Working Capital for Optical & Eyewear Stores
Optical and eyewear stores carry designer frames and lenses that require significant upfront investment, plus lab equipment to serve patients quickly.
Approval in as little as 24 hours after you apply, with funds sent as soon as the next business day, so optical & eyewear stores never wait on a bank.
Fixed daily or weekly payments sized to your sales, not a balloon due date. Designer frame inventory is expensive to carry across many brands and styles, and a store often cannot predict which specific frames a patient will choose until they walk in.
Funding is a purchase of your future receivables, so you are not pledging equipment, property or personal assets. Insurance reimbursement for eyewear and eye exams can take weeks to arrive, creating a lag between when a store delivers glasses and when it actually gets paid in full.
One approval, draw what you need, and return for additional funding as your optical & eyewear stores business performs. Lens-cutting and lab equipment represents a significant upfront investment that is necessary to offer same-day glasses, a service patients increasingly expect.
Stock designer and everyday frames plus lens inventory across brands and styles.
Invest in lens-cutting and lab equipment to offer faster in-store service.
Cover operating costs while waiting on insurance reimbursement for exams and eyewear.
Yes, many optical and eyewear stores use working capital to cover payroll and supplier costs while insurance claims for eyewear and exams are still processing.
Yes, working capital can be used for any business purpose, including lab equipment that lets you offer same-day glasses to patients.
Funding amounts are based on your store's monthly revenue and time in business, not on the specific cost of your frame inventory.
Paz funds optical & eyewear stores from $2,500 to $5,000,000. Most optical & eyewear stores qualify for $20,000 - $200,000, based on monthly revenue and time in business rather than collateral.
A US business that has operated for at least six months with $10,000 or more in monthly revenue, your last three months of bank statements and your EIN. The application takes about five minutes, and there is no hard credit pull to get pre-qualified.
Optical & Eyewear Stores funding, approved in as little as 24 hours