My Eye Lab vs Sterling Opticalsite For Sore
My Eye Lab vs Sterling Opticalsite For Sore: My Eye Lab costs $350K to $539K to open; Sterling Opticalsite For Sore costs $170K to $962K. My Eye Lab has 29 units, Sterling Opticalsite For Sore has 7. SBA loan history: My Eye Lab = 31 loans (6.5% default); Sterling Opticalsite For Sore = 9 loans (0.0% default). The franchise with more SBA funded units, a lower SBA default rate, and a lower royalty load is the safer financing bet; see the comparison below.
My Eye Lab vs Sterling Opticalsite For Sore: Capital, Scale & Lending Analysis
Analysis based on FDD filings and SBA 7(a) loan level data. Each pairing reflects a unique combination of capital intensity, system scale, and financing path.
Capital Intensity
Sterling Opticalsite For Sore requires the lower minimum capital commitment ($170K vs $350K for My Eye Lab), a 106% spread.
System Scale & Tenure
On scale, My Eye Lab operates 29 units to Sterling Opticalsite For Sore's 7, roughly 4× the system size.
SBA Lending Profile
My Eye Lab has the deeper SBA lending track record, with 31 7(a) approvals compared with 9 for Sterling Opticalsite For Sore. My Eye Lab's peak SBA year was 2021 (12 loans); Sterling Opticalsite For Sore's peak was 2018 (4 loans). My Eye Lab's more recent peak generally indicates fresher lender appetite. My Eye Lab has the most SBA funded units in TX, with 16. Sterling Opticalsite For Sore leads in PA, with 4. Borrowers should pick the brand whose strongest SBA state matches their own state for warmer lender introductions. Average SBA loan size on funded My Eye Lab deals is $442K vs $455K for Sterling Opticalsite For Sore, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 6.5% for My Eye Lab and 0.0% for Sterling Opticalsite For Sore, Sterling Opticalsite For Sore has the cleaner SBA loss record by 6.5 points. PeerSense FPI scores come in at 38 (Fair) for My Eye Lab and 52 (Moderate) for Sterling Opticalsite For Sore, giving Sterling Opticalsite For Sore the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 38/100 | 52/100 |
Health Tier | Fair | Moderate |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 31 | 9 |
SBA Volume | – | – |
Default Rate | 6.5% | 0.0% |
Peer Tier | established | emerging |
Investment & Costs
Total Investment | $350K to $539K | $170K to $962K |
Franchise Fee | N/A | $10K |
Royalty Rate | N/A | N/A |
Ad Fund | N/A | N/A |
Liquid Capital | N/A | N/A |
Net Worth Required | N/A | N/A |
Financial Performance (Item 19)
Item 19 Status | Not Disclosed | Not Disclosed |
System Size & Operations
Total Units | 29 | 7 |
Franchised Units | 29 | 7 |
Company Owned | – | – |
Term Length | N/A | N/A |
Brand Information
Year Founded | N/A | 2009 |
Franchising Since | N/A | N/A |
Years Franchising | N/A | N/A |
Headquarters | AUSTIN, TX | POTTSTOWN, PA |
Category | Offices of Optometrists | Offices of Optometrists |
Website | ||
FDD Year | N/A | 2023 |
Which Is Better, My Eye Lab or Sterling Opticalsite For Sore?
Lower upfront capital required
Tie
My Eye Lab: $350K starting · Sterling Opticalsite For Sore: $170K starting
More SBA lender confidence
My Eye Lab
My Eye Lab: 31 SBA loans · Sterling Opticalsite For Sore: 9 SBA loans
Lower SBA default rate
Sterling Opticalsite For Sore
My Eye Lab: 6.5% · Sterling Opticalsite For Sore: 0.0%
Larger system & brand presence
Tie
My Eye Lab: 29 units · Sterling Opticalsite For Sore: 7 units
More lender financing options
My Eye Lab
My Eye Lab: 19 unique lenders · Sterling Opticalsite For Sore: 3 unique lenders
Decision matrix uses publicly disclosed FDD and SBA loan data. Not a recommendation. Your best franchise depends on capital, market, operating capacity, and risk tolerance.
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About These Franchises
My Eye Lab vs Sterling Opticalsite For Sore: Franchise Funding Comparison
Comparing My Eye Lab and Sterling Opticalsite For Sore is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $170K to $962K.
My Eye Lab has 31 SBA loans on record and Sterling Opticalsite For Sore has 9. Those totals are cumulative history rather than a measure of current appetite. Recent lending activity is trending down for at least one of these brands, so current lender appetite has to be checked deal by deal rather than assumed from the totals.
SBA 7(a) loans are the most common franchise funding vehicle, offering up to $5M with as little as 10% down. PeerSense connects franchise buyers with the specific lenders who have approved loans for these brands, not generic referrals, but lenders with actual franchise lending track records.
Data sourced from SBA loan records, Franchise Disclosure Documents, and public filings. Updated regularly. Not financial advice, consult with a lending professional before making investment decisions.
My Eye Lab vs Sterling Opticalsite For Sore, Frequently Asked Questions
Which is a better franchise investment, My Eye Lab or Sterling Opticalsite For Sore?
How much does a My Eye Lab franchise cost compared to Sterling Opticalsite For Sore?
Can I finance My Eye Lab or Sterling Opticalsite For Sore with an SBA loan?
Which has a lower SBA default rate, My Eye Lab or Sterling Opticalsite For Sore?
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Page Review
Reviewed by Edward L. Freeman, Founder and Managing Director, PeerSense
- PeerSense is a capital advisory firm that places commercial financing with direct capital sources; the capital source sets final terms.
- Edward L. Freeman founded PeerSense in January 2020.
- He is a Registered Franchise Consultant with Business Alliance, Inc., a credential issued in March 2022, and worked as a franchise consultant there from March 2022 to May 2023.
- His recorded experience includes a $22 million SBA construction loan, with about $16 million funded on the deal.
- In the 12 months through September 30, 2026, PeerSense tracked 912 publicly announced financings with a disclosed size of $361.32 billion. PeerSense Capital Data Report · Methodology page
Last reviewed LinkedIn profileAbout Edward Freeman