Ductz, by the numbers
Ductz appears in 5 SBA 7(a) loans since 2020 — from public SBA 7(a) loan records (FY2020–present). 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 →
Your business? Claim this record · Request removal
- 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 →
Your business? Claim this record · Request removal
- 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 →
Your business? Claim this record · Request removal
- 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 →
Your business? Claim this record · Request removal
- 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 →
Your business? Claim this record · Request removal
Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.
One of these businesses yours? Claim your listing or request removal.
Free · No documents · Usually same-day
Serious about buying a Ductz?
Get qualified with a franchise lending specialist before discovery day — know your number first.
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)Ductz lenders in Pennsylvania->
- 2.Virginia (1 loans)Ductz lenders in Virginia->
- 3.Texas (1 loans)Ductz lenders in Texas->
- 4.Georgia (1 loans)Ductz lenders in Georgia->
Represent Ductz?
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 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 2026-08-02.
- 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.
Still have questions about buying a Ductz?
Five minutes with a specialist who's seen Ductz deals close answers more than an hour of searching. Free, usually same-day.
Analyze this franchise in ChatGPT
Use Capbench to compare franchise SBA funding history, lender activity, buyer requirements, and likely financing fit.
ChatGPT will ask you to connect Capbench if you have not already approved it.
Represent Ductz?
Claim this brand page to keep the numbers in context, add your story, and hear about qualified buyers early.
CapBench analysis of public lending records, FY2020–present. Charge-off rate measured on the FY2020–23 cohort. Not affiliated with Ductz.