Sub Zero Ice Cream
The total investment to open a Sub Zero Ice Cream franchise ranges from $57,750 to $302,800. The initial franchise fee is $35,000. Ongoing royalties are 6% plus a 2% advertising fee.
What is the Sub Zero Ice Cream franchise?
Sub Zero Ice Cream is an ice cream shop that sells customized frozen desserts to customers. The estimated total initial investment is $57,750 to $302,800. The initial franchise fee is $35,000.
The royalty is 6 percent of sales, and the advertising or brand fund fee is 2 percent. The franchise agreement term is 5 years. The company is headquartered in Beaumont, Texas, and was founded in 2004.
Loan Activity Score
23/100
SBA Default Rate
64.3%
Active Lenders
11
According to its Franchise Disclosure Document or public business records, Sub Zero Ice Cream has 5 locations, all owned by franchisees. Public SBA loan records show 11 lenders made 14 loans to franchisees of Sub Zero Ice Cream. PeerSense calculates Sub Zero Ice Cream's score as 23 out of 100, using public SBA loan performance and recent lending activity.
Franchising since 2004 · 5 locations
$57,750 to $302,800
$35,000
5
5 franchised
Proprietary PeerSense metric
LimitedDistinct lenders in public SBA records for Sub Zero Ice Cream
14
Total SBA loans
$191K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Sub Zero Ice Cream
Loan Activity Score Breakdown
Growing (10 to 24 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
64.3%
vs 10.3% peer avg
SBA Loans
14
Total Volume
$2.7M
Active Lenders
11
2 selective
States
8
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 Sub Zero Ice Cream based on SBA lending data
SBA Default Rate
64.3%
54.0% above peer avg
SBA Loan Volume
14 loans
Across 11 lenders
Lender Diversity
11 lenders
Avg 1.3 loans per lender
Investment Tier
Mid range investment
$57,750 to $302,800 total
Sub Zero Ice Cream: 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
2017
8 approvals. The best year on record for Sub Zero Ice Cream.
Top SBA State
Texas
6 SBA financed Sub Zero Ice Cream locations, the densest operator footprint.
Average Loan Size
$203K
Median $200K. Use as a sizing anchor when modeling your own Sub Zero Ice Cream unit.
Lender Concentration
37.5%
Moderately Spread
Share of Sub Zero Ice Cream approvals captured by the top 3 SBA lenders.
Sub Zero Ice Cream's SBA lending pipeline peaked in 2017 (8 approvals). The last five fiscal years account for 50% of cumulative volume ($2.1M approved). Operator density is highest in Texas with 6 SBA financed locations. Average funded ticket sits at $203K, with the median at $200K. Lender mix is moderately spread: the top three SBA lenders account for 37.5% of approvals. Meaningful choice exists, but specific lenders carry the brand.
Payment Estimator
Estimated Monthly Payment
$598
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
Sub Zero Ice Cream, unit breakdown
Explore Funding for Sub Zero Ice Cream
Our business financing consultants help connect you with the right lending partners. Referral fee paid at closing.
Or get an instant analysis
Scan Your Deal InstantlyPage 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; it does not lend, fund, or approve loans, and 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