Zivel
11
SBA Loans
$2.2M
Total Financed
$200K
Avg Loan Size
-20%
YoY Loan Growth
How Zivel Compares
- Ranks #55 of 156 Personal Care & Beauty brands by SBA loan count (#841 of 3,543 overall).
- Its average loan of $200K is 45% below the Personal Care & Beauty median of $366K.
- With only 11 loans on record, its own charge-off rate isn't statistically meaningful -- for context, Personal Care & Beauty brands overall see a 1.5% charge-off rate across 2,290 loans.
SBA Loan Activity by Fiscal Year
| Fiscal Year | Loans | Total Financed |
|---|---|---|
| FY2023 | 2 | $375K |
| FY2024 | 5 | $1.2M |
| FY2025 | 4 | $640K |
FY2025 may be a partial year -- the SBA dataset is refreshed quarterly and the most recent fiscal year is often incomplete.
Where Zivel Is Getting SBA-Financed
Recent SBA-Financed Zivel Locations
Borrower names and amounts as reported in the SBA's public 7(a) loan dataset.
Frequently Asked Questions
Is Zivel growing or shrinking?
Zivel's SBA loan count fell 20% year-over-year. A decline in SBA financing doesn't necessarily mean the brand is shrinking -- franchisees may be using other financing, or SBA lending patterns may have shifted broadly.
How much does it cost to open a Zivel 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 $200K (45% below the typical Personal Care & Beauty brand's $366K) is a rough proxy, but SBA loans often cover only part of total investment.
What's the SBA loan default rate for Zivel?
Zivel only has 11 SBA loans on record -- too few to calculate a meaningful charge-off rate on its own. For context, Personal Care & Beauty brands overall see a 1.5% charge-off rate across 2,290 loans.
Top SBA Lenders
- The Huntington National Bank8
- Pinnacle Bank1
- Decatur County Bank1
- American Bank1
Get the Franchise SBA Financing Model -- an editable amortization, P&L, and breakeven calculator. $19.
Source: SBA 7(a) FOIA loan dataset. View dataset