{"ok":true,"canonical_url":"https://www.capbench.com/franchises/zero-latency","api_url":"https://www.capbench.com/api/public/franchises/zero-latency","data_freshness":{"sba_records_through":"2026-05-31","fdic_records_through":"2026-03-31","dealroom_last_updated":"2026-06-17","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":"Zero Latency","slug":"zero-latency","url":"https://www.capbench.com/franchises/zero-latency","sbaLoansSince2020":11,"businessPurchases":0,"typicalDeal":400000,"dealRange25th75th":[250000,977400],"avgRatePct":8.85,"failureRatePct":null,"failureRateNote":"too few loans to score","loansSinceFY2025":3,"topLenders":[{"name":"The Huntington National Bank","count":2,"url":"https://www.capbench.com/lenders/the-huntington-national-bank"},{"name":"Incommons Bank NA","count":1,"url":null},{"name":"Manufacturers and Traders Trust Company","count":1,"url":"https://www.capbench.com/lenders/manufacturers-and-traders-trust-company"},{"name":"The Bancorp Bank National Association","count":1,"url":"https://www.capbench.com/lenders/the-bancorp-bank-national-association"},{"name":"Celtic Bank Corporation","count":1,"url":"https://www.capbench.com/lenders/celtic-bank-corporation"}],"topStates":[{"count":2,"state":"NY"},{"count":2,"state":"IN"},{"count":1,"state":"WV"},{"count":1,"state":"CO"},{"count":1,"state":"LA"},{"count":1,"state":"TX"},{"count":1,"state":"CA"},{"count":1,"state":"FL"}],"recentDeals":[{"borrower":"Grid City VR","city":"Westminster","state":"CO","amount":1315000,"fiscalYear":2026,"businessPurchase":false,"lender":"The Bancorp Bank National Association"},{"borrower":"Revive Project 1 LLC","city":"Ithaca","state":"NY","amount":250000,"fiscalYear":2026,"businessPurchase":false,"lender":"Manufacturers and Traders Trust Company"},{"borrower":"VR504 LLC","city":"New Orleans","state":"LA","amount":977400,"fiscalYear":2025,"businessPurchase":false,"lender":"Celtic Bank Corporation"},{"borrower":"Youngs Restaurant Group LLC","city":"Charleston","state":"WV","amount":1240000,"fiscalYear":2023,"businessPurchase":false,"lender":"Incommons Bank NA"},{"borrower":"Super Shop, LLC.","city":"Austin","state":"TX","amount":482500,"fiscalYear":2023,"businessPurchase":false,"lender":"Gulf Coast Bank and Trust Company"},{"borrower":"Zero Latency New York Inc.","city":"Watertown","state":"NY","amount":35000,"fiscalYear":2023,"businessPurchase":false,"lender":"KeyBank National Association"},{"borrower":"Limitless VR, LLC","city":"Jacksonville","state":"FL","amount":400000,"fiscalYear":2022,"businessPurchase":false,"lender":"Pineland Bank"},{"borrower":"E:Lucid LLC","city":"West Chester","state":"OH","amount":315000,"fiscalYear":2022,"businessPurchase":false,"lender":"Republic Bank & Trust Company"},{"borrower":"The Waypoint Vrcade LLC","city":"Mishawaka","state":"IN","amount":619000,"fiscalYear":2020,"businessPurchase":false,"lender":"The Huntington National Bank"},{"borrower":"New Realm VR LLC","city":"Rancho Cucamonga","state":"CA","amount":250000,"fiscalYear":2020,"businessPurchase":false,"lender":"CDC Small Business Finance Corp."}]},"for_agents":{"mcp_endpoint":"https://www.capbench.com/api/mcp","docs":"https://www.capbench.com/for-agents","recommended_next_step":"Buyers considering a Zero Latency 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 Zero Latency purchase is SBA-financeable.","mcp_tool":"evaluate_franchise_sba_fit","args":{"franchise_brand":"Zero Latency"},"web_url":"https://www.capbench.com/franchises/zero-latency?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 Zero Latency.","mcp_tool":"find_franchise_sba_lenders","args":{"franchise_brand":"Zero Latency"},"web_url":"https://www.capbench.com/franchises/zero-latency?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 Zero Latency SBA Lender Report (matched lenders, comparables, benchmarks).","mcp_tool":"preview_franchise_sba_fit","args":{"franchise_brand":"Zero Latency"},"web_url":"https://www.capbench.com/franchises/zero-latency?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/zero-latency","source_type":"CapBench Data"}}