Optometry Practice Funding

Working capital for exam lanes, imaging, buildout, and frame inventory — from $10,000 to $5M, funded in as little as 24 hours. Approved on your deposits, not your FICO.

Funding built for how an optometry practice actually earns

Optometry runs on a delayed-revenue clock. You buy the frames, fit the lenses, and run the exams now — but a big share of that revenue is tied up in vision and medical insurance claims that pay 30, 60, sometimes 90 days later. Meanwhile the lab wants paid, the frame reps want their next order, and the equipment lease doesn't wait for VSP to reimburse you.

Quick Biz Capital funds optometry practices from $10,000 to $5 million — the minimum is $10,000 — with money in your account in as little as 24 hours. We approve based on the deposits flowing through your business bank account, not your personal credit score. FICO 500+ is fine, checking your rate is a soft pull, and working capital needs no collateral.

A real dollar example

Say you want to add an OCT and refresh two exam lanes — about $85,000 in equipment and install — heading into your fall exam rush. You've got roughly $110,000 in insurance and copay deposits landing over the next 45 days, but almost none of it is in the account today.

Instead of putting the practice on hold, you take $85,000 in working capital. The equipment goes in this month, you're billing higher-margin medical exams on the new imaging, and you repay from the deposits as those claims clear. The point isn't the exact numbers — it's that the funding is sized to the cash flow you already have coming, so the practice keeps moving instead of stalling on a slow claims cycle.

Why optometry practices choose us

• Approved on deposits, not credit. We read your business bank statements. Strong, steady deposits matter far more than your FICO — 500+ is workable.
• Real speed. Send recent business bank statements and a signed agreement before early afternoon ET on a weekday, and same-day funding is on the table. Finish on a Friday and it funds Monday.
• Soft pull to check. Seeing your options doesn't ding your credit.
• No collateral for working capital. Your equipment and receivables stay yours.
• $10K to $5M. Enough for one imaging unit or a full second location.

What you can use it for

• OCT, fundus cameras, visual field analyzers, auto-refractors, and phoropters
• Exam-lane buildout, dispensary casework, and optical remodels
• Frame and lens inventory, including seasonal restocks and volume buys
• Practice acquisition, partner buy-ins, and second locations
• Payroll, rent, and lab bills while insurance claims are in transit
• Marketing, EHR/practice-management software, and hiring

Straight answers

How fast can an optometry practice actually get funded?

As little as 24 hours. If we have your recent business bank statements and a signed agreement before early afternoon ET on a weekday, same-day funding is possible. Wrap up on a Friday and it lands Monday.

Do you check my credit?

We do a soft pull to check your options, which doesn't affect your score. Approval leans on your business deposits, and FICO 500+ is fine.

What's the minimum I can get?

$10,000 is the floor. From there we fund up to $5 million depending on your deposits.

Do I need collateral for a new OCT or lane?

Working capital requires no collateral. You can put the funds toward equipment and keep your assets and receivables free and clear.

What do I need to apply?

A few months of recent business bank statements and a couple of minutes. No tax returns or business plan required to get a decision.

Can I use this to buy into or acquire a practice?

Yes. We fund acquisitions, partner buy-ins, and second locations, plus the working capital to operate from day one.