How Much Can Ophthalmic Goods Merchant Wholesalers Businesses Get in SBA Loans?
187 SBA loans totaling $62.9M have been approved for ophthalmic goods merchant wholesalers businesses (NAICS 423460). The average approved SBA loan is $336K, which is near national avg the $340K national average. 76 active lenders fund this industry with a 24.6% default rate on the matured 2018-2021 loan cohort.
At 24.6%, Ophthalmic Goods Merchant Wholesalers sits well above the 15.4% all-industry SBA default rate (charged-off as a share of resolved loans) — elevated 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 423460 (Ophthalmic Goods Merchant Wholesalers) received 187 SBA loans worth $62.9M across 5+ states. Average loan $336K, average term 97 months, 24.6% default rate (resolved-loan basis).76 active SBA-approved lenders fund this industry. Most ophthalmic goods merchant wholesalers loans use the SBA 7(a) program. There are approximately 1,021 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Ophthalmic Goods Merchant Wholesalers?+133% growth
Which SBA Program Do Ophthalmic Goods Merchant Wholesalers Businesses Use Most?
What Is the Best SBA Loan for Ophthalmic Goods Merchant Wholesalers?
The most widely used SBA program for ophthalmic goods merchant wholesalers businesses — flexible terms, multiple use cases
Where Are Ophthalmic Goods Merchant Wholesalers SBA Loans Most Common?
Top SBA Lenders for Ophthalmic Goods Merchant Wholesalers
These banks have funded the most SBA loans for ophthalmic goods merchant wholesalers businesses (NAICS 423460). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Bank of America, National Association(NC) | 16 | $2.9M |
| 2 | TD Bank, National Association(DE) | 14 | $1.0M |
| 3 | Bank of Hope(CA) | 11 | $2.0M |
| 4 | JPMorgan Chase Bank, National Association(OH) | 10 | $647K |
| 5 | Wells Fargo Bank National Association(SD) | 10 | $4.0M |
Ophthalmic Goods Merchant Wholesalers Industry Context
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How Does SBA Lending Work for Ophthalmic Goods Merchant Wholesalers Businesses?
Across all SBA loan programs, 187 loans have been approved for businesses classified under NAICS 423460 (Ophthalmic Goods Merchant Wholesalers), representing $62.9M in total capital deployed. The average approved loan of $336K is near national avg the national SBA average of $340K, with typical repayment terms of 97 months.
SBA lending for ophthalmic goods merchant wholesalers is accelerating — loan volume has grown approximately 133% over recent fiscal years. This upward trajectory suggests expanding access to capital and growing lender confidence in this sector. Peak activity occurred in FY2017.
The industry sees a balanced mix of SBA programs, with 8% 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 ophthalmic goods merchant wholesalers 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 — Ophthalmic Goods Merchant Wholesalers SBA Loans
What is the average SBA loan size for ophthalmic goods merchant wholesalers businesses?
Which SBA loan program is best for a ophthalmic goods merchant wholesalers business?
How many lenders fund SBA loans for ophthalmic goods merchant wholesalers?
What states have the most SBA lending for ophthalmic goods merchant wholesalers?
How does PeerSense help ophthalmic goods merchant wholesalers businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Ophthalmic Goods Merchant Wholesalers defined by NAICS code 423460. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.