Funding for Optometrists & Eyewear
Eyewear sales ring through the card terminal every day, which suits a merchant cash advance, while exam lanes, OCT, and edging equipment are exactly what equipment financing exists for — up to 100% of the cost.
Optometry has a cash cycle most lenders never bother to understand. Vision plans and medical insurance reimburse on their own schedule, frame vendors want payment up front for boards you will sell over months, and the equipment that keeps you competitive — OCT, autorefractors, a full exam lane, an in-house edging lab — carries price tags that make a dental practice wince. A bank takes weeks to decide; your buying window for next season's frames does not. Broadway works off your actual deposits: one short form, three months of bank statements, a soft credit pull, a same-day decision, and funding in as little as 24 hours. With 50+ programs across 25+ funders, we can fund the clinic side, the retail side, or both.
The challenge
You run two businesses under one roof: a clinic that waits 30 to 90 days on vision plans, and a retail store that pays for frame inventory months before it sells. Both sides need capital, and banks are slow for each.
How Broadway Advance helps
Eyewear sales ring through the card terminal every day, which suits a merchant cash advance, while exam lanes, OCT, and edging equipment are exactly what equipment financing exists for — up to 100% of the cost.
What owners use it for
- Finance an OCT, autorefractor, or full exam lane upgrade
- Stock frame inventory ahead of peak season without draining cash
- Bring lens edging in-house and stop paying lab turnaround times
- Bridge vision plan and medical reimbursements while payroll runs on time
- Renovate the dispensary so the retail floor sells like one
- Open a second location or buy a retiring OD's practice
See your real number in about five minutes.
Apply nowFunding options that fit optometrists & eyewear
Equipment Financing
Buy the equipment you need; the equipment itself secures the deal.
Up to 100% of equipment cost →Merchant Cash Advance
Immediate cash today in exchange for a small slice of future sales.
Up to $2,000,000 →Business Line of Credit
A revolving cash reserve you only pay for when you draw on it.
Flexible limits →Optometrists & Eyewear funding questions
Can I finance an OCT or exam lane without putting cash down?
Often, yes. Broadway's equipment financing can cover up to 100% of the cost, with the equipment itself serving as collateral — new or used from a reputable dealer. That matters in optometry because diagnostic equipment is how you compete with the chains, and paying cash for it strips the money you need for frames and payroll. One short form, three months of bank statements, soft credit pull, same-day decision.
Frame vendors want payment up front. Does funding make sense for inventory?
It can, if you are honest about turn. Frames you will sell through in a season at keystone margins can justify the cost of fast capital; boards that sit for a year cannot. A merchant cash advance fits here because remittance tracks your daily sales — heavier when the dispensary is busy, lighter when it is not. An MCA costs more than a bank loan, so buy inventory you know moves, not inventory you hope does.
My revenue is split between insurance and retail. How do you underwrite that?
Simply: we read three months of bank statements and look at total deposits. We do not penalize you for the mix — vision plan checks, medical reimbursements, and card batches all count as revenue. If anything the split helps you, because the retail side gives you daily cash flow that pure-clinic practices lack. Most optometry files get a same-day decision, and funding can land in as little as 24 hours.