An independent optical practice in New York state operates with an on-site optical lab, enabling faster turnaround times and higher margins than retail competitors dependent on outside lab services. The community-centered practice has built a loyal patient base with strong retention, and the vertical integration of frame sales, lens dispensing, and on-site fabrication supports multiple revenue streams per customer visit. Recession-resistant demand for vision correction and a distinctive service model relative to chain competitors underpin consistent profitability.
An illustrative SBA 7(a) scenario based on the figures above. Model your own assumptions in the SBA loan calculator.
Illustrative only — not a financing offer. Assumes a 10% down payment and a 10-year SBA 7(a) loan at 10.5%. Actual terms vary by lender, deal structure, and buyer profile.
The DSCR shown is computed on raw cash flow — before the owner-salary, maintenance-capex, and rent adjustments SBA lenders apply when underwriting. Model the lender's view in the DSCR calculator.
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The asking price is $699,000. Exact terms and any seller financing are confirmed directly with the seller after you sign up.
This business reports approximately $196,000 in annual cash flow (SDE/EBITDA), implying a 3.6x multiple on the asking price.
It operates in the New York area. The exact city is shown after you create a free Searcher OS account.
Many businesses in this price range qualify for SBA 7(a) financing, which can cover up to 90% of the purchase price over a 10-year term. See the financing snapshot above for an illustrative scenario.
