Tool

Optometry Practice Loan Calculator

Estimate optometry practice acquisition or startup financing with purchase price, exam lane equipment, optical inventory, tenant improvements, working capital, owner optometrist compensation, debt service, DSCR, and funding gaps.

Practice purchase price / startup budget Exam lanes, diagnostic equipment, and software Frames, lenses, and optical inventory Tenant improvements / retail buildout Working capital reserve Closing, legal, and professional costs Borrower cash contribution Practice loan amount Annual interest rate % Term months Origination / lender fee % Fixed lender fees Projected annual revenue Optical COGS and lab costs % Payroll, rent, and operating expense % Annual owner optometrist compensation Existing monthly debt service Target DSCR

Model optical inventory, lab costs, and owner pay together

Optometry practice financing often depends on exam lane equipment, diagnostic devices, frame and lens inventory, optical margins, managed vision plan mix, retail buildout, staff payroll, owner optometrist compensation, existing debt, and lender DSCR. Compare this estimate with the medical practice loan calculator, dental practice loan calculator, business acquisition loan calculator, SBA 7(a) loan calculator, equipment financing calculator, and DSCR calculator.

This calculator is an estimate for planning and comparison only. It does not provide lending, valuation, accounting, tax, legal, optometry practice management, payer-contracting, optical retail, or clinical advice. Confirm numbers with your lender, CPA, attorney, broker, practice consultant, and billing advisor.