Franchise financing
ServiceMaster franchise financing
What it costs to finance a ServiceMaster franchise and how buyers fund it. The real numbers: how much gets borrowed, which lenders fund it, and the track record.
By Mario Bailey · Source: SBA FOIA data, as of 2026-03-31
- SBA loans
- 200
- Total funded
- $117.3M
- Median loan
- $353K
- 7(a) charge-off
- 1.8%
What financing a ServiceMaster franchise costs
The median SBA loan to a ServiceMaster franchisee is $353K, and the middle half of ServiceMaster's 200 loans run $150K to $711K (average $587K). Across all SBA-financed franchises the median loan is $350K. ServiceMaster buyers borrow more than the typical franchisee.
These are loan amounts, not the brand's total startup cost. Buyers also put in equity (the SBA generally wants at least 10% down on a new franchise), and the brand's own investment estimate is Item 7 of its franchise disclosure document (FDD). The median ServiceMaster loan runs 10 years. Model your numbers with the franchise financing calculator.
Of the 194 ServiceMaster loans where the SBA recorded a business age, 18.0% went to new businesses two years old or younger. The rest funded existing operations.
How to finance ServiceMaster
ServiceMaster franchisees have financed with 200 SBA loans since FY2010, averaging $587K each. Of those, 167 ran through the 7(a) program (franchise fee, build-out, equipment, and working capital) and 33 through 504 (owner-occupied real estate). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
ServiceMaster's 7(a) charge-off rate is 1.8% across 167 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance ServiceMaster
By SBA loan count
Where ServiceMaster gets funded
Top states by loan count
- 1. California 33
- 2. Arizona 12
- 3. Illinois 12
- 4. Texas 12
- 5. Georgia 6
- 6. South Carolina 1
- 7. Virginia 5
- 8. Minnesota 6
Financing a ServiceMaster?
Get matched with the SBA lenders that actually fund businesses like yours, ranked on real loan data by state, industry, and size. Independent: your details go only to the lenders we match you to, never to data brokers.
ServiceMaster SBA financing FAQ
How much does a ServiceMaster franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a ServiceMaster franchisee is $353K, and the middle half of ServiceMaster's 200 loans run $150K to $711K. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of ServiceMaster's franchise disclosure document.
Can you use an SBA loan for ServiceMaster?
Yes. Lenders have funded 200 SBA loans to ServiceMaster franchisees, worth $117.3M in all, so ServiceMaster is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for ServiceMaster?
The data says yes: of ServiceMaster's 194 SBA loans that record a business age, 18.0% went to new businesses two years old or younger. Expect the lender to look harder at your experience, business plan, and equity injection.
Which lenders finance ServiceMaster?
By loan count, the most active SBA lenders for ServiceMaster are Wells Fargo Bank National Association, The Huntington National Bank, First Bank of the Lake, among others. A lender already active with your brand often moves faster.
What is ServiceMaster's SBA charge-off rate?
Across ServiceMaster's 167 SBA 7(a) loans, 1.8% have charged off. Read it as a relative track-record signal, not a prediction. It is not a lifetime default rate.
Which SBA program fits ServiceMaster?
Both. Of ServiceMaster's 200 SBA loans, 167 were 7(a) (franchise fee, build-out, equipment, working capital) and 33 were 504 (owner-occupied real estate). The median ServiceMaster loan term is 10 years.