Sub Zero Ice Cream & Yogurt/Sub Zero Nitrogen Ice Cream/Sub , by the numbers
Every figure below comes from real financed deals — what buyers paid, where, and how the loans performed.
8 deals since 2020 · typical deal $185K
8
Deals since 2020
$185K
Typical deal
0
Deals since FY2025
—
Too few deals to score risk
What buyers pay for Sub Zero Ice Cream & Yogurt/Sub Zero Nitrogen Ice Cream/Sub
Most Sub Zero Ice Cream & Yogurt/Sub Zero Nitrogen Ice Cream/Sub deals financed between $175K and $275K. Above $275K, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $2,735
- Down payment (10%)
- $21K
- Cash to close (all-in)
- $27K
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 ~$27K)
Experience
Recent financings
- PAKA LLC in Fort Collins, CO — $252K (2024) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $189K (75%)
- Approval → funding
- 92 days
- Approved
- 5/9/2024
- First disbursed
- 8/9/2024
- Loan status
- Delinquent
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 21
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
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- PAKA LLC in Fort Collins, CO — $20K (2024) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 10.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $10K (50%)
- Approval → funding
- 308 days
- Approved
- 5/9/2024
- First disbursed
- 3/13/2025
- Loan status
- Delinquent
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 21
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
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- LEGENDAIRY CREATIONS, LLC in Ashland, MA — $275K (2023) · Needham Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 126 months
- SBA guaranteed
- $206K (75%)
- Approval → funding
- 11 days
- Approved
- 6/16/2023
- First disbursed
- 6/27/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 27
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Ice Cream and Frozen Dessert Manufacturing
Funded by Needham Bank · Lender record →
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- Z2M2 ENTERPRISES LLC in Roswell, GA — $180K (2023) · Georgia's Own Credit Union
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 66 months
- SBA guaranteed
- $135K (75%)
- Approval → funding
- 4 days
- Approved
- 7/31/2023
- First disbursed
- 8/4/2023
- Loan status
- In liquidation
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 6
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Georgia's Own Credit Union · Lender record →
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- Sub Zero Ice Cream in Simi Valley, CA — $175K (2023) · Harvest Small Business Finance, LLC
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 302 months
- SBA guaranteed
- $131K (75%)
- Approved
- 1/5/2023
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 13
- Business age
- Existing or more than 2 years old
- Industry
- Confectionery and Nut Retailers
Funded by Harvest Small Business Finance, LLC · Lender record →
Your business? Claim this record · Request removal
- SUB ZERO ICE CREAM - CALIFORNIA LLC in Simi Valley, CA — $701K (2021) · Harvest Small Business Finance, LLC
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $631K (90%)
- Approval → funding
- 30 days
- Approved
- 8/25/2021
- First disbursed
- 9/24/2021
- Loan status
- Paid in full (1/31/2026)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 8
- Business age
- Existing or more than 2 years old
- Industry
- Confectionery and Nut Stores
Funded by Harvest Small Business Finance, LLC · Lender record →
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- Lucky Trio 3 LLC in Athens, GA — $185K (2020) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $139K (75%)
- Approval → funding
- 7 days
- Approved
- 9/23/2020
- First disbursed
- 9/30/2020
- Loan status
- Paid in full (1/31/2026)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- SUB ZERO WASHINGTON, LLC in Federal Way, WA — $20K (2020) · Columbia Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 7.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $10K (50%)
- Approval → funding
- 60 days
- Approved
- 12/31/2019
- First disbursed
- 2/29/2020
- Loan status
- Paid in full (1/31/2022)
- Loan type
- Revolving line
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Existing or more than 2 years old
- Industry
- All Other Specialty Food Stores
Funded by Columbia Bank · Lender record →
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Who funds Sub Zero Ice Cream & Yogurt/Sub Zero Nitrogen Ice Cream/Sub — and where
Every dot is a financed Sub Zero Ice Cream & Yogurt/Sub Zero Nitrogen Ice Cream/Sub — 8 mapped.
Financed Sub Zero Ice Cream & Yogurt/Sub Zero Nitrogen Ice Cream/Sub locations — list all 8 as text
- Sub Zero Ice Cream — Simi Valley · $175K · FY2023 · Confectionery and Nut Retailers
- PAKA LLC — Fort Collins · $20K · FY2024 · Limited-Service Restaurants
- PAKA LLC — Fort Collins · $252K · FY2024 · Limited-Service Restaurants
- Lucky Trio 3 LLC — Athens · $185K · FY2020 · Snack and Nonalcoholic Beverage Bars
- LEGENDAIRY CREATIONS, LLC — Ashland · $275K · FY2023 · Ice Cream and Frozen Dessert Manufacturing
- Z2M2 ENTERPRISES LLC — Roswell · $180K · FY2023 · Limited-Service Restaurants
- SUB ZERO WASHINGTON, LLC — Federal Way · $20K · FY2020 · All Other Specialty Food Stores
- SUB ZERO ICE CREAM - CALIFORNIA LLC — Simi Valley · $701K · FY2021 · Confectionery and Nut Stores
Top lenders for this brand
Most active states
- 1.California (2 loans)
- 2.Colorado (2 loans)
- 3.Georgia (2 loans)
- 4.Massachusetts (1 loans)
- 5.Washington (1 loans)
Represent Sub Zero Ice Cream & Yogurt/Sub Zero Nitrogen Ice Cream/Sub ?
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 Sub Zero Ice Cream & Yogurt/Sub Zero Nitrogen Ice Cream/Sub cost to buy or open?
The typical deal for Sub Zero Ice Cream & Yogurt/Sub Zero Nitrogen Ice Cream/Sub is $185K across 8 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $20K of buyer cash on a typical deal.
How risky is Sub Zero Ice Cream & Yogurt/Sub Zero Nitrogen Ice Cream/Sub ?
Sub Zero Ice Cream & Yogurt/Sub Zero Nitrogen Ice Cream/Sub has 8 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 Sub Zero Ice Cream & Yogurt/Sub Zero Nitrogen Ice Cream/Sub with an SBA loan?
Yes — Sub Zero Ice Cream & Yogurt/Sub Zero Nitrogen Ice Cream/Sub 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 Sub Zero Ice Cream & Yogurt/Sub Zero Nitrogen Ice Cream/Sub franchise
Most Sub Zero Ice Cream & Yogurt/Sub Zero Nitrogen Ice Cream/Sub 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 Sub Zero Ice Cream & Yogurt/Sub Zero Nitrogen Ice Cream/Sub deal financed for $185K, which points to about $20K of buyer cash on a typical purchase. Confirm Sub Zero Ice Cream & Yogurt/Sub Zero Nitrogen Ice Cream/Sub 's current SBA Franchise Directory listing with your lender before the LOI. See the lenders that already fund Sub Zero Ice Cream & Yogurt/Sub Zero Nitrogen Ice Cream/Sub — 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 Sub Zero Ice Cream & Yogurt/Sub Zero Nitrogen Ice Cream/Sub — 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 Sub Zero Ice Cream & Yogurt/Sub Zero Nitrogen Ice Cream/Sub — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Sub Zero Ice Cream & Yogurt/Sub Zero Nitrogen Ice Cream/Sub is not currently confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 8 SBA 7(a) deals since 2020
- $185K typical deal
- 0 deals since FY2025
- Too few deals to score a reliable failure rate
- Top lenders: The Huntington National Bank, Harvest Small Business Finance, LLC, Needham Bank
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-19.
- Sources:
- Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
- Canonical:
- https://www.capbench.com/franchises/sub-zero-ice-cream-yogurt-sub-zero-nitrogen-ice-cream-sub
- 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 Sub Zero Ice Cream & Yogurt/Sub Zero Nitrogen Ice Cream/Sub ?
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 Sub Zero Ice Cream & Yogurt/Sub Zero Nitrogen Ice Cream/Sub .