1-800 Water Damage, by the numbers
1-800 Water Damage appears in 19 SBA 7(a) loans since 2020 — from public SBA 7(a) loan records (FY2020–present). Every figure below comes from real financed deals: what buyers paid, where, and how the loans performed.
SBA Franchise Directory: listed ✓ (identifier S0002)
19 deals since 2020 · typical deal $150K
19
Deals since 2020
$150K
Typical deal
1
Deals since FY2025
—
Too few deals to score risk
What buyers pay for 1-800 Water Damage
Most 1-800 Water Damage deals financed between $131K and $150K. Above $150K, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $2,218
- Down payment (10%)
- $17K
- Cash to close (all-in)
- $21K
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 ~$21K)
Experience
Recent financings
- 1-800 WATER DAMAGE OF KANSAS CITY NORTH in Trimble, MO — $150K (2025) · Celtic Bank Corporation
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $128K (85%)
- Approval → funding
- 8 days
- Approved
- 3/11/2025
- First disbursed
- 3/19/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 14
- Business age
- Existing or more than 2 years old
- Industry
- All Other Personal Services
Funded by Celtic Bank Corporation · Lender record →
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- 1-800 Water Damage Mid Central New Jersey in Morganville, NJ — $280K (2024) · Readycap Lending, LLC
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 108 mo (9 yrs)
- SBA guaranteed
- $210K (75%)
- Approval → funding
- 71 days
- Approved
- 5/22/2024
- First disbursed
- 8/1/2024
- Loan status
- In workout — SBA bought the guarantee
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 3
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Remediation Services
Funded by Readycap Lending, LLC · Lender record →
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- Chiodo Corp. in Vancouver, WA — $2.6M (2022) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 5.5% fixed
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $1.9M (75%)
- Approval → funding
- 18 days
- Approved
- 1/20/2022
- First disbursed
- 2/7/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- Change of Ownership
- Industry
- Other Services to Buildings and Dwellings
If you were the buyer here
- Est. deal size
- $2.9M
- Est. down payment (10%)
- $287K
- Est. cash at closing
- $395K
- Monthly payment
- $15,843
- Annual debt service
- $190K
- Cash flow needed (1.25×)
- $238K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Live Oak Banking Company · Lender record →
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- Chiodo Corp. in Vancouver, WA — $280K (2022) · purchase · Live Oak Banking Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 5.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $140K (50%)
- Approval → funding
- 18 days
- Approved
- 1/20/2022
- First disbursed
- 2/7/2022
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- Change of Ownership
- Industry
- Other Services to Buildings and Dwellings
If you were the buyer here
- Est. deal size
- $311K
- Est. down payment (10%)
- $31K
- Est. cash at closing
- $42K
- Monthly payment
- $3,004
- Annual debt service
- $36K
- Cash flow needed (1.25×)
- $45K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Live Oak Banking Company · Lender record →
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- Aderica Investments Co in Cypress, TX — $90K (2022) · JPMorgan Chase Bank, National Association
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9.33% fixed
- Term
- 33 months
- SBA guaranteed
- $45K (50%)
- Approval → funding
- 15 days
- Approved
- 5/23/2022
- First disbursed
- 6/7/2022
- Loan status
- Failed — $65K charged off (10/22/2024)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 6
- Business age
- New Business or 2 years or less
- Industry
- Remediation Services
Funded by JPMorgan Chase Bank, National Association · Lender record →
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- FLOOD, MOLD & FIRE RESTORATION OF MIAMI, LLC in Miami, FL — $150K (2021) · United Midwest Savings Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $135K (90%)
- Approval → funding
- 8 days
- Approved
- 4/22/2021
- First disbursed
- 4/30/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Remediation Services
Funded by United Midwest Savings Bank National Association · Lender record →
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- US RECOVERY SERVICES LLC in Bethel, CT — $150K (2021) · United Midwest Savings Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $128K (85%)
- Approval → funding
- 4 days
- Approved
- 10/27/2020
- First disbursed
- 10/31/2020
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 5
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Remediation Services
Funded by United Midwest Savings Bank National Association · Lender record →
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- JCA Family Enterprises LLC in Montgomery, TX — $150K (2021) · United Midwest Savings Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 111 months
- SBA guaranteed
- $135K (90%)
- Approval → funding
- 15 days
- Approved
- 6/15/2021
- First disbursed
- 6/30/2021
- Loan status
- Failed — $147K charged off (1/29/2024)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 6
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Remediation Services
Funded by United Midwest Savings Bank National Association · Lender record →
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- Vig Family, LLC in Cranston, RI — $150K (2021) · United Midwest Savings Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $135K (90%)
- Approval → funding
- 23 days
- Approved
- 7/8/2021
- First disbursed
- 7/31/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 6
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Remediation Services
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
- Action PDR, Inc. in Franklin, WI — $75K (2021) · Waukesha State Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 5.25% variable
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $56K (75%)
- Approval → funding
- 86 days
- Approved
- 9/21/2021
- First disbursed
- 12/16/2021
- Loan status
- Paid in full (9/30/2023)
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 11
- Business age
- Existing or more than 2 years old
- Industry
- Remediation Services
Funded by Waukesha State Bank · Lender record →
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Who funds 1-800 Water Damage — and where
Every dot is a financed 1-800 Water Damage — 19 mapped.
Financed 1-800 Water Damage locations — list all 19 as text
- FLOOD, MOLD & FIRE RESTORATION OF MIAMI, LLC — Miami · $150K · FY2021 · Remediation Services
- 1-800 Water Damage Mid Central New Jersey — Morganville · $280K · FY2024 · Remediation Services
- 1-800 WATER DAMAGE OF KANSAS CITY NORTH — Trimble · $150K · FY2025 · All Other Personal Services
- Harvey Investments LLC — Irmo · $150K · FY2020 · Remediation Services
- River Rat Restoration LLC — Lake Havasu City · $150K · FY2020 · Remediation Services
- Jetwind Company — Elkhorn · $131K · FY2020 · Remediation Services
- Triangle Restoration Services, LLC — Raleigh · $150K · FY2020 · Remediation Services
- US RECOVERY SERVICES LLC — Bethel · $150K · FY2021 · Remediation Services
- Aderica Investments Co — Cypress · $90K · FY2022 · Remediation Services
- REBUILD MASTERS INC — Milledgeville · $150K · FY2020 · Remediation Services
- AKE Investments LLC — Carrollton · $318K · FY2020 · Other Services to Buildings and Dwellings
- BLWOOT, INC. — Chicago · $150K · FY2020 · Remediation Services
- Chiodo Corp. — Vancouver · $280K · FY2022 · Other Services to Buildings and Dwellings
- Chiodo Corp. — Vancouver · $2.6M · FY2022 · Other Services to Buildings and Dwellings
- JCA Family Enterprises LLC — Montgomery · $150K · FY2021 · Remediation Services
- Vig Family, LLC — Cranston · $150K · FY2021 · Remediation Services
- TAREA LLC — Valparaiso · $48K · FY2021 · Janitorial Services
- Action PDR, Inc. — Franklin · $70K · FY2021 · Remediation Services
- Action PDR, Inc. — Franklin · $75K · FY2021 · Remediation Services
Top lenders for this brand
Most active states
- 1.Texas (2 loans)1-800 Water Damage lenders in Texas->
- 2.Georgia (2 loans)1-800 Water Damage lenders in Georgia->
- 3.Washington (2 loans)1-800 Water Damage lenders in Washington->
- 4.Wisconsin (2 loans)1-800 Water Damage lenders in Wisconsin->
- 5.Florida (1 loans)1-800 Water Damage lenders in Florida->
- 6.New Jersey (1 loans)1-800 Water Damage lenders in New Jersey->
- 7.Missouri (1 loans)1-800 Water Damage lenders in Missouri->
- 8.South Carolina (1 loans)1-800 Water Damage lenders in South Carolina->
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Common questions
How much does a 1-800 Water Damage cost to buy or open?
The typical deal for 1-800 Water Damage is $150K across 19 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $17K of buyer cash on a typical deal.
How risky is 1-800 Water Damage?
1-800 Water Damage has 19 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 1-800 Water Damage with an SBA loan?
Yes — 1-800 Water Damage has been SBA-financed 1 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.
Buying a 1-800 Water Damage franchise
Most 1-800 Water Damage buyers finance the purchase or build-out with an SBA 7(a) loan — up to 90% of the cost with roughly 10% down. The typical 1-800 Water Damage deal financed for $150K, which points to about $17K of buyer cash on a typical purchase. 1-800 Water Damage is listed in the SBA Franchise Directory (identifier S0002), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund 1-800 Water Damage — a bank that knows the brand approves faster — or pre-qualify for financing to see your likely loan size first.
AI summary
This profile summarizes public SBA financing activity for 1-800 Water Damage — lender activity, typical loan sizes, financing history, and risk and failure signals where available — via CapBench SBA Intelligence. CapBench is not a lender.
Source: CapBench SBA Intelligence, based on public SBA, lender, franchise, FDIC, and related records. CapBench is not a lender and does not guarantee financing.
Agent summary
This page summarizes public SBA 7(a) financing for 1-800 Water Damage — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. 1-800 Water Damage is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 19 SBA 7(a) deals since 2020
- $150K typical deal
- 1 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S0002)
- Top lenders: United Midwest Savings Bank National Association, Live Oak Banking Company, Waukesha State Bank
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-07-26.
- Sources:
- Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
- Methodology:
- Sources & methodology
- Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
- Figures come from public records and CapBench methodology; verify before relying on them.
- Financing figures are historical SBA loan records, not a current offer or franchise availability. Confirm SBA Franchise Directory listing with your lender before an LOI.
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CapBench analysis of public lending records, FY2020–present. Charge-off rate measured on the FY2020–23 cohort. Not affiliated with 1-800 Water Damage.