How Much Can Offices of Optometrists Businesses Get in SBA Loans?
6,781 SBA loans totaling $2.1B have been approved for offices of optometrists businesses (NAICS 621320). The average approved SBA loan is $304K, which is 11% below avg the $340K national average. 888 active lenders fund this industry with a 4.9% default rate on the matured 2018-2021 loan cohort.
At 4.9%, Offices of Optometrists sits well below the 15.4% all-industry SBA default rate (charged-off as a share of resolved loans) — low default risk relative to other SBA industries. Lenders price this risk into rate and structure, which is why matching the file to the right lender matters.
NAICS 621320 (Offices of Optometrists) received 6,781 SBA loans worth $2.1B across 5+ states. Average loan $304K, average term 144 months, 4.9% default rate (resolved-loan basis).888 active SBA-approved lenders fund this industry. Most offices of optometrists loans use the SBA 7(a) program. There are approximately 22,781 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Offices of Optometrists?+44% growth
Which SBA Program Do Offices of Optometrists Businesses Use Most?
What Is the Best SBA Loan for Offices of Optometrists?
The most widely used SBA program for offices of optometrists businesses — flexible terms, multiple use cases
Where Are Offices of Optometrists SBA Loans Most Common?
Top SBA Lenders for Offices of Optometrists
These banks have funded the most SBA loans for offices of optometrists businesses (NAICS 621320). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Wells Fargo Bank National Association(SD) | 618 | $234.0M |
| 2 | JPMorgan Chase Bank, National Association(OH) | 347 | $56.8M |
| 3 | Vision One CU(CA) | 226 | $61.8M |
| 4 | Bank of America, National Association(NC) | 212 | $22.8M |
| 5 | PNC Bank, National Association(DE) | 206 | $60.7M |
Offices of Optometrists Industry Context
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How Does SBA Lending Work for Offices of Optometrists Businesses?
Across all SBA loan programs, 6,781 loans have been approved for businesses classified under NAICS 621320 (Offices of Optometrists), representing $2.1B in total capital deployed. The average approved loan of $304K is 11% below avg the national SBA average of $340K, with typical repayment terms of 144 months.
SBA lending for offices of optometrists is accelerating — loan volume has grown approximately 44% over recent fiscal years. This upward trajectory suggests expanding access to capital and growing lender confidence in this sector. Peak activity occurred in FY2016.
The industry sees a balanced mix of SBA programs, with 15% of loans using the 504 program for fixed asset acquisition and the majority using 7(a) for its flexibility across working capital, equipment, and business acquisition uses. SBA 7(a) loans offer up to $5M with terms up to 25 years for real estate.
PeerSense specializes in matching offices of optometrists business owners with the capital sources most likely to approve their specific deal structure. As an advisory firm (not a lender), we structure your deal across our network of 500+ SBA-approved lenders to find the best terms — our referral fee is established upfront and paid at closing. No retainers.
Frequently Asked Questions — Offices of Optometrists SBA Loans
What is the average SBA loan size for offices of optometrists businesses?
Which SBA loan program is best for a offices of optometrists business?
How many lenders fund SBA loans for offices of optometrists?
What states have the most SBA lending for offices of optometrists?
How does PeerSense help offices of optometrists businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Offices of Optometrists defined by NAICS code 621320. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.