PROFITTHEORY

Optometry practice financing

Optometry practice loans for acquisitions, cold starts and equipment

Optometry lenders look at the practice's split between professional fees and optical sales, vision-plan and medical billing mix, and your production history. Optical inventory and diagnostic equipment are often a meaningful part of the financing request.

Request a financing introduction Estimate a payment

Estimates only. Results vary. No guarantee of approval, rates or savings.

Profit Theory is not a lender. Providers make all funding decisions; approval is never guaranteed.

Common optometry financing needs

  • Buying an existing practice or a retiring OD's patient base.
  • Cold-start practice: build-out, optical dispensary and opening inventory.
  • Diagnostic equipment such as OCT, retinal imaging and visual field analyzers.
  • Expanding into medical optometry or specialty services like myopia management or dry eye.

Know your revenue mix

Lenders often want to see professional services, optical retail and medical eye care separately, along with your vision-plan versus medical-insurance mix. Clean reporting by category makes underwriting easier and helps you see where margin comes from.

Run the numbers

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$
% APR

Use a rate you were quoted, or test a range. Not a quote.

years

10 years / 120 months

% of loan

Estimated monthly payment

$5,822.89

Total interest

$248,747

Total repaid

$698,747

Fixed-rate, fully amortizing estimate. Excludes variable-rate changes, prepayment terms, guarantee fees and closing costs unless entered. Not an offer or approval.

Talk to a financing specialistOptional. Your result stays on this page.

Estimates only. Results vary. No guarantee of approval, rates or savings.

Talk with a financing specialist

Common questions

Do you work with optometry practices?

We're confirming provider fit for optometry deals case by case and will tell you plainly if we don't have an appropriate provider.

Can optical inventory be financed?

Some lenders include opening inventory in a startup or acquisition package; others treat it separately. Ask each provider.