FranchiseVerdict
Sub Zero Ice Cream logo
FV-04123SBA data onlyData Quality·SBA Only

Sub Zero Ice Cream

RestaurantWebsite
F85/100

SBA Loan Data Only

This franchise has SBA 7(a) lending history but no Franchise Disclosure Document (FDD) on file. Investment costs, revenue, fees, and contract terms are not available. The Verdict score is based solely on SBA loan performance data.

SBA loans
16
Loan volume
$2.9M
Default rate
56.3%
vs <3% typical
Avg loan
$181K
Lenders
13

Government records

SBA Loan Data

Aggregated from SBA 7(a) loan disclosures, public data unique to FranchiseVerdict.

Total loans
16
Loan volume
$2.9M
Median loan
$163K
50th percentile
Default rate
56.3%
vs <3% typical · system-wide
Repayment rate (PIF)
43.8%
5-yr default
Loans approved 2021+
Active lenders
13
Defaults
9

Explore lender portfolios on Bank Reports or regional data on State Reports.

Lending insight

A 56.3% default rate means roughly 1 in 2 franchisees failed to repay their SBA loan. Investigate what changed.

FranchiseVerdict rating · based on SBA data

Risk & Legal

85
Risk · 0-100
F19Risk score 85
Low confidence±14 pts
7199