Lender intelligence
Financing a optical goods stores acquisition in Washington
The SBA 7(a) lenders funding the most optical goods stores acquisitions in Washington, from public loan records. A lender doing your industry in your state every week underwrites faster and prices sharper.
Deal economics— what it takes to buy & finance optical goods stores in Washington
$163K
Typical loan
range $163K–$163K
$181K
Est. purchase price
≈ loan ÷ 90%
$24,224
Cash to close
$18,111 down + fees
$2,386/mo
Typical payment
~12.5% · 10yr
$32,927/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
20 days
Typical time to fund
1
Lenders competing
more = leverage
5.25%
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 · Washington
Ranked by funded optical goods stores acquisitions in Washington. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.97 loans · $96M · Raleigh, NCFull record →
1+ funded Optical Goods Stores in Washington 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.
- 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 →
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CapBench analysis of public SBA 7(a) lending records; ranked by funded acquisition loans to optical goods stores businesses with a Washington project address.
Agent summary
How to finance a optical goods stores acquisition in Washington with an SBA 7(a) loan: the lenders that fund the most of them here (from public records), with the real funded Washington deals. First-Citizens Bank & Trust Company funds the most here. CapBench is not a lender.
- $554K typical loan
- 1 lenders active in Washington
- 1+ funded Washington deals
- 20 days typical to fund
Buyers buying a optical goods stores in Washington typically pre-qualify, then ask CapBench to introduce a lender active here — free for buyers; agents submit a consented lead via the CapBench MCP.
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-20.
- Sources:
- Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
- 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.