How much do SBA lenders typically lend to a offices of optometrists business?

The median SBA approval in NAICS 621320 is $243,000, with the middle 80% of loans between $35,000 and $982,000. Across all industries the median is $180,000.

Which lenders are most active in offices of optometrists?

By dollars approved: Wells Fargo Bank, Live Oak Banking Company, The Huntington National Bank, PNC Bank, Vision One CU. 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 offices of optometrists considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 2.7% were charged off, versus 7.6% across all SBA lending. That is below average, which generally makes lenders more comfortable with the sector.

NAICS 621320 · Health Care

SBA loans for offices of optometrists

3,387 SBA loans worth $1.43B have been approved in this industry since FY2010 - the #74 most-financed NAICS code in the country.

Median loan

$243,000

+35% vs all industries

Typical range

$35K-$982K

Middle 80%

Median rate

6.00%

7(a) initial note rate

Median term

10 yr

Charge-off rate

2.7%

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
Wells Fargo Bank	236	$157.8M
Live Oak Banking Company	78	$95.5M
The Huntington National Bank	148	$48.8M
PNC Bank	87	$41.0M
Vision One CU	115	$35.8M
JPMorgan Chase Bank	192	$34.7M
United Midwest Savings Bank	34	$30.3M
U.S. Bank	85	$29.3M
Fifth Third Bank	38	$20.9M
Stearns Bank	69	$18.9M

Geography

Where these loans were made

State	Loans	Share
California	358
Texas	341
New York	159
Florida	158
Ohio	148
Michigan	133
Illinois	127
Utah	106

Approvals by fiscal year

’10

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’26

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
12%
$50K - $150K
22%
$150K - $350K
28%
$350K - $1M
27%
$1M - $2M
7%
Over $2M
3%

Nearby

Other health care industries

See the sector

Offices of Dentists18,185 · $405,000 Offices of Physicians15,804 · $270,000 Child Care Services15,205 · $387,000 Offices of Chiropractors9,664 · $125,950 Home Health Care Services7,245 · $166,000 Offices of All Other Miscellaneous Health Practitioners5,784 · $150,000 Offices of Physical, Occupational and Speech Therapists, and Audiologists5,730 · $145,000 Offices of Mental Health Practitioners4,139 · $135,000

Common questions

How much do SBA lenders typically lend to a offices of optometrists business?: The median SBA approval in NAICS 621320 is $243,000, with the middle 80% of loans between $35,000 and $982,000. Across all industries the median is $180,000.
Which lenders are most active in offices of optometrists?: By dollars approved: Wells Fargo Bank, Live Oak Banking Company, The Huntington National Bank, PNC Bank, Vision One CU. 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 offices of optometrists considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 2.7% were charged off, versus 7.6% across all SBA lending. That is below average, which generally makes lenders more comfortable with the sector.

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