Sterling Opticalsite For Sore vs Texas State Optical
Sterling Opticalsite For Sore vs Texas State Optical: Sterling Opticalsite For Sore costs $170K to $962K to open; Texas State Optical costs $104K to $375K. Sterling Opticalsite For Sore has 7 units, Texas State Optical has 13. SBA loan history: Sterling Opticalsite For Sore = 9 loans (0.0% default); Texas State Optical = 14 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.
Sterling Opticalsite For Sore vs Texas State Optical: 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
Texas State Optical requires the lower minimum capital commitment ($104K vs $170K for Sterling Opticalsite For Sore), a 63% spread.
System Scale & Tenure
On scale, Texas State Optical operates 13 units to Sterling Opticalsite For Sore's 7. Texas State Optical has been operating 90 years (founded 1936) versus 17 for Sterling Opticalsite For Sore (founded 2009), a 73-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
Texas State Optical has the deeper SBA lending track record, with 14 7(a) approvals compared with 9 for Sterling Opticalsite For Sore. Sterling Opticalsite For Sore's peak SBA year was 2018 (4 loans); Texas State Optical's peak was 2011 (4 loans). Sterling Opticalsite For Sore's more recent peak generally indicates fresher lender appetite. Sterling Opticalsite For Sore has the most SBA funded units in PA, with 4. Texas State Optical leads in TX, with 14. Borrowers should pick the brand whose strongest SBA state matches their own state for warmer lender introductions. Average SBA loan size on funded Sterling Opticalsite For Sore deals is $455K vs $251K for Texas State Optical, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 0.0% for Sterling Opticalsite For Sore and 0.0% for Texas State Optical. PeerSense FPI scores come in at 52 (Moderate) for Sterling Opticalsite For Sore and 40 (Fair) for Texas State Optical, giving Sterling Opticalsite For Sore the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 52/100 | 40/100 |
Health Tier | Moderate | Fair |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 9 | 14 |
SBA Volume | – | – |
Default Rate | 0.0% | 0.0% |
Peer Tier | emerging | growing |
Investment & Costs
Total Investment | $170K to $962K | $104K to $375K |
Franchise Fee | $10K | N/A |
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 | 7 | 13 |
Franchised Units | 7 | 13 |
Company Owned | – | – |
Term Length | N/A | N/A |
Brand Information
Year Founded | 2009 | 1936 |
Franchising Since | N/A | N/A |
Years Franchising | N/A | N/A |
Headquarters | POTTSTOWN, PA | HOUSTON, TX |
Category | Offices of Optometrists | Offices of Optometrists |
Website | ||
FDD Year | 2023 | N/A |
Which Is Better, Sterling Opticalsite For Sore or Texas State Optical?
Lower upfront capital required
Tie
Sterling Opticalsite For Sore: $170K starting · Texas State Optical: $104K starting
More SBA lender confidence
Texas State Optical
Sterling Opticalsite For Sore: 9 SBA loans · Texas State Optical: 14 SBA loans
Lower SBA default rate
Tie
Sterling Opticalsite For Sore: 0.0% · Texas State Optical: 0.0%
Larger system & brand presence
Tie
Sterling Opticalsite For Sore: 7 units · Texas State Optical: 13 units
More lender financing options
Texas State Optical
Sterling Opticalsite For Sore: 3 unique lenders · Texas State Optical: 8 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.
Need Funding for Sterling Opticalsite For Sore or Texas State Optical?
PeerSense connects you with 500+ SBA lenders and capital sources. Our referral fee is established upfront and paid at closing.
SBA Lenders & Capital Sources
Retainers or Consulting Fees
10% Down Franchise Loans
About These Franchises
Sterling Opticalsite For Sore vs Texas State Optical: Franchise Funding Comparison
Comparing Sterling Opticalsite For Sore and Texas State Optical is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $104K to $962K.
Sterling Opticalsite For Sore has 9 SBA loans on record and Texas State Optical has 14. 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.
Sterling Opticalsite For Sore vs Texas State Optical, Frequently Asked Questions
Which is a better franchise investment, Sterling Opticalsite For Sore or Texas State Optical?
How much does a Sterling Opticalsite For Sore franchise cost compared to Texas State Optical?
Can I finance Sterling Opticalsite For Sore or Texas State Optical with an SBA loan?
Which has a lower SBA default rate, Sterling Opticalsite For Sore or Texas State Optical?
Talk to PeerSense
Tell us which brand and your budget. We source capital from lenders who have already funded deals in these systems.
Franchise / SBA 7(a): The desk will reach out. No obligation.
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