How much do SBA lenders typically lend to a optical goods retailers business?

The median SBA approval in NAICS 456130 is $150,000, with the middle 80% of loans between $25,000 and $670,000. Across all industries the median is $180,000.

Which lenders are most active in optical goods retailers?

By dollars approved: First Merchants Bank, Old National Bank, Live Oak Banking Company, Fulton Bank, Colony 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.

Advertiser disclosure: Some links on this page earn us a commission. Compensation never affects our data, our rankings, or which lenders we cover. How we make money.

NAICS 456130 · Retail

SBA loans for optical goods retailers

107 SBA loans worth $45.0M have been approved in this industry since FY2010 - the #675 most-financed NAICS code in the country.

Median loan

$150,000

-17% vs all industries

Typical range

$25K-$670K

Middle 80%

Median rate

10.00%

7(a) initial note rate

Median term

10 yr

Charge-off rate

Cohort too small

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
First Merchants Bank	2	$5.2M
Old National Bank	2	$5.0M
Live Oak Banking Company	5	$3.8M
Fulton Bank	1	$3.4M
Colony Bank	1	$3.1M
Ocean Bank	1	$2.8M
Seacoast National Bank	3	$1.9M
Trenton Business Assistance Corporation	1	$1.3M
First Bank of the Lake	3	$1.2M
The Bancorp Bank	2	$1.2M

Geography

Where these loans were made

State	Loans	Share
California	20
Florida	15
New Jersey	11
New York	9
Texas	7
Ohio	5
Indiana	4
Michigan	4

An SBA 7(a) lender for loans this size

70% of the SBA loans approved in optical goods retailers 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 SmartBiz

We 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

’22

’23

’24

’25

’26

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
17%
$50K - $150K
32%
$150K - $350K
21%
$350K - $1M
21%
$1M - $2M
2%
Over $2M
7%

Franchise brands in Optical Goods Retailers

Franchise brand	Loans	Approved
Pearle Vision	6	$5.6M
My Eye Lab	4	$1.9M
Sterling Optical	1	$103K

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

See the sector

All Other Miscellaneous Store Retailers4,300 · $107,450 Sporting Goods Stores3,679 · $121,000 Gasoline Stations with Convenience Stores2,813 · $1,292,200 Electronic Shopping and Mail-Order Houses2,417 · $100,000 Clothing and Clothing Accessories Retailers2,378 · $135,000 Other Direct Selling Establishments2,300 · $150,000 Electronic Shopping2,110 · $50,000 All Other Miscellaneous Retailers1,536 · $150,000

Common questions

How much do SBA lenders typically lend to a optical goods retailers business?: The median SBA approval in NAICS 456130 is $150,000, with the middle 80% of loans between $25,000 and $670,000. Across all industries the median is $180,000.
Which lenders are most active in optical goods retailers?: By dollars approved: First Merchants Bank, Old National Bank, Live Oak Banking Company, Fulton Bank, Colony 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.

We are a publisher, not a lender or broker. We never take applications and are never paid by borrowers. Read the full disclosures.