Ductz, 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 S0484)
5 deals since 2020 · typical deal $150K
5
Deals since 2020
$150K
Typical deal
2
Deals since FY2025
—
Too few deals to score risk
What buyers pay for Ductz
Most Ductz deals financed between $150K and $190K. Above $190K, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $2,218
- Down payment (10%)
- $17K
- Cash to close (all-in)
- $21K
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 ~$21K)
Experience
Recent financings
- Duct Cleaners of Richmond LLC in South Chesterfield, VA — $150K (2025) · CenTrust Bank, A Division of SmartBiz Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 12% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $128K (85%)
- Approval → funding
- 2 days
- Approved
- 8/26/2025
- First disbursed
- 8/28/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 4
- Business age
- Existing or more than 2 years old
- Industry
- Other Services to Buildings and Dwellings
Funded by CenTrust Bank, A Division of SmartBiz Bank National Association · Lender record →
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- Ferman Harold LLC dba Ductz of Cypress and Tomball in Tomball, TX — $150K (2025) · United Midwest Savings Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $128K (85%)
- Approval → funding
- 13 days
- Approved
- 3/14/2025
- First disbursed
- 3/27/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 3
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Other Services to Buildings and Dwellings
Funded by United Midwest Savings Bank National Association · Lender record →
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- DUCTZ of South Central PA in Mountville, PA — $190K (2024) · purchase · Beacon Bank and Trust
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $143K (75%)
- Approval → funding
- 30 days
- Approved
- 7/31/2024
- First disbursed
- 8/30/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 2
- Business age
- Change of Ownership
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
If you were the buyer here
- Est. deal size
- $211K
- Est. down payment (10%)
- $21K
- Est. cash at closing
- $28K
- Monthly payment
- $2,590
- Annual debt service
- $31K
- Cash flow needed (1.25×)
- $39K
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 Beacon Bank and Trust · Lender record →
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- DUCTZ of South Central PA in Mountville, PA — $12K (2024) · Beacon Bank and Trust
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 10.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $6K (50%)
- Approved
- 7/31/2024
- Loan status
- Committed
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 2
- Business age
- New Business or 2 years or less
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
Funded by Beacon Bank and Trust · Lender record →
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- Giant Oak, Inc. in Tyrone, GA — $920K (2020) · purchase · SouthState Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 5.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $690K (75%)
- Approval → funding
- 22 days
- Approved
- 4/16/2020
- First disbursed
- 5/8/2020
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 11
- Business age
- Change of Ownership
- Industry
- Other Personal and Household Goods Repair and Maintenance
If you were the buyer here
- Est. deal size
- $1.0M
- Est. down payment (10%)
- $102K
- Est. cash at closing
- $140K
- Monthly payment
- $9,984
- Annual debt service
- $120K
- Cash flow needed (1.25×)
- $150K
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 SouthState Bank, National Association · Lender record →
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Who funds Ductz — and where
Every dot is a financed Ductz — 5 mapped.
Financed Ductz locations — list all 5 as text
- DUCTZ of South Central PA — Mountville · $12K · FY2024 · Plumbing, Heating, and Air-Conditioning Contractors
- DUCTZ of South Central PA — Mountville · $190K · FY2024 · Plumbing, Heating, and Air-Conditioning Contractors
- Duct Cleaners of Richmond LLC — South Chesterfield · $150K · FY2025 · Other Services to Buildings and Dwellings
- Ferman Harold LLC dba Ductz of Cypress and Tomball — Tomball · $150K · FY2025 · Other Services to Buildings and Dwellings
- Giant Oak, Inc. — Tyrone · $920K · FY2020 · Other Personal and Household Goods Repair and Maintenance
Top lenders for this brand
Most active states
- 1.Pennsylvania (2 loans)
- 2.Virginia (1 loans)
- 3.Texas (1 loans)
- 4.Georgia (1 loans)
Represent Ductz?
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Common questions
How much does a Ductz cost to buy or open?
The typical deal for Ductz is $150K across 5 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $17K of buyer cash on a typical deal.
How risky is Ductz?
Ductz has 5 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 Ductz with an SBA loan?
Yes — Ductz has been SBA-financed 2 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.
Buying a Ductz franchise
Most Ductz 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 Ductz deal financed for $150K, which points to about $17K of buyer cash on a typical purchase. Ductz is listed in the SBA Franchise Directory (identifier S0484), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Ductz — 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 Ductz — 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 Ductz — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Ductz is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 5 SBA 7(a) deals since 2020
- $150K typical deal
- 2 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S0484)
- Top lenders: Beacon Bank and Trust, CenTrust Bank, A Division of SmartBiz Bank National Association, United Midwest Savings Bank National Association
- 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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CapBench analysis of public lending records, FY2020–present. Charge-off rate measured on the FY2020–23 cohort. Not affiliated with Ductz.