How much does a ZIPS Cleaners (formally ZIPS Dry Cleaners) cost to buy or open?

The typical deal for ZIPS Cleaners (formally ZIPS Dry Cleaners) is $264K across 9 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $29K of buyer cash on a typical deal.

How risky is ZIPS Cleaners (formally ZIPS Dry Cleaners)?

ZIPS Cleaners (formally ZIPS Dry Cleaners) has 9 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 ZIPS Cleaners (formally ZIPS Dry Cleaners) with an SBA loan?

Yes — ZIPS Cleaners (formally ZIPS Dry Cleaners) has been SBA-financed 5 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

ZIPS Cleaners (formally ZIPS Dry Cleaners) SBA Intelligence: Real Cost, Rates & Failure Rate

Recent financings

Fresh Spin LLC in Laurel, MD — $1.5M (2026) · First Bank of the Lake

Program: Preferred Lenders Program
Rate at approval: 8.75% variable
Term: 120 mo (10 yrs)
SBA guaranteed: $1.1M (75%)
Approval → funding: 15 days
Approved: 12/8/2025
First disbursed: 12/23/2025
Loan status: Current
Loan type: Term loan
Collateral: Required
Business type: Corporation
Secondary market: Loan sold to investors
Jobs supported: 13
Business age: Startup, Loan Funds will Open Business
Industry: Drycleaning and Laundry Services (except Coin-Operated)

Funded by First Bank of the Lake · Lender record →

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CYJ Drycleaners LLC in Alexandria, VA — $565K (2026) · Manufacturers and Traders Trust Company

Program: Preferred Lenders Program
Rate at approval: 7.75% variable
Term: 120 mo (10 yrs)
SBA guaranteed: $424K (75%)
Approval → funding: 43 days
Approved: 12/29/2025
First disbursed: 2/10/2026
Loan status: Current
Loan type: Term loan
Collateral: Required
Business type: Corporation
Jobs supported

ZIPS Dry Cleaners in Warminster, PA — $134K (2025) · BayFirst National Bank

Program: Preferred Lenders Program
Rate at approval: 12.25% variable
Term: 120 mo (10 yrs)
SBA guaranteed: $114K (85%)
Approval → funding: 1 days
Approved: 1/29/2025
First disbursed: 1/30/2025
Loan status: Current
Loan type: Term loan
Collateral: Not required
Business type: Corporation
Secondary market

CYJ Drycleaners LLC in Alexandria, VA — $100K (2025) · Manufacturers and Traders Trust Company

Program: SBA Express Program
Subprogram: FA$TRK (Small Loan Express)
Rate at approval: 9.75% variable
Term: 120 mo (10 yrs)
SBA guaranteed: $50K (50%)
Approval → funding: 124 days
Approved: 8/29/2025
First disbursed: 12/31/2025
Loan status: Current
Loan type: Revolving line
Collateral: Required
Business type

CYJ Drycleaners LLC in Alexandria, VA — $44K (2025) · Manufacturers and Traders Trust Company

Program: SBA Express Program
Subprogram: FA$TRK (Small Loan Express)
Rate at approval: 9.5% variable
Term: 84 mo (7 yrs)
SBA guaranteed: $22K (50%)
Approval → funding: 19 days
Approved: 8/29/2025
First disbursed: 9/17/2025
Loan status: Current
Loan type: Term loan
Collateral: Required
Business type

The Button Men, LLC in Warminster, PA — $150K (2024) · BayFirst National Bank

Program: Preferred Lenders Program
Rate at approval: 13.25% variable
Term: 120 mo (10 yrs)
SBA guaranteed: $128K (85%)
Approval → funding: 7 days
Approved: 12/21/2023
First disbursed: 12/28/2023
Loan status: Current
Loan type: Term loan
Collateral: Required
Business type: Corporation
Secondary market

Zips Cleaners in Charlotte, NC — $5.0M (2023) · First Bank

Program: Preferred Lenders Program
Rate at approval: 11.25% variable
Term: 272 months
SBA guaranteed: $3.8M (75%)
Approval → funding: 10 days
Approved: 9/22/2023
First disbursed: 10/2/2023
Loan status: Current
Loan type: Term loan
Collateral: Required
Business type: Corporation
Jobs supported: 15

The Button Men, LLC in Warminster, PA — $264K (2023) · Penn Community Bank

Program: 7a General
Rate at approval: 10.25% fixed
Term: 120 mo (10 yrs)
SBA guaranteed: $198K (75%)
Approval → funding: 37 days
Approved: 3/6/2023
First disbursed: 4/12/2023
Loan status: Current
Loan type: Term loan
Collateral: Required
Business type: Corporation
Jobs supported: 22

3A2 Dry Cleaning, LLC in Perry Hall, MD — $872K (2020) · Manufacturers and Traders Trust Company

Program: Preferred Lenders Program
Rate at approval: 4.75% variable
Term: 126 months
SBA guaranteed: $654K (75%)
Approval → funding: 245 days
Approved: 4/17/2020
First disbursed: 12/18/2020
Loan status: Current
Loan type: Term loan
Collateral: Required
Business type: Corporation
Jobs supported

Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.

ZIPS Cleaners (formally ZIPS Dry Cleaners), by the numbers

Recent financings

Who funds ZIPS Cleaners (formally ZIPS Dry Cleaners) — and where

Common questions

How much does a ZIPS Cleaners (formally ZIPS Dry Cleaners) cost to buy or open?

How risky is ZIPS Cleaners (formally ZIPS Dry Cleaners)?

Can I finance a ZIPS Cleaners (formally ZIPS Dry Cleaners) with an SBA loan?

AI summary