Sno Biz
The total investment to open a Sno Biz franchise ranges from $21,400 to $71,000.
What is the Sno Biz franchise?
Sno Biz is a shaved ice business that sells shaved ice treats to customers. Its estimated total initial investment to open is $21,400 to $71,000. Founded in 2021, Sno Biz is headquartered in Springfield, Missouri. The business profile centers on its product, the cost to open, its founding year, and its headquarters.
Loan Activity Score
55/100
SBA Default Rate
0.0%
Active Lenders
6
According to its Franchise Disclosure Document or public business records, Sno Biz has 7 locations, all owned by franchisees. Public SBA loan records show 6 lenders made 9 loans to franchisees of Sno Biz. PeerSense calculates Sno Biz's score as 55 out of 100, using public SBA loan performance and recent lending activity.
Franchising since 2021 · 7 locations
$21,400 to $71,000
7
7 franchised
Proprietary PeerSense metric
ModerateDistinct lenders in public SBA records for Sno Biz
9
Total SBA loans
$44K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Sno Biz
Loan Activity Score Breakdown
Emerging (3 to 9 loans)
Are lenders increasingly or decreasingly funding this brand? Growing trends score highest.
Blended default rate (recent + all time) compared to NAICS sector peers.
Quality lenders actively backing this brand, with penalty for lender pullback.
FDD availability, Item 19 disclosure, and overall data completeness.
Geographic spread of SBA funded locations across states.
SBA Lending Performance
SBA Default Rate
0.0%
vs 13.7% peer avg
SBA Loans
9
Total Volume
$0.4M
Active Lenders
6
1 selective
States
5
vs. SBA Sector Average
SBA loan default rate vs. all franchises in the same NAICS sector, not limited to direct competitors
Key Highlights
Franchise Financing Resources
Data Insights
Key performance metrics for Sno Biz based on SBA lending data
SBA Default Rate
0.0%
13.7% below peer avg
SBA Loan Volume
9 loans
Across 6 lenders
Lender Diversity
6 lenders
Avg 1.5 loans per lender
Investment Tier
Low cost entry
$21,400 to $71,000 total
Sno Biz: Deep SBA Data
Brand specific metrics derived directly from SBA 7(a) approval records: peak lending year, leading state, average loan size, and lender concentration. PeerSense computes these per brand so capital advisors and prospective franchisees can benchmark this opportunity against the rest of the franchise universe.
Peak SBA Year
1994
3 approvals. The best year on record for Sno Biz.
Top SBA State
Missouri
4 SBA financed Sno Biz locations, the densest operator footprint.
Average Loan Size
$44K
Median $44K. Use as a sizing anchor when modeling your own Sno Biz unit.
Lender Concentration
66.7%
Concentrated
Share of Sno Biz approvals captured by the top 3 SBA lenders.
Sno Biz's SBA lending pipeline peaked in 1994 (3 approvals). Operator density is highest in Missouri with 4 SBA financed locations. Average funded ticket sits at $44K, with the median at $44K. Lender mix is concentrated: the top three SBA lenders account for 66.7% of approvals. Credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$222
Principal & Interest only
Indicative only, as of October 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense sources the file. The lender sets pricing. What these terms mean.
Locations
Sno Biz, unit breakdown
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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