Ice Cold Air
4
SBA Loans
$3.5M
Total Financed
$875K
Avg Loan Size
—
YoY Loan Growth
How Ice Cold Air Compares
- Ranks #64 of 125 Automotive Services brands by SBA loan count (#1,629 of 3,543 overall).
- Its average loan of $875K is 93% above the Automotive Services median of $453K.
- With only 4 loans on record, its own charge-off rate isn't statistically meaningful -- for context, Automotive Services brands overall see a 1.5% charge-off rate across 1,424 loans.
SBA Loan Activity by Fiscal Year
| Fiscal Year | Loans | Total Financed |
|---|---|---|
| FY2023 | 1 | $2.2M |
| FY2024 | 2 | $300K |
| FY2026 | 1 | $1.0M |
FY2026 may be a partial year -- the SBA dataset is refreshed quarterly and the most recent fiscal year is often incomplete.
Where Ice Cold Air Is Getting SBA-Financed
Recent SBA-Financed Ice Cold Air Locations
Borrower names and amounts as reported in the SBA's public 7(a) loan dataset.
Frequently Asked Questions
Is Ice Cold Air growing or shrinking?
Ice Cold Air doesn't have enough SBA loan activity in both FY2025 and FY2026 to calculate a reliable year-over-year trend. For context, it ranks #64 of 125 Automotive Services brands by total SBA loan count since FY2020 -- a snapshot of scale, if not of trend.
How much does it cost to open a Ice Cold Air franchise?
We don't have that figure -- investment ranges and fees come from a franchisor's Franchise Disclosure Document (FDD), which this site doesn't parse (see methodology). The average SBA loan size of $875K (93% above the typical Automotive Services brand's $453K) is a rough proxy, but SBA loans often cover only part of total investment.
What's the SBA loan default rate for Ice Cold Air?
Ice Cold Air only has 4 SBA loans on record -- too few to calculate a meaningful charge-off rate on its own. For context, Automotive Services brands overall see a 1.5% charge-off rate across 1,424 loans.
Top SBA Lenders
- BayFirst National Bank2
- The Bank of Tampa1
- Live Oak Banking Company1
Get the Franchise SBA Financing Model -- an editable amortization, P&L, and breakeven calculator. $19.
Source: SBA 7(a) FOIA loan dataset. View dataset