Pearle Vision
43
SBA Loans
$25.1M
Total Financed
$585K
Avg Loan Size
-60%
YoY Loan Growth
How Pearle Vision Compares
- Ranks #24 of 170 Health, Senior & Child Care brands by SBA loan count (#260 of 3,543 overall).
- Its average loan of $585K is 76% above the Health, Senior & Child Care median of $333K.
- Its 2.3% charge-off rate compares to a 1.1% average across all Health, Senior & Child Care brands.
SBA Loan Activity by Fiscal Year
| Fiscal Year | Loans | Total Financed |
|---|---|---|
| FY2020 | 16 | $6.7M |
| FY2021 | 7 | $6.1M |
| FY2022 | 5 | $2.5M |
| FY2023 | 6 | $3.1M |
| FY2024 | 5 | $1.7M |
| FY2025 | 2 | $1.6M |
| FY2026 | 2 | $3.4M |
FY2026 may be a partial year -- the SBA dataset is refreshed quarterly and the most recent fiscal year is often incomplete.
Where Pearle Vision Is Getting SBA-Financed
Recent SBA-Financed Pearle Vision Locations
Borrower names and amounts as reported in the SBA's public 7(a) loan dataset.
Frequently Asked Questions
Is Pearle Vision growing or shrinking?
Pearle Vision's SBA loan count fell 60% year-over-year. A decline in SBA financing doesn't necessarily mean the brand is shrinking -- franchisees may be using other financing, or SBA lending patterns may have shifted broadly.
How much does it cost to open a Pearle Vision franchise?
We don't have that figure -- investment ranges and fees come from a franchisor's Franchise Disclosure Document (FDD), which this site doesn't parse (see methodology). The average SBA loan size of $585K (76% above the typical Health, Senior & Child Care brand's $333K) is a rough proxy, but SBA loans often cover only part of total investment.
What's the SBA loan default rate for Pearle Vision?
1 of 43 SBA loans to Pearle Vision franchisees (2.3%) have been charged off since FY2020, compared to 1.1% across all Health, Senior & Child Care brands.
Top SBA Lenders
- The Huntington National Bank5
- TD Bank, National Association4
- United Community Bank3
- First Merchants Bank3
- Meridian Bank3
Get the Franchise SBA Financing Model -- an editable amortization, P&L, and breakeven calculator. $19.
Source: SBA 7(a) FOIA loan dataset. View dataset