optical Goods Stores
If you were the buyer here
Est. deal size
$181K
Est. down payment (10%)
$18K
Est. cash at closing
$24K
Monthly payment
$1,749
Annual debt service
$21K
Cash flow needed (1.25×)
$26K
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 First-Citizens Bank & Trust Company · Lender record →
Your business? Claim this record · Request removal
Britt's Creek LLC in Chapel Hill, NC — $489K (2021) · purchase · North State Bank
Program
Preferred Lenders Program
Rate at approval
5.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$440K (90%)
Approval → funding
28 days
Approved
3/12/2021
First disbursed
4/9/2021
Loan status
Paid in full (7/31/2022)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
6
Business age
Change of Ownership
Industry
Optical Goods Stores
If you were the buyer here
Est. deal size
$543K
Est. down payment (10%)
$54K
Est. cash at closing
$73K
Monthly payment
$5,368
Annual debt service
$64K
Cash flow needed (1.25×)
$81K
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 North State Bank · Lender record →
Your business? Claim this record · Request removal
RJ Visions Inc DBA Sterling Optical in Rochester, NY — $428K (2020) · purchase · Manufacturers and Traders Trust Company
Program
7a General
Rate at approval
7.25% variable
Term
123 months
SBA guaranteed
$321K (75%)
Approval → funding
105 days
Approved
10/1/2019
First disbursed
1/14/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
Change of Ownership
Industry
Optical Goods Stores
If you were the buyer here
Est. deal size
$475K
Est. down payment (10%)
$48K
Est. cash at closing
$64K
Monthly payment
$4,936
Annual debt service
$59K
Cash flow needed (1.25×)
$74K
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 Manufacturers and Traders Trust Company · Lender record →
Your business? Claim this record · Request removal
AE Optics LLC in Hackettstown, NJ — $265K (2020) · purchase · Fulton Bank, National Association
Program
7a General
Rate at approval
7.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$199K (75%)
Approval → funding
116 days
Approved
10/7/2019
First disbursed
1/31/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
5
Business age
Change of Ownership
Industry
Optical Goods Stores
If you were the buyer here
Est. deal size
$294K
Est. down payment (10%)
$29K
Est. cash at closing
$39K
Monthly payment
$3,180
Annual debt service
$38K
Cash flow needed (1.25×)
$48K
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 Fulton Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Eyeve Been Framed, LLC in Fairfield, CT — $169K (2020) · purchase · Bankwell Bank
Program
Preferred Lenders Program
Rate at approval
7.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$127K (75%)
Approval → funding
22 days
Approved
10/9/2019
First disbursed
10/31/2019
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
2
Business age
Change of Ownership
Industry
Optical Goods Stores
If you were the buyer here
Est. deal size
$188K
Est. down payment (10%)
$19K
Est. cash at closing
$25K
Monthly payment
$2,028
Annual debt service
$24K
Cash flow needed (1.25×)
$30K
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 Bankwell Bank · Lender record →
Your business? Claim this record · Request removal

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

Agent summary

How to finance a optical goods stores acquisition with an SBA 7(a) loan: the lenders that fund the most of them (from public records), typical cost, and what it takes to qualify. The Huntington National Bank funds the most. CapBench is not a lender.

$554K typical loan
8 lenders fund the industry
48 days typical to fund

Buyers researching a optical goods stores deal typically pre-qualify, then ask CapBench to introduce a lender that funds the industry — free for buyers; agents submit a consented lead via the CapBench MCP.

Next steps

Pre-qualify this deal Talk to a loan broker

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/industry/optical-goods-stores
API:: https://www.capbench.com/api/public/lenders?industry=optical-goods-stores
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.