How Much Can Optical Goods Stores Businesses Get in SBA Loans?
1,067 SBA loans totaling $220.1M have been approved for optical goods stores businesses (NAICS 446130). The average approved SBA loan is $206K, which is 39% below avg the $340K national average. 252 active lenders fund this industry with a 15.2% default rate on the matured 2018-2021 loan cohort.
At 15.2%, Optical Goods Stores sits below the 15.4% all-industry SBA default rate (charged-off as a share of resolved loans) — moderate 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 446130 (Optical Goods Stores) received 1,067 SBA loans worth $220.1M across 5+ states. Average loan $206K, average term 100 months, 15.2% default rate (resolved-loan basis).252 active SBA-approved lenders fund this industry. Most optical goods stores loans use the SBA 7(a) program. There are approximately 11,662 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Optical Goods Stores?
Which SBA Program Do Optical Goods Stores Businesses Use Most?
What Is the Best SBA Loan for Optical Goods Stores?
The most widely used SBA program for optical goods stores businesses — flexible terms, multiple use cases
Where Are Optical Goods Stores SBA Loans Most Common?
Top SBA Lenders for Optical Goods Stores
These banks have funded the most SBA loans for optical goods stores businesses (NAICS 446130). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Wells Fargo Bank National Association(SD) | 63 | $20.5M |
| 2 | Bank of America, National Association(NC) | 62 | $3.5M |
| 3 | JPMorgan Chase Bank, National Association(OH) | 55 | $6.6M |
| 4 | PNC Bank, National Association(DE) | 50 | $5.4M |
| 5 | Manufacturers and Traders Trust Company(NY) | 39 | $4.4M |
Optical Goods Stores Industry Context
Ready to Fund Your Optical Goods Stores Business?
PeerSense places SBA loans for optical goods stores businesses nationwide. We match you with the right capital source — no retainers, referral fee at closing.
Retainers
Down with SBA 7(a)
Terms Available
Financing a Optical Goods Stores business? Get matched to an SBA lender.
Tell us your loan amount and use of funds. We route you to the lender most likely to fund a deal in your industry.
SBA 7(a) / 504 — Response within 4 business hours. No obligation.
How Does SBA Lending Work for Optical Goods Stores Businesses?
Across all SBA loan programs, 1,067 loans have been approved for businesses classified under NAICS 446130 (Optical Goods Stores), representing $220.1M in total capital deployed. The average approved loan of $206K is 39% below avg the national SBA average of $340K, with typical repayment terms of 100 months.
SBA lending for optical goods stores has remained relatively stable across recent fiscal years. 252 active lenders continue funding this sector, providing consistent access to capital for both new ventures and established businesses looking to expand.
The overwhelming majority of SBA lending for optical goods stores uses the 7(a) program, which provides the most flexibility — covering working capital, equipment purchases, partner buyouts, debt refinancing, and business acquisitions up to $5M with terms up to 25 years.
PeerSense specializes in matching optical goods stores 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 — Optical Goods Stores SBA Loans
What is the average SBA loan size for optical goods stores businesses?
Which SBA loan program is best for a optical goods stores business?
How many lenders fund SBA loans for optical goods stores?
What states have the most SBA lending for optical goods stores?
How does PeerSense help optical goods stores businesses get SBA loans?
Related Retail Trade Industries
Gasoline Stations with Convenience Stores
Beer, Wine, and Liquor Stores
Supermarkets and Other Grocery (except Convenience) Stores
Convenience Stores
Used Car Dealers
Pharmacies and Drug Stores
Data aggregated from SBA loan records (1992–2025). Optical Goods Stores defined by NAICS code 446130. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.