Optometry combines a clinical practice with a retail optical — both capital-intensive. Optometry practice funding covers diagnostic equipment, frames inventory and build-out so you can open, expand or buy a practice.
What optometry practice owners fund
- Diagnostic equipment — OCT, autorefractors, phoropters and imaging
- Optical inventory — frames, lenses and edging equipment
- Build-out — exam rooms, dispensary and signage
- Acquisition — buy or start a practice
Reimbursements run behind? A line of credit bridges insurance timing while you keep the dispensary stocked and staff paid.
Funding options
Equipment financing and medical equipment financing cover diagnostics and edging; SBA loans and acquisition loans fund opening or buying; a line of credit stocks optical inventory.
Typical guidelines
| Requirement | Typical minimum |
|---|---|
| Time in business | 6+ months (startup options for equipment) |
| Monthly revenue | $10,000+ for revenue-based options |
| Credit score | No minimum on many programs |
| Documents | Application + 3 months bank statements |
Frequently asked questions
Can I finance optometry equipment?
Yes. Diagnostic and edging equipment is financed with the equipment as collateral, keeping approvals flexible.
How do I finance buying an optometry practice?
SBA and acquisition loans fund the purchase, underwritten on the practice's cash flow.