{"ok":true,"canonical_url":"https://dealroom.so/franchises/challenge-island","api_url":"https://dealroom.so/api/public/franchises/challenge-island","data_freshness":{"sba_records_through":"2026-05-31","fdic_records_through":"2026-03-31","dealroom_last_updated":"2026-06-15","timezone":"America/Chicago"},"methodology":{"label":"Franchise financing & failure-rate methodology","url":"https://dealroom.so/methodology/franchise-risk"},"source_summary":["Public SBA 7(a) loan records","FDIC institution data","DealRoom lender and franchise enrichment"],"franchise":{"brand":"Challenge Island","slug":"challenge-island","url":"https://dealroom.so/franchises/challenge-island","sbaLoansSince2020":6,"businessPurchases":1,"typicalDeal":105000,"dealRange25th75th":[55000,128000],"avgRatePct":8.83,"failureRatePct":null,"failureRateNote":"too few loans to score","loansSinceFY2025":1,"topLenders":[{"name":"United Midwest Savings Bank National Association","count":4,"url":"https://dealroom.so/lenders/united-midwest-savings-bank-national-association"},{"name":"TD Bank, National Association","count":1,"url":"https://dealroom.so/lenders/td-bank-national-association"},{"name":"Zions Bank, A Division of","count":1,"url":"https://dealroom.so/lenders/zions-bank-a-division-of"}],"topStates":[{"count":1,"state":"NJ"},{"count":1,"state":"CA"},{"count":1,"state":"NV"},{"count":1,"state":"TX"},{"count":1,"state":"AZ"},{"count":1,"state":"MD"}],"recentDeals":[{"borrower":"DESERT BLOOM EDUCATION, LLC","city":"Sparks","state":"NV","amount":128000,"fiscalYear":2026,"businessPurchase":true,"lender":"Zions Bank, A Division of"},{"borrower":"ALTOR CONSULTING LLC dba CHALLENGE ISLAND","city":"Menifee","state":"CA","amount":100000,"fiscalYear":2024,"businessPurchase":false,"lender":"United Midwest Savings Bank National Association"},{"borrower":"Challenge Island of Ocean County LLC","city":"Waretown","state":"NJ","amount":25000,"fiscalYear":2023,"businessPurchase":false,"lender":"TD Bank, National Association"},{"borrower":"INNER GAUGE CONSULTING LLC","city":"Ellicott City","state":"MD","amount":55000,"fiscalYear":2021,"businessPurchase":false,"lender":"United Midwest Savings Bank National Association"},{"borrower":"ARETE ENRICHMENT SERVICES LLC","city":"Scottsdale","state":"AZ","amount":150000,"fiscalYear":2020,"businessPurchase":false,"lender":"United Midwest Savings Bank National Association"},{"borrower":"Boerne STEAM Creative, LLC","city":"Fair Oaks Ranch","state":"TX","amount":105000,"fiscalYear":2020,"businessPurchase":false,"lender":"United Midwest Savings Bank National Association"}]},"caveats":["DealRoom data is market intelligence, not a credit decision or SBA eligibility determination.","Final lender fit depends on SBA eligibility, borrower strength, collateral, cash flow, guarantors, and lender policy."],"citation":{"label":"DealRoom franchise financing record","url":"https://dealroom.so/franchises/challenge-island","source_type":"DealRoom Data"}}