Frame inventory across premium brands
Stock the diverse frame board across premium brands that drives margin and patient loyalty.
Hundreds of Frame SKUs. Edging Equipment. Exam Rooms. Capital Sized for Optical.
A working capital line of credit up to $1.5M for optical and vision stores. Fund frame inventory, edging equipment, and the practice infrastructure that wins patients.
Capital for the modern optical business.
Independent optical and vision stores compete in a market dominated by large chains and online retailers. Winning requires premium frame inventory across hundreds of SKUs from dozens of brands. Edging and lens fabrication equipment represents meaningful capital investment. Exam room buildout, including phoropters, slit lamps, and OCT systems, compounds the equipment stack. Add the cost of an optometrist contract, the marketing required to win against chain advertising, and the working capital required to bridge insurance and vision plan reimbursement cycles, and the capital demands are continuous.
Commercial Capital Connect provides independent optical operators a working capital line of credit up to $1.5 million with interest-only options. Stock the frame board. Add an edger. Build out the exam room. Bridge VSP and EyeMed reimbursement cycles. Same-day approvals and the flexibility to compete against the chains.
Edging and lens fabrication equipment
Add edgers, blockers, and lens fabrication equipment that brings work in-house and improves margin.
Exam room equipment and OCT
Fund phoropters, slit lamps, OCT systems, and the diagnostic infrastructure that supports modern optometric practice.
Bridging vision plan reimbursement cycles
Cover operating costs while VSP, EyeMed, and other vision plan reimbursement cycles clear.
Multi-location and second store expansion
Fund lease, buildout, and opening inventory for a second or third store.
Basic line of credit review criteria
These are baseline review items, not an approval, offer, or commitment to lend.
- Estimated Equifax score of 575 or higher
- Operating at least 30 days
- About $17,000+ in average monthly revenue
- Active commercial business location
- 0 to 2 active cash advances preferred
Why Commercial Capital Connect
CCC is a business finance marketplace, not a direct lender. One application can help compare potential options through a network of 75+ lending partners.
Inventory-heavy retail with medical infrastructure
We understand the hybrid nature of optical retail and underwrite to it.
Vision plan reimbursement cycles are familiar
We understand vision plan reimbursement timing and the working capital required to bridge it.
Interest-only payment options
Keep monthly costs lean during ramp and pay down principal as patient revenue lands.
Refinance restrictive financing
Pay off up to two existing cash advances or short-term loans into a flexible LOC.
Optical & Vision Stores funding FAQ
Can an independent single-location optical qualify?
Yes. Independent single-location stores qualify on the standard criteria: 575 Equifax, 30 days TIB, $200K annual revenue.
Can the line fund a frame inventory expansion?
Yes. Frame inventory expansion is one of the most common uses of working capital in the optical category.
What about adding an edger and bringing fabrication in-house?
Edging equipment, blockers, and fabrication infrastructure are valid working capital uses.
Can the line bridge VSP and EyeMed receivables?
Yes. Vision plan reimbursement bridging is a textbook use of the line.
How does the line support an independent against chain competition?
The line provides flexible capital for inventory, marketing, equipment, and any other business purpose that supports competitive positioning.