Franchise financing
SERVPRO franchise financing
What it costs to finance a SERVPRO 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
- 654
- Total funded
- $354.1M
- Median loan
- $270K
- 7(a) charge-off
- 2.5%
What financing a SERVPRO franchise costs
The median SBA loan to a SERVPRO franchisee is $270K, and the middle half of SERVPRO's 654 loans run $127K to $615K (average $541K). Across all SBA-financed franchises the median loan is $350K. SERVPRO buyers borrow less 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 SERVPRO loan runs 10 years. Model your numbers with the franchise financing calculator.
Of the 620 SERVPRO loans where the SBA recorded a business age, 31.8% went to new businesses two years old or younger. The rest funded existing operations.
How to finance SERVPRO
SERVPRO franchisees have financed with 654 SBA loans since FY2010, averaging $541K each. Of those, 570 ran through the 7(a) program (franchise fee, build-out, equipment, and working capital) and 84 through 504 (owner-occupied real estate). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
SERVPRO's 7(a) charge-off rate is 2.5% across 570 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance SERVPRO
By SBA loan count
Where SERVPRO gets funded
Top states by loan count
- 1. California 62
- 2. Florida 40
- 3. North Carolina 38
- 4. Pennsylvania 44
- 5. Texas 53
- 6. Illinois 33
- 7. Washington 13
- 8. South Carolina 17
Financing a SERVPRO?
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.
SERVPRO SBA financing FAQ
How much does a SERVPRO franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a SERVPRO franchisee is $270K, and the middle half of SERVPRO's 654 loans run $127K to $615K. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of SERVPRO's franchise disclosure document.
Can you use an SBA loan for SERVPRO?
Yes. Lenders have funded 654 SBA loans to SERVPRO franchisees, worth $354.1M in all, so SERVPRO is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for SERVPRO?
The data says yes: of SERVPRO's 620 SBA loans that record a business age, 31.8% 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 SERVPRO?
By loan count, the most active SBA lenders for SERVPRO are Live Oak Banking Company, Wells Fargo Bank National Association, Meridian Bank, among others. A lender already active with your brand often moves faster.
What is SERVPRO's SBA charge-off rate?
Across SERVPRO's 570 SBA 7(a) loans, 2.5% 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 SERVPRO?
Both. Of SERVPRO's 654 SBA loans, 570 were 7(a) (franchise fee, build-out, equipment, working capital) and 84 were 504 (owner-occupied real estate). The median SERVPRO loan term is 10 years.