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Zivel, by the numbers

Zivel appears in 11 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 S6753)

11 deals since 2020 · typical deal $240K

11

Deals since 2020

$240K

Typical deal

4

Deals since FY2025

—

Too few deals to score risk

Zivel 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 Zivel

Most Zivel deals financed between $30K and $331K. Above $331K, you're paying more than 75% of buyers did — make the seller earn it.

Monthly payment (10-yr)
$3,548
Down payment (10%)
$27K
Cash to close (all-in)
$36K

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 ~$36K)

Experience

Recent financings

  • NKL Ventures, LLC in Palm Coast, FL — $320K (2025) · The Huntington National Bank
  • DESTINY ALPHA HEALTH INC in Hollywood, FL — $240K (2025) · The Huntington National Bank
  • DESTINY ALPHA HEALTH INC in Hollywood, FL — $50K (2025) · The Huntington National Bank
  • NKL Ventures, LLC in Palm Coast, FL — $30K (2025) · The Huntington National Bank
  • PB&J Capital Investments, LLC in Metairie, LA — $352K (2024) · American Bank
  • ZIVEL - Franklin Cool Springs in Franklin, TN — $331K (2024) · Pinnacle Bank
  • Creekview Cryo & Wellnes, Co. in Brecksville, OH — $314K (2024) · The Huntington National Bank
  • Artic Apex, LLC in Arlington, TN — $163K (2024) · Decatur County Bank
  • Creekview Cryo & Wellnes, Co. in Brecksville, OH — $30K (2024) · The Huntington National Bank
  • Saeloun Nal, LLC in Riverton, UT — $350K (2023) · The Huntington National Bank

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

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Zivel brand mark

Who funds Zivel — and where

Every dot is a financed Zivel — 11 mapped.

Financed Zivel locations — list all 11 as text

Top lenders for this brand

  1. 1.The Huntington National Bank(8)
  2. 2.Decatur County Bank(1)
  3. 3.American Bank(1)
  4. 4.Pinnacle Bank(1)

Most active states

  1. 1.Florida (4 loans)Zivel lenders in Florida->
  2. 2.Tennessee (2 loans)Zivel lenders in Tennessee->
  3. 3.Ohio (2 loans)Zivel lenders in Ohio->
  4. 4.Utah (2 loans)Zivel lenders in Utah->
  5. 5.Louisiana (1 loans)Zivel lenders in Louisiana->

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Common questions

How much does a Zivel cost to buy or open?

The typical deal for Zivel is $240K across 11 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $26K of buyer cash on a typical deal.

How risky is Zivel?

Zivel 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 Zivel with an SBA loan?

Yes — Zivel has been SBA-financed 4 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

Buying a Zivel franchise

Most Zivel 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 Zivel deal financed for $240K, which points to about $26K of buyer cash on a typical purchase. Zivel is listed in the SBA Franchise Directory (identifier S6753), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Zivel — 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 Zivel — 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 Zivel — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Zivel 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
  • $240K typical deal
  • 4 deals since FY2025
  • Too few deals to score a reliable failure rate
  • SBA Franchise Directory: listed (identifier S6753)
  • Top lenders: The Huntington National Bank, Decatur County Bank, American Bank

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 2026-07-24.
Sources:
Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:
https://www.capbench.com/franchises/zivel
API:
https://www.capbench.com/api/public/franchises/zivel
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 Zivel.

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