ZPLUMBERZ, 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 S1985)
10 deals since 2020 · typical deal $242K
10
Deals since 2020
$242K
Typical deal
3
Deals since FY2025
—
Too few deals to score risk
What buyers pay for ZPLUMBERZ
Most ZPLUMBERZ deals financed between $150K and $315K. Above $315K, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $3,570
- 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
- Daoud Enterprises LLC in Fort Mill, SC — $450K (2025) · Citizens Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 122 months
- SBA guaranteed
- $338K (75%)
- Approval → funding
- 9 days
- Approved
- 9/2/2025
- First disbursed
- 9/11/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 2
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
Funded by Citizens Bank · Lender record →
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- Z Plumberz of The Treasure Valley in Fruitland, ID — $315K (2025) · First Bank of the Lake
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $236K (75%)
- Approval → funding
- 44 days
- Approved
- 3/25/2025
- First disbursed
- 5/8/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 5
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
Funded by First Bank of the Lake · Lender record →
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- MI Plumbing Company, LLC in Plymouth, MI — $242K (2025) · purchase · Citizens Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $181K (75%)
- Approval → funding
- 13 days
- Approved
- 11/5/2024
- First disbursed
- 11/18/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 3
- Business age
- Change of Ownership
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
If you were the buyer here
- Est. deal size
- $268K
- Est. down payment (10%)
- $27K
- Est. cash at closing
- $36K
- Monthly payment
- $3,293
- Annual debt service
- $40K
- Cash flow needed (1.25×)
- $49K
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 Citizens Bank · Lender record →
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- Gilbert J Robles, LLC dba GILBERT J ROBLES, LLC; dba Z PLUMBERZ OF RIVERSIDE in Riverside, CA — $150K (2024) · United Midwest Savings Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $128K (85%)
- Approval → funding
- 98 days
- Approved
- 5/13/2024
- First disbursed
- 8/19/2024
- Loan status
- Current
- 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
- Plumbing, Heating, and Air-Conditioning Contractors
Funded by United Midwest Savings Bank National Association · Lender record →
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- SOUTH FLORIDA PLUMBING SERVICE INC dba Z PLUMBERZ OF JUPITER in Jupiter, FL — $150K (2024) · United Midwest Savings Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $128K (85%)
- Approval → funding
- 129 days
- Approved
- 3/22/2024
- First disbursed
- 7/29/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 5
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
Funded by United Midwest Savings Bank National Association · Lender record →
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- VISTA PLUMBING & LEAK DETECTION LLC dba Z PLUMBERZ OF PALM BEACH in Boca Raton, FL — $150K (2024) · United Midwest Savings Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $128K (85%)
- Approval → funding
- 24 days
- Approved
- 9/3/2024
- First disbursed
- 9/27/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 5
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
- PRIME OFFER LLC in Byhalia, MS — $150K (2023) · United Midwest Savings Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 104 months
- SBA guaranteed
- $128K (85%)
- Approval → funding
- 13 days
- Approved
- 5/24/2023
- First disbursed
- 6/6/2023
- 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
- 3
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
Funded by United Midwest Savings Bank National Association · Lender record →
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Who funds ZPLUMBERZ — and where
Every dot is a financed ZPLUMBERZ — 7 mapped.
Financed ZPLUMBERZ locations — list all 7 as text
- Gilbert J Robles, LLC dba GILBERT J ROBLES, LLC; dba Z PLUMBERZ OF RIVERSIDE — Riverside · $150K · FY2024 · Plumbing, Heating, and Air-Conditioning Contractors
- Daoud Enterprises LLC — Fort Mill · $450K · FY2025 · Plumbing, Heating, and Air-Conditioning Contractors
- Z Plumberz of The Treasure Valley — Fruitland · $315K · FY2025 · Plumbing, Heating, and Air-Conditioning Contractors
- SOUTH FLORIDA PLUMBING SERVICE INC dba Z PLUMBERZ OF JUPITER — Jupiter · $150K · FY2024 · Plumbing, Heating, and Air-Conditioning Contractors
- VISTA PLUMBING & LEAK DETECTION LLC dba Z PLUMBERZ OF PALM BEACH — Boca Raton · $150K · FY2024 · Plumbing, Heating, and Air-Conditioning Contractors
- MI Plumbing Company, LLC — Plymouth · $242K · FY2025 · Plumbing, Heating, and Air-Conditioning Contractors
- PRIME OFFER LLC — Byhalia · $150K · FY2023 · Plumbing, Heating, and Air-Conditioning Contractors
Top lenders for this brand
Most active states
- 1.Florida (2 loans)
- 2.California (1 loans)
- 3.South Carolina (1 loans)
- 4.Idaho (1 loans)
- 5.Michigan (1 loans)
- 6.Mississippi (1 loans)
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Common questions
How much does a ZPLUMBERZ cost to buy or open?
The typical deal for ZPLUMBERZ is $242K across 10 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $27K of buyer cash on a typical deal.
How risky is ZPLUMBERZ?
ZPLUMBERZ has 10 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 ZPLUMBERZ with an SBA loan?
Yes — ZPLUMBERZ 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 ZPLUMBERZ franchise
Most ZPLUMBERZ 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 ZPLUMBERZ deal financed for $242K, which points to about $27K of buyer cash on a typical purchase. ZPLUMBERZ is listed in the SBA Franchise Directory (identifier S1985), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund ZPLUMBERZ — 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 ZPLUMBERZ — 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 ZPLUMBERZ — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. ZPLUMBERZ is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 10 SBA 7(a) deals since 2020
- $242K typical deal
- 3 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S1985)
- Top lenders: United Midwest Savings Bank National Association, Citizens Bank, First Bank of the Lake
- 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 ZPLUMBERZ.