Fitness & Recreation · lender intelligence
How to finance a Zero Latency
The SBA 7(a) lenders funding the most Zero Latency deals, ranked from public loan records — typical Zero Latency loan about $400K. A bank that has funded the brand knows the model — faster approvals, better terms.
Deal economics— what it takes to buy & finance Zero Latency
$400K
Typical loan
range $250K–$977K
$444K
Est. purchase price
≈ loan ÷ 90%
$59,444
Cash to close
$44,444 down + fees
$5,176/mo
Typical payment
~9.5% · 10yr
$71,429/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
28 days
Typical time to fund
10
Lenders competing
more = leverage
8.85%
Avg rate on record
cap ~9.75%
Estimates for planning, not an offer — derived from the typical funded loan at today's Prime over 10yr. Not a credit decision.
Most active with Zero Latency
Ranked by funded Zero Latency loans. Tap a lender to open its full record, or hit Get in touch for an introduction.
- 1.2,539 loans · $965M · Columbus, OHFull record →
- 2.1,927 loans · $207M · Buffalo, NYFull record →
- 3.75 loans · $98M · Sioux Falls, SDFull record →
- 4.868 loans · $362M · Salt Lake City, UTFull record →
- 5.328 loans · $134M · Cleveland, OHFull record →
- 6.78 loans · $79M · New Orleans, LAFull record →
- 7.154 loans · $26M · San Diego, CAFull record →
- 8.1 loans · $1M · Alma, GAFull record →
- 9.42 loans · $19M · Louisville, KYFull record →
11+ funded Zero Latency deals
Real SBA 7(a) acquisitions from public records — see who got funded, for how much, and by which lender. Tap any deal for the full record.
- Grid City VR in Westminster, CO — $1.3M (2026) · The Bancorp Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 8% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $986K (75%)
- Approval → funding
- 21 days
- Approved
- 1/9/2026
- First disbursed
- 1/30/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 12
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Amusement Arcades
Funded by The Bancorp Bank National Association · Lender record →
Your business? Claim this record · Request removal
- Revive Project 1 LLC in Ithaca, NY — $250K (2026) · Manufacturers and Traders Trust Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9.75% variable
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $125K (50%)
- Approval → funding
- 28 days
- Approved
- 1/7/2026
- First disbursed
- 2/4/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- New Business or 2 years or less
- Industry
- Amusement Arcades
Funded by Manufacturers and Traders Trust Company · Lender record →
Your business? Claim this record · Request removal
- VR504 LLC in New Orleans, LA — $977K (2025) · Celtic Bank Corporation
- Program
- Preferred Lenders Program
- Rate at approval
- 10% variable
- Term
- 126 months
- SBA guaranteed
- $733K (75%)
- Approved
- 3/27/2025
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 7
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Amusement Arcades
Funded by Celtic Bank Corporation · Lender record →
Your business? Claim this record · Request removal
- Youngs Restaurant Group LLC in Charleston, WV — $1.2M (2023) · Incommons Bank NA
- Program
- 7a General
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $930K (75%)
- Approval → funding
- 66 days
- Approved
- 2/13/2023
- First disbursed
- 4/20/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 75
- Business age
- New Business or 2 years or less
- Industry
- Full-Service Restaurants
Funded by Incommons Bank NA
Your business? Claim this record · Request removal
- Super Shop, LLC. in Austin, TX — $483K (2023) · Gulf Coast Bank and Trust Company
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 126 months
- SBA guaranteed
- $362K (75%)
- Approval → funding
- 24 days
- Approved
- 8/12/2023
- First disbursed
- 9/5/2023
- 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
- Amusement Arcades
Funded by Gulf Coast Bank and Trust Company · Lender record →
Your business? Claim this record · Request removal
- Zero Latency New York Inc. in Watertown, NY — $35K (2023) · KeyBank National Association
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 12.3% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $18K (50%)
- Approval → funding
- 37 days
- Approved
- 5/1/2023
- First disbursed
- 6/7/2023
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 15
- Business age
- Existing or more than 2 years old
- Industry
- Amusement Arcades
Funded by KeyBank National Association · Lender record →
Your business? Claim this record · Request removal
- Limitless VR, LLC in Jacksonville, FL — $400K (2022) · Pineland Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $300K (75%)
- Approval → funding
- 8 days
- Approved
- 1/26/2022
- First disbursed
- 2/3/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 7
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Amusement Arcades
Funded by Pineland Bank · Lender record →
Your business? Claim this record · Request removal
- E:Lucid LLC in West Chester, OH — $315K (2022) · Republic Bank & Trust Company
- Program
- Preferred Lenders Program
- Rate at approval
- 5.5% fixed
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $236K (75%)
- Approval → funding
- 9 days
- Approved
- 3/2/2022
- First disbursed
- 3/11/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 16
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Other Spectator Sports
Funded by Republic Bank & Trust Company · Lender record →
Your business? Claim this record · Request removal
- The Waypoint Vrcade LLC in Mishawaka, IN — $619K (2020) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 7.5% variable
- Term
- 87 months
- SBA guaranteed
- $464K (75%)
- Approval → funding
- 21 days
- Approved
- 10/10/2019
- First disbursed
- 10/31/2019
- 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
- 12
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Amusement Arcades
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- New Realm VR LLC in Rancho Cucamonga, CA — $250K (2020) · CDC Small Business Finance Corp.
- Program
- Community Advantage Initiative
- Subprogram
- Community Advantage Initiative
- Rate at approval
- 9.25% variable
- Term
- 72 mo (6 yrs)
- SBA guaranteed
- $188K (75%)
- Approval → funding
- 87 days
- Approved
- 11/5/2019
- First disbursed
- 1/31/2020
- 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
- Amusement Arcades
Funded by CDC Small Business Finance Corp. · Lender record →
Your business? Claim this record · Request removal
- The Waypoint Vrcade LLC in Mishawaka, IN — $50K (2020) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 7.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $25K (50%)
- Approval → funding
- 113 days
- Approved
- 10/10/2019
- First disbursed
- 1/31/2020
- Loan status
- In liquidation
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 12
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Amusement Arcades
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Buying a Zero Latency? Start with a lender that has funded the brand
We'll point you to the SBA lenders already financing this brand — and help you make them compete on rate and speed.
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Backed by data on 1,000+ SBA lenders and 300,000+ funded deals. Your details go only to lending partners you ask to be matched with — never sold to advertisers.
CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to Zero Latency businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Zero Latency purchase with an SBA 7(a) loan: the lenders that fund the brand most (from public records), the typical loan size, and what it takes to qualify. The Huntington National Bank funds the most. CapBench is not a lender.
- $400K typical Zero Latency loan
- 10 lenders fund the brand
- 28 days typical to fund
Buyers researching a Zero Latency typically pre-qualify for SBA 7(a) financing next, then ask CapBench to introduce a lender that already funds the brand — free for buyers; agents can submit a consented lead via the CapBench MCP.
- 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.