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Zero Latency, 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 S4554)

11 deals since 2020 · typical deal $400K

11

Deals since 2020

$400K

Typical deal

3

Deals since FY2025

—

Too few deals to score risk

Zero Latency has 11 SBA deals on record — real financing history, but too few to score a failure rate you should trust. Underwrite the location and the FDD.

What buyers pay for Zero Latency

Most Zero Latency deals financed between $250K and $977K. Above $977K, you're paying more than 75% of buyers did — make the seller earn it.

Monthly payment (10-yr)
$5,231
Down payment (10%)
$44K
Cash to close (all-in)
$59K

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 ~$59K)

Experience

Recent financings

  • Grid City VR in Westminster, CO — $1.3M (2026) · The Bancorp Bank National Association
  • Revive Project 1 LLC in Ithaca, NY — $250K (2026) · Manufacturers and Traders Trust Company
  • VR504 LLC in New Orleans, LA — $977K (2025) · Celtic Bank Corporation
  • Youngs Restaurant Group LLC in Charleston, WV — $1.2M (2023) · Incommons Bank NA
  • Super Shop, LLC. in Austin, TX — $483K (2023) · Gulf Coast Bank and Trust Company
  • Zero Latency New York Inc. in Watertown, NY — $35K (2023) · KeyBank National Association
  • Limitless VR, LLC in Jacksonville, FL — $400K (2022) · Pineland Bank
  • E:Lucid LLC in West Chester, OH — $315K (2022) · Republic Bank & Trust Company
  • The Waypoint Vrcade LLC in Mishawaka, IN — $619K (2020) · The Huntington National Bank
  • New Realm VR LLC in Rancho Cucamonga, CA — $250K (2020) · CDC Small Business Finance Corp.

Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.

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Zero Latency brand mark

Who funds Zero Latency — and where

Every dot is a financed Zero Latency — 11 mapped.

Financed Zero Latency locations — list all 11 as text

Top lenders for this brand

  1. 1.The Huntington National Bank(2)
  2. 2.Incommons Bank NA (1)
  3. 3.Manufacturers and Traders Trust Company(1)
  4. 4.The Bancorp Bank National Association(1)
  5. 5.Celtic Bank Corporation(1)

Most active states

  1. 1.New York (2 loans)
  2. 2.Indiana (2 loans)
  3. 3.West Virginia (1 loans)
  4. 4.Colorado (1 loans)
  5. 5.Louisiana (1 loans)
  6. 6.Texas (1 loans)
  7. 7.California (1 loans)
  8. 8.Florida (1 loans)

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Common questions

How much does a Zero Latency cost to buy or open?

The typical deal for Zero Latency is $400K across 11 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $44K of buyer cash on a typical deal.

How risky is Zero Latency?

Zero Latency has 11 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 Zero Latency with an SBA loan?

Yes — Zero Latency has been SBA-financed 3 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

Buying a Zero Latency franchise

Most Zero Latency 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 Zero Latency deal financed for $400K, which points to about $44K of buyer cash on a typical purchase. Zero Latency is listed in the SBA Franchise Directory (identifier S4554), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Zero Latency — 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 Zero Latency — 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 Zero Latency — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Zero Latency is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

  • 11 SBA 7(a) deals since 2020
  • $400K typical deal
  • 3 deals since FY2025
  • Too few deals to score a reliable failure rate
  • SBA Franchise Directory: listed (identifier S4554)
  • Top lenders: The Huntington National Bank, Incommons Bank NA, Manufacturers and Traders Trust Company

Next steps

Check SBA fitFind SBA lenders$9 lender report
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.
Canonical:
https://www.capbench.com/franchises/zero-latency
API:
https://www.capbench.com/api/public/franchises/zero-latency
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 Zero Latency.

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