Club Z!, by the numbers
Every figure below comes from real financed deals — what buyers paid, where, and how the loans performed.
SBA Franchise Directory: listed ✓ (identifier S2345)
7 deals since 2020 · typical deal $74K
7
Deals since 2020
$74K
Typical deal
0
Deals since FY2025
—
Too few deals to score risk
What buyers pay for Club Z!
Most Club Z! deals financed between $25K and $116K. Above $116K, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $1,094
- Down payment (10%)
- $8K
- Cash to close (all-in)
- $11K
Estimates at today's rates and standard 7(a) terms. Not a loan offer.
Could you get the loan?
Three answers. No documents, no credit pull.
Credit score
Available cash (you'll need ~$11K)
Experience
Recent financings
- The Tutor Guru LLC in Wilmington, DE — $74K (2023) · True Access Capital Corporation
- Program
- Community Advantage Initiative
- Subprogram
- Community Advantage Initiative
- Rate at approval
- 8.5% fixed
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $63K (85%)
- Approved
- 3/22/2023
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 2
- Business age
- New Business or 2 years or less
- Industry
- Exam Preparation and Tutoring
Funded by True Access Capital Corporation · Lender record →
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- BE PREPARED TUTORING LLC in Kingsville, MD — $25K (2023) · Manufacturers and Traders Trust Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 13.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $13K (50%)
- Approval → funding
- 18 days
- Approved
- 12/13/2022
- First disbursed
- 12/31/2022
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 2
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Exam Preparation and Tutoring
Funded by Manufacturers and Traders Trust Company · Lender record →
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- BE PREPARED TUTORING LLC in Kingsville, MD — $15K (2023) · Manufacturers and Traders Trust Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 10.5% variable
- Term
- 60 mo (5 yrs)
- SBA guaranteed
- $8K (50%)
- Approval → funding
- 6 days
- Approved
- 12/30/2022
- First disbursed
- 1/5/2023
- Loan status
- Paid in full (3/31/2023)
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 2
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Exam Preparation and Tutoring
Funded by Manufacturers and Traders Trust Company · Lender record →
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- Impact TN, LLC in Knoxville, TN — $65K (2021) · United Midwest Savings Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $59K (90%)
- Approval → funding
- 2 days
- Approved
- 3/29/2021
- First disbursed
- 3/31/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 8
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Exam Preparation and Tutoring
Funded by United Midwest Savings Bank National Association · Lender record →
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- Z Tutoring LLC in Perkasie, PA — $150K (2020) · United Midwest Savings Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $128K (85%)
- Approved
- 4/23/2020
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 2
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Exam Preparation and Tutoring
Funded by United Midwest Savings Bank National Association · Lender record →
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- Committed Works, LLC in Cincinnati, OH — $116K (2020) · purchase · Stock Yards Bank & Trust Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 4.5% fixed
- Term
- 60 mo (5 yrs)
- SBA guaranteed
- $58K (50%)
- Approval → funding
- 39 days
- Approved
- 9/22/2020
- First disbursed
- 10/31/2020
- Loan status
- Paid in full (10/31/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- Change of Ownership
- Industry
- Exam Preparation and Tutoring
If you were the buyer here
- Est. deal size
- $129K
- Est. down payment (10%)
- $13K
- Est. cash at closing
- $17K
- Monthly payment
- $2,161
- Annual debt service
- $26K
- Cash flow needed (1.25×)
- $32K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Stock Yards Bank & Trust Company · Lender record →
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- ENVISION BERNEKING LLC in Henrico, VA — $100K (2020) · United Midwest Savings Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $85K (85%)
- Approval → funding
- 11 days
- Approved
- 9/19/2020
- First disbursed
- 9/30/2020
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 27
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Exam Preparation and Tutoring
Funded by United Midwest Savings Bank National Association · Lender record →
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Who funds Club Z! — and where
Every dot is a financed Club Z! — 7 mapped.
Financed Club Z! locations — list all 7 as text
- Impact TN, LLC — Knoxville · $65K · FY2021 · Exam Preparation and Tutoring
- BE PREPARED TUTORING LLC — Kingsville · $25K · FY2023 · Exam Preparation and Tutoring
- BE PREPARED TUTORING LLC — Kingsville · $15K · FY2023 · Exam Preparation and Tutoring
- Z Tutoring LLC — Perkasie · $150K · FY2020 · Exam Preparation and Tutoring
- ENVISION BERNEKING LLC — Henrico · $100K · FY2020 · Exam Preparation and Tutoring
- Committed Works, LLC — Cincinnati · $116K · FY2020 · Exam Preparation and Tutoring
- The Tutor Guru LLC — Wilmington · $74K · FY2023 · Exam Preparation and Tutoring
Top lenders for this brand
Most active states
- 1.Maryland (2 loans)
- 2.Tennessee (1 loans)
- 3.Pennsylvania (1 loans)
- 4.Virginia (1 loans)
- 5.Ohio (1 loans)
- 6.Delaware (1 loans)
Represent Club Z!?
Claim this brand page free to keep the numbers in context, add your story, and hear about qualified buyers early.
Common questions
How much does a Club Z! cost to buy or open?
The typical deal for Club Z! is $74K across 7 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $8K of buyer cash on a typical deal.
How risky is Club Z!?
Club Z! has 7 SBA loans on record since 2020 — too few to score a reliable failure rate. Judge the unit economics and the franchisor's disclosure document, not a small sample.
Can I finance a Club Z! with an SBA loan?
Yes — Club Z! has been SBA-financed 0 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.
Buying a Club Z! franchise
Most Club Z! buyers finance the purchase or build-out with an SBA 7(a) loan — up to 90% of the cost with roughly 10% down. The typical Club Z! deal financed for $74K, which points to about $8K of buyer cash on a typical purchase. Club Z! is listed in the SBA Franchise Directory (identifier S2345), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Club Z! — a bank that knows the brand approves faster — or pre-qualify for financing to see your likely loan size first.
AI summary
This profile summarizes public SBA financing activity for Club Z! — lender activity, typical loan sizes, financing history, and risk and failure signals where available — via CapBench SBA Intelligence. CapBench is not a lender.
Source: CapBench SBA Intelligence, based on public SBA, lender, franchise, FDIC, and related records. CapBench is not a lender and does not guarantee financing.
Agent summary
This page summarizes public SBA 7(a) financing for Club Z! — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Club Z! is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 7 SBA 7(a) deals since 2020
- $74K typical deal
- 0 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S2345)
- Top lenders: United Midwest Savings Bank National Association, Manufacturers and Traders Trust Company, Stock Yards Bank & Trust Company
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
- Sources:
- Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
- Methodology:
- Sources & methodology
- Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
- Figures come from public records and CapBench methodology; verify before relying on them.
- Financing figures are historical SBA loan records, not a current offer or franchise availability. Confirm SBA Franchise Directory listing with your lender before an LOI.
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Represent Club Z!?
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CapBench analysis of public lending records, FY2020–present. Charge-off rate measured on the FY2020–23 cohort. Not affiliated with Club Z!.