Zero Latency
11
SBA Loans
$5.9M
Total Financed
$539K
Avg Loan Size
—
YoY Loan Growth
How Zero Latency Compares
- Ranks #90 of 302 Fitness & Recreation brands by SBA loan count (#790 of 3,543 overall).
- Its average loan of $539K is 54% above the Fitness & Recreation median of $350K.
- With only 11 loans on record, its own charge-off rate isn't statistically meaningful -- for context, Fitness & Recreation brands overall see a 2.0% charge-off rate across 5,280 loans.
SBA Loan Activity by Fiscal Year
| Fiscal Year | Loans | Total Financed |
|---|---|---|
| FY2020 | 3 | $919K |
| FY2022 | 2 | $715K |
| FY2023 | 3 | $1.8M |
| FY2025 | 1 | $977K |
| FY2026 | 2 | $1.6M |
FY2026 may be a partial year -- the SBA dataset is refreshed quarterly and the most recent fiscal year is often incomplete.
Where Zero Latency Is Getting SBA-Financed
Recent SBA-Financed Zero Latency Locations
Borrower names and amounts as reported in the SBA's public 7(a) loan dataset.
Frequently Asked Questions
Is Zero Latency growing or shrinking?
Zero Latency doesn't have enough SBA loan activity in both FY2025 and FY2026 to calculate a reliable year-over-year trend. For context, it ranks #90 of 302 Fitness & Recreation brands by total SBA loan count since FY2020 -- a snapshot of scale, if not of trend.
How much does it cost to open a Zero Latency 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 $539K (54% above the typical Fitness & Recreation brand's $350K) is a rough proxy, but SBA loans often cover only part of total investment.
What's the SBA loan default rate for Zero Latency?
Zero Latency only has 11 SBA loans on record -- too few to calculate a meaningful charge-off rate on its own. For context, Fitness & Recreation brands overall see a 2.0% charge-off rate across 5,280 loans.
Top SBA Lenders
- The Huntington National Bank2
- CDC Small Business Finance Corp.1
- Pineland Bank1
- Republic Bank & Trust Company1
- Incommons Bank NA1
Get the Franchise SBA Financing Model -- an editable amortization, P&L, and breakeven calculator. $19.
Source: SBA 7(a) FOIA loan dataset. View dataset