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NAICS 446130 · Retail
SBA loans for optical goods stores
492 SBA loans worth $145.2M have been approved in this industry since FY2010 - the #344 most-financed NAICS code in the country.
Median loan
$150,000
-17% vs all industries
Typical range
$25K-$579K
Middle 80%
Median rate
6.05%
7(a) initial note rate
Median term
10 yr
Charge-off rate
7.2%
vs 7.6% all industries
Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.
Lenders
Most active in this industry
| Lender | Loans | Approved | Share |
|---|---|---|---|
| Wells Fargo Bank | 35 | $12.8M | |
| U.S. Bank | 28 | $9.1M | |
| United Community Bank | 14 | $7.2M | |
| The Huntington National Bank | 19 | $7.0M | |
| JPMorgan Chase Bank | 34 | $5.0M | |
| Business Initiative Corporation of New York | 1 | $5.0M | |
| Heritage Bank | 2 | $5.0M | |
| PromiseOne Bank | 7 | $4.4M | |
| Stearns Bank | 12 | $4.0M | |
| BancFirst | 9 | $3.5M |
Geography
Where these loans were made
| State | Loans | Share |
|---|---|---|
| New York | 56 | |
| California | 43 | |
| Texas | 41 | |
| Massachusetts | 30 | |
| Florida | 27 | |
| Puerto Rico | 26 | |
| Pennsylvania | 26 | |
| Minnesota | 18 |
An SBA 7(a) lender for loans this size
72% of the SBA loans approved in optical goods stores since FY2010 were under $350,000. SmartBiz makes SBA 7(a) loans up to $500,000. It is shown here as a separate, labelled option, outside the data rankings on this page. You apply on their site - we do not take applications and never see your information.
Check options with SmartBizWe may be paid if you apply through this link. It does not change what we publish, and no lender can buy a place in our rankings. Details.
Approvals by fiscal year
Loan count. Final bar is a partial fiscal year.
Loan sizes
- Under $50K20%
- $50K - $150K28%
- $150K - $350K24%
- $350K - $1M24%
- $1M - $2M3%
- Over $2M2%
Franchise brands in Optical Goods Stores
| Franchise brand | Loans | Approved | Share |
|---|---|---|---|
| Pearle Vision | 54 | $26.2M | |
| Pearle Vision Center | 18 | $5.8M | |
| My Eye Lab | 15 | $7.0M | |
| Sterling Optical | 6 | $2.4M | |
| Vision Source | 1 | $485K | |
| Marathon Oil Company | 1 | $575K |
Brands with the most SBA loans recorded under this NAICS code, among brands with at least 10 loans in the file.
Nearby
Other retail industries
Common questions
- How much do SBA lenders typically lend to a optical goods stores business?
- The median SBA approval in NAICS 446130 is $150,000, with the middle 80% of loans between $25,000 and $579,000. Across all industries the median is $180,000.
- Which lenders are most active in optical goods stores?
- By dollars approved: Wells Fargo Bank, U.S. Bank, United Community Bank, The Huntington National Bank, JPMorgan Chase Bank. A lender's experience in your NAICS code matters - underwriters who have seen a hundred deals like yours ask better questions and move faster.
- Is optical goods stores considered a risky industry by SBA lenders?
- Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 7.2% were charged off, versus 7.6% across all SBA lending. That is close to average.
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