Roto-Rooter, 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 S5013)
10 deals since 2020 · typical deal $289K
10
Deals since 2020
$289K
Typical deal
1
Deals since FY2025
—
Too few deals to score risk
What buyers pay for Roto-Rooter
Most Roto-Rooter deals financed between $152K and $735K. Above $735K, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $4,022
- Down payment (10%)
- $32K
- Cash to close (all-in)
- $43K
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 ~$43K)
Experience
Recent financings
- Plumbing 911, Inc. in Arcata, CA — $1.7M (2026) · VelocitySBA, LLC
- Program
- Preferred Lenders Program
- Rate at approval
- 9% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.3M (75%)
- Approved
- 1/23/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 7
- Business age
- Existing or more than 2 years old
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
Funded by VelocitySBA, LLC · Lender record →
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- Moser LLC in Craig, CO — $3.1M (2022) · SouthState Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 5.5% variable
- Term
- 144 mo (12 yrs)
- SBA guaranteed
- $2.3M (75%)
- Approval → funding
- 25 days
- Approved
- 6/7/2022
- First disbursed
- 7/2/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 31
- Business age
- Existing or more than 2 years old
- Industry
- Septic Tank and Related Services
Funded by SouthState Bank, National Association · Lender record →
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- Wesley Pipes, LLC in Athens, GA — $219K (2022) · Falcon National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 7.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $164K (75%)
- Approval → funding
- 0 days
- Approved
- 8/30/2022
- First disbursed
- 8/30/2022
- Loan status
- Paid in full (3/31/2024)
- 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
- Plumbing, Heating, and Air-Conditioning Contractors
Funded by Falcon National Bank · Lender record →
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- Wesley Pipes, LLC in Athens, GA — $100K (2022) · Falcon National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 7.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $50K (50%)
- Approval → funding
- 0 days
- Approved
- 9/2/2022
- First disbursed
- 9/2/2022
- Loan status
- Paid in full (3/31/2024)
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 3
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
Funded by Falcon National Bank · Lender record →
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- 4-J's Sewer & Drain, Inc. in Appleton, WI — $558K (2021) · purchase · Nicolet National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 4.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $502K (90%)
- Approval → funding
- 14 days
- Approved
- 9/16/2021
- First disbursed
- 9/30/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 7
- Business age
- Change of Ownership
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
If you were the buyer here
- Est. deal size
- $620K
- Est. down payment (10%)
- $62K
- Est. cash at closing
- $83K
- Monthly payment
- $5,783
- Annual debt service
- $69K
- Cash flow needed (1.25×)
- $87K
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 Nicolet National Bank · Lender record →
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- Jonny Rooter Sewer & Drain Cleaning Incorporated in Sauk Rapids, MN — $250K (2021) · Falcon National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $188K (75%)
- Approval → funding
- 0 days
- Approved
- 4/12/2021
- First disbursed
- 4/12/2021
- Loan status
- Paid in full (3/31/2024)
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 22
- Business age
- Existing or more than 2 years old
- Industry
- All Other Miscellaneous Waste Management Services
Funded by Falcon National Bank · Lender record →
Your business? Claim this record · Request removal
- 4-J's Sewer & Drain, Inc. in Appleton, WI — $50K (2021) · Nicolet National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $38K (75%)
- Approved
- 9/16/2021
- Loan status
- Committed
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 7
- Business age
- Existing or more than 2 years old
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
Funded by Nicolet National Bank · Lender record →
Your business? Claim this record · Request removal
- Jonny Rooter Sewer & Drain Cleaning Incorporated in Sauk Rapids, MN — $735K (2020) · Falcon National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $551K (75%)
- Approval → funding
- 22 days
- Approved
- 7/9/2020
- First disbursed
- 7/31/2020
- Loan status
- Paid in full (3/31/2024)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 27
- Business age
- Existing or more than 2 years old
- Industry
- All Other Miscellaneous Waste Management Services
Funded by Falcon National Bank · Lender record →
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- Braden Peak Drain Services, LLC in Mulberry, KS — $289K (2020) · purchase · GNBank National Association
- Program
- 7a General
- Rate at approval
- 5.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $217K (75%)
- Approval → funding
- 18 days
- Approved
- 6/12/2020
- First disbursed
- 6/30/2020
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 5
- Business age
- Change of Ownership
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
If you were the buyer here
- Est. deal size
- $321K
- Est. down payment (10%)
- $32K
- Est. cash at closing
- $43K
- Monthly payment
- $3,101
- Annual debt service
- $37K
- Cash flow needed (1.25×)
- $47K
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 GNBank National Association
Your business? Claim this record · Request removal
- Jonny Rooter Sewer & Drain Cleaning Incorporated in Sauk Rapids, MN — $152K (2020) · Falcon National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $114K (75%)
- Approval → funding
- 21 days
- Approved
- 7/10/2020
- First disbursed
- 7/31/2020
- Loan status
- Paid in full (3/31/2024)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 27
- Business age
- Existing or more than 2 years old
- Industry
- All Other Miscellaneous Waste Management Services
Funded by Falcon National Bank · Lender record →
Your business? Claim this record · Request removal
Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.
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Who funds Roto-Rooter — and where
Every dot is a financed Roto-Rooter — 10 mapped.
Financed Roto-Rooter locations — list all 10 as text
- Jonny Rooter Sewer & Drain Cleaning Incorporated — Sauk Rapids · $250K · FY2021 · All Other Miscellaneous Waste Management Services
- Plumbing 911, Inc. — Arcata · $1.7M · FY2026 · Plumbing, Heating, and Air-Conditioning Contractors
- Braden Peak Drain Services, LLC — Mulberry · $289K · FY2020 · Plumbing, Heating, and Air-Conditioning Contractors
- Jonny Rooter Sewer & Drain Cleaning Incorporated — Sauk Rapids · $735K · FY2020 · All Other Miscellaneous Waste Management Services
- Jonny Rooter Sewer & Drain Cleaning Incorporated — Sauk Rapids · $152K · FY2020 · All Other Miscellaneous Waste Management Services
- Moser LLC — Craig · $3.1M · FY2022 · Septic Tank and Related Services
- Wesley Pipes, LLC — Athens · $219K · FY2022 · Plumbing, Heating, and Air-Conditioning Contractors
- Wesley Pipes, LLC — Athens · $100K · FY2022 · Plumbing, Heating, and Air-Conditioning Contractors
- 4-J's Sewer & Drain, Inc. — Appleton · $558K · FY2021 · Plumbing, Heating, and Air-Conditioning Contractors
- 4-J's Sewer & Drain, Inc. — Appleton · $50K · FY2021 · Plumbing, Heating, and Air-Conditioning Contractors
Top lenders for this brand
1.Falcon National Bank(5)
2.Nicolet National Bank(2)
3.VelocitySBA, LLC(1)
- 4.GNBank National Association (1)
5.SouthState Bank, National Association(1)
Most active states
- 1.Minnesota (3 loans)
- 2.Georgia (2 loans)
- 3.Wisconsin (2 loans)
- 4.California (1 loans)
- 5.Kansas (1 loans)
- 6.Colorado (1 loans)
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Common questions
How much does a Roto-Rooter cost to buy or open?
The typical deal for Roto-Rooter is $289K across 10 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $32K of buyer cash on a typical deal.
How risky is Roto-Rooter?
Roto-Rooter has 10 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 Roto-Rooter with an SBA loan?
Yes — Roto-Rooter 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 Roto-Rooter franchise
Most Roto-Rooter 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 Roto-Rooter deal financed for $289K, which points to about $32K of buyer cash on a typical purchase. Roto-Rooter is listed in the SBA Franchise Directory (identifier S5013), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Roto-Rooter — 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 Roto-Rooter — 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 Roto-Rooter — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Roto-Rooter is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 10 SBA 7(a) deals since 2020
- $289K typical deal
- 1 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S5013)
- Top lenders: Falcon National Bank, Nicolet National Bank, VelocitySBA, LLC
- 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 Roto-Rooter.