SBA Lending

Vision One Credit Union offers SBA 7(a) and SBA 504 financing options for private practice optometrists seeking to purchase a practice, acquire owner-occupied commercial real estate, refinance eligible business debt, expand operations, improve a location, or invest in long-term practice growth.

As an SBA Preferred Lender, Vision One Credit Union is positioned to help optometrists navigate the SBA financing process with a lending team that understands private practice ownership, practice transitions, and the unique financial needs of independent optometry.

SBA financing involves more than completing a loan application. Each transaction must meet the rules, regulations, eligibility requirements, documentation standards, and approval guidelines of the U.S. Small Business Administration. Financing must also support repayment capacity and comply with program-specific requirements related to ownership, use of proceeds, collateral, equity injection, occupancy, business valuation, professional licensing, insurance, and closing documentation.

Our SBA financing approach is designed to help private practice optometrists evaluate whether an SBA 7(a) or SBA 504 loan structure is appropriate for their practice goals. We work to understand the transaction, the practice’s cash flow, the borrower’s ownership plan, and the long-term impact of the financing structure.

Whether you are acquiring a practice, buying into ownership, purchasing owner-occupied commercial real estate, refinancing eligible debt, or investing in long-term growth, SBA financing may provide a valuable path forward when structured properly.

Our goal is to help private practice optometrists understand available SBA financing options and select a structure that supports business continuity, cash flow, ownership stability, and long-term practice value.

SBA 7(a) Financing:

SBA 7(a) financing may be used for a variety of eligible business purposes, including practice acquisitions, partner buy-ins or buy-outs, working capital, equipment, leasehold improvements, eligible debt refinance, and other approved practice needs.

For private practice optometrists, SBA 7(a) loans may be a useful option when a transaction requires flexibility in structure, working capital support, or financing for multiple business purposes within a single loan request.

SBA 504 Financing:

SBA 504 financing is generally designed for major fixed assets, including owner-occupied commercial real estate, eligible construction, building improvements, and certain long-term fixed asset projects.

For optometrists purchasing, refinancing, building, or improving an owner-occupied practice property, SBA 504 financing may provide a structured solution that supports long-term real estate ownership and practice stability.

Financing Highlights: 

• SBA 7(a) and SBA 504 financing options available for eligible practice needs
• Financing may support practice acquisitions, partner transitions, equipment, working capital, real estate, improvements, expansion, and eligible refinancing
• Longer-term repayment structures may be available depending on the SBA program and approved use of proceeds
• SBA 504 loans may be available for qualifying owner-occupied commercial real estate and major fixed asset projects
• SBA 7(a) loans may provide flexibility for practice transition, working capital, and general business financing needs
• Structured around SBA eligibility requirements, borrower qualifications, collateral, cash flow, and transaction purpose

Common Financing Uses: 

• Practice acquisitions and ownership transitions
• Partner buy-ins and buy-outs
• Owner-occupied commercial real estate purchases
• Eligible commercial real estate refinances
• Practice relocation or expansion
• Leasehold improvements and buildouts
• Equipment and technology purchases
• Working capital for eligible business purposes
• Eligible debt refinance or consolidation
• Long-term fixed asset financing

All SBA financing is subject to credit approval, SBA eligibility, SBA rules and regulations, collateral review, valuation support, professional licensing eligibility, required equity injection when applicable, insurance requirements, documentation requirements, and applicable underwriting guidelines. SBA loan terms, conditions, fees, guaranty requirements, and program availability are subject to change under U.S. Small Business Administration rules and regulations.

Call 800-327-2628 or Email lendingdept@visionone.org to get started.