Health & Medical · lender intelligence
How to finance a Zivel
The SBA 7(a) lenders funding the most Zivel deals, ranked from public loan records — typical Zivel loan about $240K. A bank that has funded the brand knows the model — faster approvals, better terms.
Deal economics— what it takes to buy & finance Zivel
$240K
Typical loan
range $30K–$331K
$267K
Est. purchase price
≈ loan ÷ 90%
$35,667
Cash to close
$26,667 down + fees
$3,513/mo
Typical payment
~12.5% · 10yr
$48,479/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
30 days
Typical time to fund
4
Lenders competing
more = leverage
10.52%
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 Zivel
Ranked by funded Zivel 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 loans · $0M · Decaturville, TNFull record →
- 3.24 loans · $41M · Covington, LAFull record →
- 4.1 loans · $1M · Lincoln, NEFull record →
11+ funded Zivel 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.
- NKL Ventures, LLC in Palm Coast, FL — $320K (2025) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $240K (75%)
- Approval → funding
- 13 days
- Approved
- 11/21/2024
- First disbursed
- 12/4/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 5
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Other Personal Care Services
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- DESTINY ALPHA HEALTH INC in Hollywood, FL — $240K (2025) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $180K (75%)
- Approval → funding
- 30 days
- Approved
- 4/30/2025
- First disbursed
- 5/30/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 5
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Other Personal Care Services
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- DESTINY ALPHA HEALTH INC in Hollywood, FL — $50K (2025) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $25K (50%)
- Approved
- 4/30/2025
- Loan status
- Committed
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 5
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Other Personal Care Services
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- NKL Ventures, LLC in Palm Coast, FL — $30K (2025) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 10.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $15K (50%)
- Approved
- 11/21/2024
- Loan status
- Committed
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 5
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Other Personal Care Services
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- PB&J Capital Investments, LLC in Metairie, LA — $352K (2024) · American Bank
- Program
- 7a General
- Rate at approval
- 11.5% variable
- Term
- 129 months
- SBA guaranteed
- $264K (75%)
- Approval → funding
- 158 days
- Approved
- 6/20/2024
- First disbursed
- 11/25/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 7
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Other Personal Care Services
Funded by American Bank · Lender record →
Your business? Claim this record · Request removal
- ZIVEL - Franklin Cool Springs in Franklin, TN — $331K (2024) · Pinnacle Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 126 months
- SBA guaranteed
- $248K (75%)
- Approval → funding
- 92 days
- Approved
- 3/21/2024
- First disbursed
- 6/21/2024
- 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
- Other Personal Care Services
Funded by Pinnacle Bank · Lender record →
Your business? Claim this record · Request removal
- Creekview Cryo & Wellnes, Co. in Brecksville, OH — $314K (2024) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $236K (75%)
- Approval → funding
- 38 days
- Approved
- 7/22/2024
- First disbursed
- 8/29/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 5
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Other Personal Care Services
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- Artic Apex, LLC in Arlington, TN — $163K (2024) · Decatur County Bank
- Program
- 7a General
- Rate at approval
- 8.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $122K (75%)
- Approval → funding
- 19 days
- Approved
- 5/23/2024
- First disbursed
- 6/11/2024
- 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
- Other Personal Care Services
Funded by Decatur County Bank · Lender record →
Your business? Claim this record · Request removal
- Creekview Cryo & Wellnes, Co. in Brecksville, OH — $30K (2024) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 10.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $15K (50%)
- Approval → funding
- 183 days
- Approved
- 7/22/2024
- First disbursed
- 1/21/2025
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 5
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Other Personal Care Services
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- Saeloun Nal, LLC in Riverton, UT — $350K (2023) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $263K (75%)
- Approval → funding
- 7 days
- Approved
- 4/13/2023
- First disbursed
- 4/20/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 8
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Other Personal Care Services
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- Saeloun Nal, LLC in Riverton, UT — $25K (2023) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 10.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $13K (50%)
- Approval → funding
- 22 days
- Approved
- 4/13/2023
- First disbursed
- 5/5/2023
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 8
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Other Personal Care Services
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Buying a Zivel? 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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CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to Zivel businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Zivel 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.
- $240K typical Zivel loan
- 4 lenders fund the brand
- 30 days typical to fund
Buyers researching a Zivel 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.