How much does a OneZO cost to buy or open?

The typical deal for OneZO is $396K across 2 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $44K of buyer cash on a typical deal.

OneZO has 2 SBA loans on record since 2020 — too few to score a reliable failure rate. Judge the unit economics and the franchisor's disclosure document, not a small sample.

Can I finance a OneZO with an SBA loan?

Yes — OneZO has been SBA-financed 0 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

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OneZO, by the numbers

Every figure below comes from real financed deals — what buyers paid, where, and how the loans performed.

SBA Franchise Directory: listed ✓ (identifier S7616)

2 deals since 2020 · typical deal $396K

Deals since 2020

$396K

Typical deal

Deals since FY2025

—

Too few deals to score risk

OneZO has 2 SBA deals on record — real financing history, but too few to score a failure rate you should trust. Underwrite the location and the FDD.

What buyers pay for OneZO

Most OneZO deals financed between $272K and $396K. Above $396K, you're paying more than 75% of buyers did — make the seller earn it.

Your deal size$396K

Monthly payment (10-yr): $5,179
Down payment (10%): $44K
Cash to close (all-in): $59K

Estimates at today's rates and standard 7(a) terms. Not a loan offer.

Could you get the loan?

Three answers. No documents, no credit pull.

Credit score

Available cash (you'll need ~$59K)

Experience

Recent financings

Ponda Enterprises LLC in Iselin, NJ — $396K (2024) · Columbia Bank
Program
Preferred Lenders Program
Rate at approval
11.25% variable
Term

OneZO, by the numbers

Recent financings

Who funds OneZO — and where

Common questions

How much does a OneZO cost to buy or open?

How risky is OneZO?

Can I finance a OneZO with an SBA loan?

AI summary