Ice Cold Air, 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 S3833)
4 deals since 2020 · typical deal $1.0M
4
Deals since 2020
$1.0M
Typical deal
1
Deals since FY2025
—
Too few deals to score risk
What buyers pay for Ice Cold Air
Most Ice Cold Air deals financed between $150K and $2.18M. Above $2.18M, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $13,352
- Down payment (10%)
- $113K
- Cash to close (all-in)
- $156K
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 ~$156K)
Experience
Recent financings
- Magenta Nine LLC in Clearwater, FL — $1.0M (2026) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $766K (75%)
- Approval → funding
- 16 days
- Approved
- 1/13/2026
- First disbursed
- 1/29/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 5
- Business age
- Change of Ownership
- Industry
- General Automotive Repair
If you were the buyer here
- Est. deal size
- $1.1M
- Est. down payment (10%)
- $113K
- Est. cash at closing
- $156K
- Monthly payment
- $12,796
- Annual debt service
- $154K
- Cash flow needed (1.25×)
- $192K
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 Live Oak Banking Company · Lender record →
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- CARS & FAMILIES, INC. in Tampa, FL — $150K (2024) · BayFirst National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 13.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $128K (85%)
- Approval → funding
- 1 days
- Approved
- 8/20/2024
- First disbursed
- 8/21/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 2
- Business age
- Existing or more than 2 years old
- Industry
- General Automotive Repair
Funded by BayFirst National Bank · Lender record →
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- CNB Capital, LLC in Tampa, FL — $150K (2024) · BayFirst National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 13.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $128K (85%)
- Approval → funding
- 6 days
- Approved
- 11/30/2023
- First disbursed
- 12/6/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 1
- Business age
- Existing or more than 2 years old
- Industry
- General Automotive Repair
Funded by BayFirst National Bank · Lender record →
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- ICA Ops Corp in Largo, FL — $2.2M (2023) · The Bank of Tampa
- Program
- 7a General
- Rate at approval
- 7.5% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.6M (75%)
- Approval → funding
- 17 days
- Approved
- 1/6/2023
- First disbursed
- 1/23/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- New Business or 2 years or less
- Industry
- General Automotive Repair
Funded by The Bank of Tampa · Lender record →
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Who funds Ice Cold Air — and where
Every dot is a financed Ice Cold Air — 4 mapped.
Financed Ice Cold Air locations — list all 4 as text
- ICA Ops Corp — Largo · $2.2M · FY2023 · General Automotive Repair
- Magenta Nine LLC — Clearwater · $1.0M · FY2026 · General Automotive Repair
- CARS & FAMILIES, INC. — Tampa · $150K · FY2024 · General Automotive Repair
- CNB Capital, LLC — Tampa · $150K · FY2024 · General Automotive Repair
Top lenders for this brand
Most active states
- 1.Florida (4 loans)
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Common questions
How much does a Ice Cold Air cost to buy or open?
The typical deal for Ice Cold Air is $1.0M across 4 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $112K of buyer cash on a typical deal.
How risky is Ice Cold Air?
Ice Cold Air has 4 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 Ice Cold Air with an SBA loan?
Yes — Ice Cold Air has been SBA-financed 1 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.
Buying a Ice Cold Air franchise
Most Ice Cold Air 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 Ice Cold Air deal financed for $1.0M, which points to about $112K of buyer cash on a typical purchase. Ice Cold Air is listed in the SBA Franchise Directory (identifier S3833), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Ice Cold Air — 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 Ice Cold Air — 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 Ice Cold Air — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Ice Cold Air is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 4 SBA 7(a) deals since 2020
- $1.0M typical deal
- 1 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S3833)
- Top lenders: BayFirst National Bank, The Bank of Tampa, Live Oak Banking 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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CapBench analysis of public lending records, FY2020–present. Charge-off rate measured on the FY2020–23 cohort. Not affiliated with Ice Cold Air.