Schakolad Chocolate Factory vs Sub Zero Ice Cream Yogurtsu
Schakolad Chocolate Factory vs Sub Zero Ice Cream Yogurtsu: Schakolad Chocolate Factory costs $37K to $266K to open; Sub Zero Ice Cream Yogurtsu costs $20K to $410K. Schakolad Chocolate Factory has 11 units, Sub Zero Ice Cream Yogurtsu has 11. SBA loan history: Schakolad Chocolate Factory = 8 loans (0.0% default); Sub Zero Ice Cream Yogurtsu = 16 loans (12.5% default). The franchise with more SBA funded units, a lower SBA default rate, and a lower royalty load is the safer financing bet; see the comparison below.
Schakolad Chocolate Factory vs Sub Zero Ice Cream Yogurtsu: Capital, Scale & Lending Analysis
Analysis based on FDD filings and SBA 7(a) loan level data. Each pairing reflects a unique combination of capital intensity, system scale, and financing path.
Capital Intensity
Sub Zero Ice Cream Yogurtsu requires the lower minimum capital commitment ($20K vs $37K for Schakolad Chocolate Factory), a 85% spread.
System Scale & Tenure
On scale, Sub Zero Ice Cream Yogurtsu operates 11 units to Schakolad Chocolate Factory's 11.
SBA Lending Profile
Sub Zero Ice Cream Yogurtsu has the deeper SBA lending track record, with 16 7(a) approvals compared with 8 for Schakolad Chocolate Factory. Schakolad Chocolate Factory's peak SBA year was 2004 (3 loans); Sub Zero Ice Cream Yogurtsu's peak was 2018 (4 loans). Sub Zero Ice Cream Yogurtsu's more recent peak generally indicates fresher lender appetite. Schakolad Chocolate Factory has the most SBA funded units in FL, with 5. Sub Zero Ice Cream Yogurtsu leads in CA, with 3. Borrowers should pick the brand whose strongest SBA state matches their own state for warmer lender introductions. Average SBA loan size on funded Schakolad Chocolate Factory deals is $332K vs $225K for Sub Zero Ice Cream Yogurtsu, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 0.0% for Schakolad Chocolate Factory and 12.5% for Sub Zero Ice Cream Yogurtsu, Schakolad Chocolate Factory has the cleaner SBA loss record by 12.5 points. PeerSense FPI scores come in at 45 (Fair) for Schakolad Chocolate Factory and 47 (Fair) for Sub Zero Ice Cream Yogurtsu, giving Sub Zero Ice Cream Yogurtsu the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 45/100 | 47/100 |
Health Tier | Fair | Fair |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 8 | 16 |
SBA Volume | – | – |
Default Rate | 0.0% | 12.5% |
Peer Tier | emerging | growing |
Investment & Costs
Total Investment | $37K to $266K | $20K to $410K |
Franchise Fee | $40K | N/A |
Royalty Rate | N/A | N/A |
Ad Fund | N/A | N/A |
Liquid Capital | N/A | N/A |
Net Worth Required | N/A | N/A |
Financial Performance (Item 19)
Item 19 Status | Not Disclosed | Not Disclosed |
System Size & Operations
Total Units | 11 | 11 |
Franchised Units | 11 | 11 |
Company Owned | – | – |
Term Length | 10 yrs | N/A |
Brand Information
Year Founded | 1995 | N/A |
Franchising Since | N/A | N/A |
Years Franchising | N/A | N/A |
Headquarters | ORLANDO, FL | SIMI VALLEY, CA |
Category | Confectionery | Confectionery |
Website | ||
FDD Year | N/A | N/A |
Which Is Better, Schakolad Chocolate Factory or Sub Zero Ice Cream Yogurtsu?
Lower upfront capital required
Tie
Schakolad Chocolate Factory: $37K starting · Sub Zero Ice Cream Yogurtsu: $20K starting
More SBA lender confidence
Sub Zero Ice Cream Yogurtsu
Schakolad Chocolate Factory: 8 SBA loans · Sub Zero Ice Cream Yogurtsu: 16 SBA loans
Lower SBA default rate
Schakolad Chocolate Factory
Schakolad Chocolate Factory: 0.0% · Sub Zero Ice Cream Yogurtsu: 12.5%
Larger system & brand presence
Tie
Schakolad Chocolate Factory: 11 units · Sub Zero Ice Cream Yogurtsu: 11 units
More lender financing options
Sub Zero Ice Cream Yogurtsu
Schakolad Chocolate Factory: 6 unique lenders · Sub Zero Ice Cream Yogurtsu: 13 unique lenders
Decision matrix uses publicly disclosed FDD and SBA loan data. Not a recommendation. Your best franchise depends on capital, market, operating capacity, and risk tolerance.
Need Funding for Schakolad Chocolate Factory or Sub Zero Ice Cream Yogurtsu?
PeerSense connects you with 500+ SBA lenders and capital sources. Our referral fee is established upfront and paid at closing.
SBA Lenders & Capital Sources
Retainers or Consulting Fees
10% Down Franchise Loans
About These Franchises
Schakolad Chocolate Factory vs Sub Zero Ice Cream Yogurtsu: Franchise Funding Comparison
Comparing Schakolad Chocolate Factory and Sub Zero Ice Cream Yogurtsu is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $20K to $410K.
Schakolad Chocolate Factory has 8 SBA loans on record and Sub Zero Ice Cream Yogurtsu has 16. Those totals are cumulative history rather than a measure of current appetite. Recent lending activity is trending down for at least one of these brands, so current lender appetite has to be checked deal by deal rather than assumed from the totals.
SBA 7(a) loans are the most common franchise funding vehicle, offering up to $5M with as little as 10% down. PeerSense connects franchise buyers with the specific lenders who have approved loans for these brands, not generic referrals, but lenders with actual franchise lending track records.
Data sourced from SBA loan records, Franchise Disclosure Documents, and public filings. Updated regularly. Not financial advice, consult with a lending professional before making investment decisions.
Schakolad Chocolate Factory vs Sub Zero Ice Cream Yogurtsu, Frequently Asked Questions
Which is a better franchise investment, Schakolad Chocolate Factory or Sub Zero Ice Cream Yogurtsu?
How much does a Schakolad Chocolate Factory franchise cost compared to Sub Zero Ice Cream Yogurtsu?
Can I finance Schakolad Chocolate Factory or Sub Zero Ice Cream Yogurtsu with an SBA loan?
Which has a lower SBA default rate, Schakolad Chocolate Factory or Sub Zero Ice Cream Yogurtsu?
Talk to PeerSense
Tell us which brand and your budget. We source capital from lenders who have already funded deals in these systems.
Franchise / SBA 7(a): The desk will reach out. No obligation.
Page Review
Reviewed by Edward L. Freeman, Founder and Managing Director, PeerSense
- PeerSense is a capital advisory firm that places commercial financing with direct capital sources; the capital source sets final terms.
- Edward L. Freeman founded PeerSense in January 2020.
- He is a Registered Franchise Consultant with Business Alliance, Inc., a credential issued in March 2022, and worked as a franchise consultant there from March 2022 to May 2023.
- His recorded experience includes a $22 million SBA construction loan, with about $16 million funded on the deal.
- In the 12 months through September 30, 2026, PeerSense tracked 912 publicly announced financings with a disclosed size of $361.32 billion. PeerSense Capital Data Report · Methodology page
Last reviewed LinkedIn profileAbout Edward Freeman