Mighty Dog Roofing, 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 S6115)
141 deals since 2020 · typical deal $273K · 2.38% failure rate
141
Deals since 2020
$273K
Typical deal
5
Deals since FY2025
2.38%
Failure rate (FY20–23)
What buyers pay for Mighty Dog Roofing
Most Mighty Dog Roofing deals financed between $50K and $348K. Above $348K, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $3,792
- Down payment (10%)
- $30K
- Cash to close (all-in)
- $40K
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 ~$40K)
Experience
Recent financings
- MDR West Pittsburgh LLC in Sewickley, PA — $761K (2026) · First Commonwealth Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $571K (75%)
- Approved
- 2/27/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 9
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Roofing Contractors
Funded by First Commonwealth Bank · Lender record →
Your business? Claim this record · Request removal
- WALSH NOLABELLA LLC in Peoria, AZ — $264K (2026) · Arizona Financial Credit Union
- Program
- Preferred Lenders Program
- Rate at approval
- 10% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $198K (75%)
- Approval → funding
- 6 days
- Approved
- 11/13/2025
- First disbursed
- 11/19/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 3
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Roofing Contractors
Funded by Arizona Financial Credit Union · Lender record →
Your business? Claim this record · Request removal
- Mighty Dog Roofing of Auburn in Waverly, AL — $383K (2025) · First Bank of the Lake
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $288K (75%)
- Approval → funding
- 42 days
- Approved
- 5/22/2025
- First disbursed
- 7/3/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 2
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Roofing Contractors
Funded by First Bank of the Lake · Lender record →
Your business? Claim this record · Request removal
- Mighty Dog Roofing 245, Mighty Dog Roofing of Winston-Salem in Huntersville, NC — $275K (2025) · First Bank of the Lake
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 132 mo (11 yrs)
- SBA guaranteed
- $206K (75%)
- Approval → funding
- 35 days
- Approved
- 1/28/2025
- First disbursed
- 3/4/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 2
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Roofing Contractors
Funded by First Bank of the Lake · Lender record →
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- Nelson Elite Contracting LLC in Tarpon Springs, FL — $261K (2025) · First Bank of the Lake
- Program
- Preferred Lenders Program
- Rate at approval
- 10% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $195K (75%)
- Approval → funding
- 43 days
- Approved
- 12/17/2024
- First disbursed
- 1/29/2025
- Loan status
- Payments deferred
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 6
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Roofing Contractors
Funded by First Bank of the Lake · Lender record →
Your business? Claim this record · Request removal
- Fat Rooster LLC in San Antonio, TX — $548K (2024) · TowneBank
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $411K (75%)
- Approval → funding
- 32 days
- Approved
- 1/11/2024
- First disbursed
- 2/12/2024
- 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
- 16
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Roofing Contractors
Funded by TowneBank · Lender record →
Your business? Claim this record · Request removal
- Millert 1023 Renovations, Inc. in Oviedo, FL — $420K (2024) · First Commonwealth Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $315K (75%)
- Approval → funding
- 12 days
- Approved
- 1/24/2024
- First disbursed
- 2/5/2024
- Loan status
- Paid in full (2/28/2026)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 10
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Roofing Contractors
Funded by First Commonwealth Bank · Lender record →
Your business? Claim this record · Request removal
- Mighty Dog Roofing Fort Myers in Punta Gorda, FL — $415K (2024) · First Bank of the Lake
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $311K (75%)
- Approval → funding
- 26 days
- Approved
- 3/1/2024
- First disbursed
- 3/27/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 12
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Roofing Contractors
Funded by First Bank of the Lake · Lender record →
Your business? Claim this record · Request removal
- Mighty Dog Roofing of Greater Des Moines in Waukee, IA — $375K (2024) · First Bank of the Lake
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $281K (75%)
- Approval → funding
- 4 days
- Approved
- 2/19/2024
- First disbursed
- 2/23/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 17
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Roofing Contractors
Funded by First Bank of the Lake · Lender record →
Your business? Claim this record · Request removal
- Stellmacher Construction, LLC in Beaverton, OR — $365K (2024) · First Commonwealth Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $274K (75%)
- Approval → funding
- 9 days
- Approved
- 3/13/2024
- First disbursed
- 3/22/2024
- 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
- Roofing Contractors
Funded by First Commonwealth Bank · Lender record →
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Who funds Mighty Dog Roofing — and where
Every dot is a financed Mighty Dog Roofing — 141 mapped.
Financed Mighty Dog Roofing locations — list all 141 as text
- Lincoln, Scout, & Barnes LLC — Denver · $50K · FY2021 · Roofing Contractors
- Lincoln, Scout, & Barnes LLC — Denver · $395K · FY2021 · Roofing Contractors
- Bauer Industries, LLC — Pickerington · $252K · FY2021 · Roofing Contractors
- Ben And Tyler's LLC — Cocoa · $282K · FY2023 · Roofing Contractors
- Ben And Tyler's LLC — Cocoa · $50K · FY2023 · Roofing Contractors
- New Seed Homes LLC — Madison · $409K · FY2023 · Roofing Contractors
- Brown94 Corporation — Macon · $20K · FY2023 · Roofing Contractors
- Brown94 Corporation — Macon · $305K · FY2023 · Roofing Contractors
- BK Horizons LLC — Chuckey · $320K · FY2023 · Roofing Contractors
- BK Horizons LLC — Chuckey · $30K · FY2023 · Roofing Contractors
- Haus Boys, L.L.C. — Sewell · $330K · FY2023 · Roofing Contractors
- Haus Boys, L.L.C. — Bridgeton · $20K · FY2023 · Roofing Contractors
- Miller Investment Ventures, LLC. — North Palm Beach · $312K · FY2023 · Roofing Contractors
- Miller Investment Ventures, LLC. — North Palm Beach · $50K · FY2023 · Roofing Contractors
- Nielsen Services LLC — Louisville · $25K · FY2023 · Roofing Contractors
- Nielsen Services LLC — Louisville · $326K · FY2023 · Roofing Contractors
- Ravish Industries Inc — Concord · $340K · FY2023 · Other Foundation, Structure, and Building Exterior Contracto
- Ravish Industries Inc — Concord · $50K · FY2023 · Other Foundation, Structure, and Building Exterior Contracto
- MSG Contracting Corp. — Wayne · $50K · FY2023 · Roofing Contractors
- MSG Contracting Corp. — Wayne · $346K · FY2023 · Roofing Contractors
- Scale Beyond LLC — Paramus · $328K · FY2023 · Roofing Contractors
- Smart Mart of MI, LLC — Northville · $20K · FY2023 · Roofing Contractors
- Smart Mart of MI, LLC — Northville · $292K · FY2023 · Roofing Contractors
- LaBenTo LLC — Boca Raton · $320K · FY2023 · Roofing Contractors
- LaBenTo LLC — Boca Raton · $320K · FY2023 · Roofing Contractors
- LJAHM Enterprises Inc. 401k Profit Sharing Plan — Queen Creek · $30K · FY2023 · Roofing Contractors
- LJAHM Enterprises Inc. 401k Profit Sharing Plan — Queen Creek · $491K · FY2023 · Roofing Contractors
- Mighty Dog Roofing of Northwest Arkansas — Bentonville · $246K · FY2024 · Roofing Contractors
- WALSH NOLABELLA LLC — Peoria · $264K · FY2026 · Roofing Contractors
- MDR West Pittsburgh LLC — Sewickley · $761K · FY2026 · Roofing Contractors
- Mighty Dog Roofing of Auburn — Waverly · $383K · FY2025 · Roofing Contractors
- JMR Capital Holdings, Inc. — Summit · $50K · FY2022 · Roofing Contractors
- JMR Capital Holdings, Inc. — Summit · $325K · FY2022 · Roofing Contractors
- MDR NBTX LLC — New Braunfels · $50K · FY2022 · Roofing Contractors
- MDR NBTX LLC — New Braunfels · $411K · FY2022 · Roofing Contractors
- NK Roofing Corporation — Ponte Vedra · $436K · FY2022 · Roofing Contractors
- NK Roofing Corporation — Ponte Vedra · $50K · FY2022 · Roofing Contractors
- The Sindaco Group, Inc. — Canadensis · $273K · FY2022 · Roofing Contractors
- The Sindaco Group, Inc. — Canadensis · $50K · FY2022 · Roofing Contractors
- NK Roofing Corporation — Ponte Vedra · $50K · FY2022 · Roofing Contractors
- BrendAugi, Inc. — Highlands Ranch · $50K · FY2022 · Roofing Contractors
- BrendAugi, Inc. — Highlands Ranch · $330K · FY2022 · Roofing Contractors
- BPM Enterprises LLC — Alpharetta · $365K · FY2022 · Roofing Contractors
- BPM Enterprises LLC — Alpharetta · $50K · FY2022 · Roofing Contractors
- Yoe, LLC — Olive Branch · $50K · FY2022 · Roofing Contractors
- Yoe, LLC — Olive Branch · $348K · FY2022 · Roofing Contractors
- WGL Services, LLC — Garner · $50K · FY2022 · Other Foundation, Structure, and Building Exterior Contracto
- WGL Services, LLC — Garner · $290K · FY2022 · Other Foundation, Structure, and Building Exterior Contracto
- Tricoast Roofing, LLC — Webster · $365K · FY2022 · Roofing Contractors
- Tricoast Roofing, LLC — Webster · $40K · FY2022 · Roofing Contractors
- Unrivaled Home & Business Services, Inc. — Windemere · $50K · FY2022 · Roofing Contractors
- Unrivaled Home & Business Services, Inc. — Windemere · $350K · FY2022 · Roofing Contractors
- Quality Homes Roofing LLC — Ann Arbor · $333K · FY2022 · Roofing Contractors
- Quality Homes Roofing LLC — Ann Arbor · $50K · FY2022 · Roofing Contractors
- Hayes Inc. — Damascus · $348K · FY2022 · Roofing Contractors
- Ludington Roofing LLC — Fuquay Varina · $256K · FY2022 · Roofing Contractors
- Ludington Roofing LLC — Fuquay Varina · $50K · FY2022 · Roofing Contractors
- SEJJG LLC — Lubbock · $335K · FY2022 · Roofing Contractors
- SEJJG LLC — Lubbock · $50K · FY2022 · Roofing Contractors
- Innovation Brands LLC — Carmel · $50K · FY2022 · Roofing Contractors
- Innovation Brands LLC — Carmel · $325K · FY2022 · Roofing Contractors
- L&L Roofing, LLC — Lexington · $50K · FY2022 · Roofing Contractors
- L&L Roofing, LLC — Lexington · $533K · FY2022 · Roofing Contractors
- Fourfold Ventures Inc. — Bixby · $256K · FY2023 · Roofing Contractors
- Fourfold Ventures Inc. — Bixby · $50K · FY2023 · Roofing Contractors
- Prestige Worldwide Management, LLC — Ridgefield · $322K · FY2023 · Roofing Contractors
- FIREFLY ROOFING LLC — Novi · $50K · FY2024 · Roofing Contractors
- FIREFLY ROOFING LLC — Novi · $319K · FY2024 · Roofing Contractors
- Fat Rooster LLC — San Antonio · $548K · FY2024 · Roofing Contractors
- Millert 1023 Renovations, Inc. — Oviedo · $420K · FY2024 · Roofing Contractors
- Mighty Dog Roofing of Greater Des Moines — Waukee · $375K · FY2024 · Roofing Contractors
- Mighty Dog Roofing Fort Myers — Punta Gorda · $415K · FY2024 · Roofing Contractors
- Stellmacher Construction, LLC — Beaverton · $365K · FY2024 · Roofing Contractors
- Lyfe Brands Roofing 1 LLC — Monument · $50K · FY2023 · Roofing Contractors
- Lyfe Brands Roofing 1 LLC — Monument · $350K · FY2023 · Roofing Contractors
- MAXIMIZE Roofing, LLC — Ooltewah · $50K · FY2023 · Roofing Contractors
- On Top Roofing Co — Flanders · $50K · FY2023 · Roofing Contractors
- On Top Roofing Co — Flanders · $345K · FY2023 · Roofing Contractors
- Delano Roofing, LLC — Omaha · $449K · FY2023 · Roofing Contractors
- Delano Roofing, LLC — Omaha · $50K · FY2023 · Roofing Contractors
- MAXIMIZE Roofing, LLC — Ooltewah · $467K · FY2023 · Roofing Contractors
- SIXTO ENTERPRISES, LLC — North Providence · $378K · FY2023 · Roofing Contractors
- SIXTO ENTERPRISES, LLC — North Providence · $50K · FY2023 · Roofing Contractors
- Warrior Home Services, Inc. — Howe · $404K · FY2023 · Roofing Contractors
- Warrior Home Services, Inc. — Howe · $50K · FY2023 · Roofing Contractors
- PGS Enterprises LLC — Washington · $50K · FY2024 · Roofing Contractors
- PGS Enterprises LLC — Washington · $315K · FY2024 · Roofing Contractors
- Nelson Elite Contracting LLC — Tarpon Springs · $261K · FY2025 · Roofing Contractors
- Mighty Dog Roofing 245, Mighty Dog Roofing of Winston-Salem — Huntersville · $275K · FY2025 · Roofing Contractors
- Flex Nine Exteriors LLC — Pleasant Grove · $309K · FY2023 · Roofing Contractors
- Flex Nine Exteriors LLC — Pleasant Grove · $40K · FY2023 · Roofing Contractors
- LNRV Roofing Services, LLC — Brandon · $50K · FY2023 · Roofing Contractors
- LNRV Roofing Services, LLC — Brandon · $365K · FY2023 · Roofing Contractors
- Lambert LLC — Minnetonka · $25K · FY2023 · Roofing Contractors
- Lambert LLC — Minnetonka · $319K · FY2023 · Roofing Contractors
- Winston Endeavors Inc. — Plymouth · $35K · FY2023 · Roofing Contractors
- Winston Endeavors Inc. — Plymouth · $343K · FY2023 · Roofing Contractors
- JFR HOME SERVICES LLC — Collinsville · $50K · FY2023 · Roofing Contractors
- JFR HOME SERVICES LLC — Collinsville · $350K · FY2023 · Roofing Contractors
- KDN Brands LLC — Lake Mary · $50K · FY2023 · Roofing Contractors
- KDN Brands LLC — Lake Mary · $328K · FY2023 · Roofing Contractors
- MH3 VENTURES INC. — Dunedin · $50K · FY2023 · Roofing Contractors
- MH3 VENTURES INC. — Dunedin · $445K · FY2023 · Roofing Contractors
- LANOGA INVESTMENT COMPANY — Fairfield · $50K · FY2023 · Roofing Contractors
- Finem Services Inc — Little Rock · $50K · FY2023 · Roofing Contractors
- Finem Services Inc — Little Rock · $402K · FY2023 · Roofing Contractors
- NDPS Roofing LLC — Fort Collins · $50K · FY2023 · Roofing Contractors
- NDPS Roofing LLC — Fort Collins · $350K · FY2023 · Roofing Contractors
- LANOGA INVESTMENT COMPANY — Fairfield · $150K · FY2023 · Roofing Contractors
- Chariot Columbia Roofing LLC — Cayce · $435K · FY2023 · Roofing Contractors
- Chariot Columbia Roofing LLC — Cayce · $50K · FY2023 · Roofing Contractors
- Tri JB Corp. — Boise · $241K · FY2022 · Roofing Contractors
- CJ ROOFING DFW LLC — Dallas · $50K · FY2022 · Roofing Contractors
- CJ ROOFING DFW LLC — Dallas · $456K · FY2022 · Roofing Contractors
- Rayne Endeavors Inc. — Cypress · $455K · FY2022 · Roofing Contractors
- Rayne Endeavors Inc. — Cypress · $40K · FY2022 · Roofing Contractors
- Tri JB Corp. — Boise · $50K · FY2022 · Roofing Contractors
- B&L Exteriors, LLC — Roeland Park · $331K · FY2022 · Roofing Contractors
- B&L Exteriors, LLC — Roeland Park · $50K · FY2022 · Roofing Contractors
- AI Renovations LLC — Hutto · $50K · FY2022 · Roofing Contractors
- AI Renovations LLC — Hutto · $247K · FY2022 · Roofing Contractors
- Big Gus, Inc. — Boulder · $50K · FY2022 · Roofing Contractors
- Big Gus, Inc. — Boulder · $349K · FY2022 · Roofing Contractors
- J&C Home Services Corp. — Cedar Park · $333K · FY2022 · Roofing Contractors
- J&C Home Services Corp. — Cedar Park · $50K · FY2022 · Roofing Contractors
- GC Enterprises LLC — Wichita · $332K · FY2022 · Roofing Contractors
- GC Enterprises LLC — Wichita · $50K · FY2022 · Roofing Contractors
- Black Fox Capital, LLC — Austin · $25K · FY2022 · All Other Specialty Trade Contractors
- Black Fox Capital, LLC — Austin · $350K · FY2022 · All Other Specialty Trade Contractors
- RoGin Enterprises Incorporated — Katy · $300K · FY2022 · Roofing Contractors
- TreFratelli, Inc — Wake Forest · $350K · FY2021 · Roofing Contractors
- Backporch Partners Inc. — Franklin · $50K · FY2021 · Roofing Contractors
- Backporch Partners Inc. — Franklin · $473K · FY2021 · Roofing Contractors
- FOSTER FAMILY FARMS LLC — Carnegie · $345K · FY2021 · Roofing Contractors
- FOSTER FAMILY FARMS LLC — Carnegie · $50K · FY2021 · Roofing Contractors
- SWW HOLDINGS LLC — Kennesaw · $50K · FY2021 · Roofing Contractors
- SWW HOLDINGS LLC — Kennesaw · $335K · FY2021 · Roofing Contractors
- Hobbs Home Services LLC — Fort Worth · $386K · FY2021 · Roofing Contractors
- CGF Enterprises — Atlanta · $50K · FY2021 · Roofing Contractors
- CGF Enterprises — Atlanta · $349K · FY2021 · Roofing Contractors
- Hobbs Home Services LLC — Fort Worth · $50K · FY2021 · Roofing Contractors
Top lenders for this brand
Most active states
- 1.Texas (22 loans)
- 2.Florida (20 loans)
- 3.Colorado (10 loans)
- 4.New Jersey (9 loans)
- 5.Georgia (8 loans)
- 6.Tennessee (6 loans)
- 7.Michigan (6 loans)
- 8.North Carolina (6 loans)
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Common questions
How much does a Mighty Dog Roofing cost to buy or open?
The typical deal for Mighty Dog Roofing is $273K across 141 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $30K of buyer cash on a typical deal.
How risky is Mighty Dog Roofing?
2.38% of Mighty Dog Roofing's FY2020–23 deals failed and were written off. Under 1% is excellent; 1–3% is normal; above 3% deserves hard questions before the LOI.
Can I finance a Mighty Dog Roofing with an SBA loan?
Yes — Mighty Dog Roofing 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.
Buying a Mighty Dog Roofing franchise
Most Mighty Dog Roofing 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 Mighty Dog Roofing deal financed for $273K, which points to about $30K of buyer cash on a typical purchase. Mighty Dog Roofing is listed in the SBA Franchise Directory (identifier S6115), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Mighty Dog Roofing — 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 Mighty Dog Roofing — 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 Mighty Dog Roofing — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Mighty Dog Roofing is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 141 SBA 7(a) deals since 2020
- $273K typical deal
- 5 deals since FY2025
- 2.38% failure rate (FY20–23 cohort)
- SBA Franchise Directory: listed (identifier S6115)
- Top lenders: The Huntington National Bank, First Bank of the Lake, First Commonwealth Bank
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
- 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 Mighty Dog Roofing.