Sub Zero Ice Cream & Yogurt/Su
The total investment to open a Sub Zero Ice Cream & Yogurt/Su franchise ranges from $20,000 to $409,500.
What is the Sub Zero Ice Cream & Yogurt/Su franchise?
Sub Zero Ice Cream & Yogurt/Su is a frozen dessert business where customers can choose flavors and mix ins. Its estimated total initial investment is $20,000 to $409,500.
The business is in the sweets and treats category. Its headquarters are in Simi Valley, California.
Loan Activity Score
47/100
SBA Default Rate
12.5%
Active Lenders
13
According to its Franchise Disclosure Document or public business records, Sub Zero Ice Cream & Yogurt/Su has 11 locations, all owned by franchisees. Public SBA loan records show 13 lenders made 16 loans to franchisees of Sub Zero Ice Cream & Yogurt/Su. PeerSense calculates Sub Zero Ice Cream & Yogurt/Su's score as 47 out of 100, using public SBA loan performance and recent lending activity.
11 locations
$20,000 to $409,500
11
11 franchised
Proprietary PeerSense metric
FairDistinct lenders in public SBA records for Sub Zero Ice Cream & Yogurt/Su
16
Total SBA loans
$225K
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 & Yogurt/Su
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
12.5%
vs 10.3% peer avg
SBA Loans
16
Total Volume
$3.6M
Active Lenders
13
1 selective
States
10
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 & Yogurt/Su based on SBA lending data
SBA Default Rate
12.5%
2.2% above peer avg
SBA Loan Volume
16 loans
Across 13 lenders
Lender Diversity
13 lenders
Avg 1.2 loans per lender
Investment Tier
Mid range investment
$20,000 to $409,500 total
Sub Zero Ice Cream & Yogurt/Su: 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
2018
4 approvals. The best year on record for Sub Zero Ice Cream & Yogurt/Su.
Top SBA State
California
3 SBA financed Sub Zero Ice Cream & Yogurt/Su locations, the densest operator footprint.
Average Loan Size
$225K
Median $200K. Use as a sizing anchor when modeling your own Sub Zero Ice Cream & Yogurt/Su unit.
Lender Concentration
37.5%
Moderately Spread
Share of Sub Zero Ice Cream & Yogurt/Su approvals captured by the top 3 SBA lenders.
Sub Zero Ice Cream & Yogurt/Su's SBA lending pipeline peaked in 2018 (4 approvals). The last five fiscal years account for 44% of cumulative volume ($2.1M approved). Operator density is highest in California with 3 SBA financed locations. Average funded ticket sits at $225K, 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
$207
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 & Yogurt/Su, 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