Zerorez, by the numbers
Zerorez appears in 4 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 S1988)
4 deals since 2020 · typical deal $420K
4
Deals since 2020
$420K
Typical deal
2
Deals since FY2025
—
Too few deals to score risk
What buyers pay for Zerorez
Most Zerorez deals financed between $185K and $3.50M. Above $3.50M, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $5,492
- Down payment (10%)
- $47K
- Cash to close (all-in)
- $62K
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 ~$62K)
Experience
Recent financings
- Lieber Holdings LLC in Naperville, IL — $185K (2025) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $138K (75%)
- Approval → funding
- 20 days
- Approved
- 10/2/2024
- First disbursed
- 10/22/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 2
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Carpet and Upholstery Cleaning Services
Funded by The Huntington National Bank · Lender record →
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- Lieber Holdings LLC in Naperville, IL — $25K (2025) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 10.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $13K (50%)
- Approved
- 10/2/2024
- Loan status
- Committed
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 2
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Carpet and Upholstery Cleaning Services
Funded by The Huntington National Bank · Lender record →
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- Zerorez of Nashville in Alpharetta, GA — $3.5M (2022) · Newtek Small Business Finance, Inc.
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 108 mo (9 yrs)
- SBA guaranteed
- $2.6M (75%)
- Approval → funding
- 20 days
- Approved
- 2/15/2022
- First disbursed
- 3/7/2022
- Loan status
- In workout — SBA bought the guarantee
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 27
- Business age
- Existing or more than 2 years old
- Industry
- Carpet and Upholstery Cleaning Services
Funded by Newtek Small Business Finance, Inc.
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- Zerorez of Portland, Inc. in Portland, OR — $420K (2021) · KeyBank National Association
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 5.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $210K (50%)
- Approval → funding
- 3 days
- Approved
- 7/28/2021
- First disbursed
- 7/31/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 2
- Business age
- Existing or more than 2 years old
- Industry
- Carpet and Upholstery Cleaning Services
Funded by KeyBank National Association · Lender record →
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Who funds Zerorez — and where
Every dot is a financed Zerorez — 4 mapped.
Financed Zerorez locations — list all 4 as text
- Lieber Holdings LLC — Naperville · $25K · FY2025 · Carpet and Upholstery Cleaning Services
- Lieber Holdings LLC — Naperville · $185K · FY2025 · Carpet and Upholstery Cleaning Services
- Zerorez of Nashville — Alpharetta · $3.5M · FY2022 · Carpet and Upholstery Cleaning Services
- Zerorez of Portland, Inc. — Portland · $420K · FY2021 · Carpet and Upholstery Cleaning Services
Top lenders for this brand
1.The Huntington National Bank(2)
- 2.Newtek Small Business Finance, Inc. (1)
3.KeyBank National Association(1)
Most active states
- 1.Illinois (2 loans)Zerorez lenders in Illinois->
- 2.Georgia (1 loans)Zerorez lenders in Georgia->
- 3.Oregon (1 loans)Zerorez lenders in Oregon->
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Common questions
How much does a Zerorez cost to buy or open?
The typical deal for Zerorez is $420K across 4 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $46K of buyer cash on a typical deal.
How risky is Zerorez?
Zerorez 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 Zerorez with an SBA loan?
Yes — Zerorez 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 Zerorez franchise
Most Zerorez 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 Zerorez deal financed for $420K, which points to about $46K of buyer cash on a typical purchase. Zerorez is listed in the SBA Franchise Directory (identifier S1988), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Zerorez — 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 Zerorez — 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 Zerorez — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Zerorez 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
- $420K typical deal
- 2 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S1988)
- Top lenders: The Huntington National Bank, Newtek Small Business Finance, Inc., KeyBank 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.
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CapBench analysis of public lending records, FY2020–present. Charge-off rate measured on the FY2020–23 cohort. Not affiliated with Zerorez.