{"ok":true,"canonical_url":"https://www.capbench.com/franchises/sub-zero-ice-cream-yogurt-sub-zero-nitrogen-ice-cream-sub","api_url":"https://www.capbench.com/api/public/franchises/sub-zero-ice-cream-yogurt-sub-zero-nitrogen-ice-cream-sub","data_freshness":{"sba_records_through":"2026-05-31","fdic_records_through":"2026-03-31","dealroom_last_updated":"2026-06-21","timezone":"America/Chicago"},"methodology":{"label":"Franchise financing & failure-rate methodology","url":"https://www.capbench.com/methodology/franchise-risk"},"source_summary":["Public SBA 7(a) loan records","FDIC institution data","CapBench lender and franchise enrichment"],"franchise":{"brand":"Sub Zero Ice Cream & Yogurt/Sub Zero Nitrogen Ice Cream/Sub ","slug":"sub-zero-ice-cream-yogurt-sub-zero-nitrogen-ice-cream-sub","url":"https://www.capbench.com/franchises/sub-zero-ice-cream-yogurt-sub-zero-nitrogen-ice-cream-sub","sbaLoansSince2020":8,"businessPurchases":0,"typicalDeal":185000,"dealRange25th75th":[175000,275000],"avgRatePct":8.84,"failureRatePct":null,"failureRateNote":"too few loans to score","loansSinceFY2025":0,"topLenders":[{"name":"The Huntington National Bank","count":3,"url":"https://www.capbench.com/lenders/the-huntington-national-bank"},{"name":"Harvest Small Business Finance, LLC","count":2,"url":"https://www.capbench.com/lenders/harvest-small-business-finance-llc"},{"name":"Needham Bank","count":1,"url":"https://www.capbench.com/lenders/needham-bank"},{"name":"Georgia's Own Credit Union","count":1,"url":"https://www.capbench.com/lenders/georgia-s-own-credit-union"},{"name":"Columbia Bank","count":1,"url":"https://www.capbench.com/lenders/columbia-bank-2"}],"topStates":[{"count":2,"state":"CA"},{"count":2,"state":"CO"},{"count":2,"state":"GA"},{"count":1,"state":"MA"},{"count":1,"state":"WA"}],"recentDeals":[{"borrower":"PAKA LLC","city":"Fort Collins","state":"CO","amount":252000,"fiscalYear":2024,"businessPurchase":false,"lender":"The Huntington National Bank"},{"borrower":"PAKA LLC","city":"Fort Collins","state":"CO","amount":20000,"fiscalYear":2024,"businessPurchase":false,"lender":"The Huntington National Bank"},{"borrower":"LEGENDAIRY CREATIONS, LLC","city":"Ashland","state":"MA","amount":275000,"fiscalYear":2023,"businessPurchase":false,"lender":"Needham Bank"},{"borrower":"Z2M2 ENTERPRISES LLC","city":"Roswell","state":"GA","amount":180000,"fiscalYear":2023,"businessPurchase":false,"lender":"Georgia's Own Credit Union"},{"borrower":"Sub Zero Ice Cream","city":"Simi Valley","state":"CA","amount":175000,"fiscalYear":2023,"businessPurchase":false,"lender":"Harvest Small Business Finance, LLC"},{"borrower":"SUB ZERO ICE CREAM - CALIFORNIA LLC","city":"Simi Valley","state":"CA","amount":701400,"fiscalYear":2021,"businessPurchase":false,"lender":"Harvest Small Business Finance, LLC"},{"borrower":"Lucky Trio 3 LLC","city":"Athens","state":"GA","amount":185000,"fiscalYear":2020,"businessPurchase":false,"lender":"The Huntington National Bank"},{"borrower":"SUB ZERO WASHINGTON, LLC","city":"Federal Way","state":"WA","amount":20000,"fiscalYear":2020,"businessPurchase":false,"lender":"Columbia Bank"}]},"for_agents":{"mcp_endpoint":"https://www.capbench.com/api/mcp","docs":"https://www.capbench.com/for-agents","recommended_next_step":"Buyers considering a Sub Zero Ice Cream & Yogurt/Sub Zero Nitrogen Ice Cream/Sub  purchase typically confirm SBA fit, then find the lenders most active with the brand and pre-qualify before signing. CapBench can arrange a lender introduction — free for buyers.","next_actions":[{"action":"evaluate_franchise_sba_fit","label":"Check SBA fit","description":"Evaluate whether a Sub Zero Ice Cream & Yogurt/Sub Zero Nitrogen Ice Cream/Sub  purchase is SBA-financeable.","mcp_tool":"evaluate_franchise_sba_fit","args":{"franchise_brand":"Sub Zero Ice Cream & Yogurt/Sub Zero Nitrogen Ice Cream/Sub "},"web_url":"https://www.capbench.com/franchises/sub-zero-ice-cream-yogurt-sub-zero-nitrogen-ice-cream-sub?utm_source=agent&utm_medium=entity_funnel&utm_campaign=franchise_fit"},{"action":"find_franchise_sba_lenders","label":"Find SBA lenders","description":"Find SBA lenders active with Sub Zero Ice Cream & Yogurt/Sub Zero Nitrogen Ice Cream/Sub .","mcp_tool":"find_franchise_sba_lenders","args":{"franchise_brand":"Sub Zero Ice Cream & Yogurt/Sub Zero Nitrogen Ice Cream/Sub "},"web_url":"https://www.capbench.com/franchises/sub-zero-ice-cream-yogurt-sub-zero-nitrogen-ice-cream-sub?utm_source=agent&utm_medium=entity_funnel&utm_campaign=franchise_lender_match"},{"action":"unlock_franchise_lender_report","label":"$9 lender report","description":"Unlock the $9 Full Sub Zero Ice Cream & Yogurt/Sub Zero Nitrogen Ice Cream/Sub  SBA Lender Report (matched lenders, comparables, benchmarks).","mcp_tool":"preview_franchise_sba_fit","args":{"franchise_brand":"Sub Zero Ice Cream & Yogurt/Sub Zero Nitrogen Ice Cream/Sub "},"web_url":"https://www.capbench.com/franchises/sub-zero-ice-cream-yogurt-sub-zero-nitrogen-ice-cream-sub?utm_source=agent&utm_medium=entity_funnel&utm_campaign=franchise_report"}]},"caveats":["CapBench data is market intelligence, not a credit decision or SBA eligibility determination.","Final lender fit depends on SBA eligibility, borrower strength, collateral, cash flow, guarantors, and lender policy."],"citation":{"label":"CapBench franchise financing record","url":"https://www.capbench.com/franchises/sub-zero-ice-cream-yogurt-sub-zero-nitrogen-ice-cream-sub","source_type":"CapBench Data"}}