Roto-Rooter - Independent Contractor Agreement, 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 S7478)

2 deals since 2020 · typical deal $1.4M

Deals since 2020

$1.4M

Typical deal

Deals since FY2025

—

Too few deals to score risk

Roto-Rooter - Independent Contractor Agreement has 2 SBA deals on record — real financing history, but too few to score a failure rate you should trust. Underwrite the location and the FDD.

What buyers pay for Roto-Rooter - Independent Contractor Agreement

Most Roto-Rooter - Independent Contractor Agreement deals financed between $75K and $1.39M. Above $1.39M, you're paying more than 75% of buyers did — make the seller earn it.

Your deal size$1.39M

Monthly payment (10-yr): $18,117
Down payment (10%): $154K
Cash to close (all-in): $211K

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 ~$211K)

Experience

Recent financings

Elward Enterprise, Inc. in Fort Wayne, IN — $1.4M (2025) · purchase · 1st Source Bank
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.0M (75%)
Approval → funding
25 days
Approved
3/6/2025
First disbursed
3/31/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
20
Business age
Change of Ownership
Industry
Plumbing, Heating, and Air-Conditioning Contractors
If you were the buyer here
Est. deal size
$1.5M
Est. down payment (10%)
$154K
Est. cash at closing
$211K
Monthly payment
$18,500
Annual debt service
$222K
Cash flow needed (1.25×)
$278K
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 1st Source Bank · Lender record →
Your business? Claim this record · Request removal
Elward Enterprise, Inc. in Fort Wayne, IN — $75K (2025) · purchase · 1st Source Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$38K (50%)
Approved
3/6/2025
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
20
Business age
Change of Ownership
Industry
Plumbing, Heating, and Air-Conditioning Contractors
If you were the buyer here
Est. deal size
$83K
Est. down payment (10%)
$8K
Est. cash at closing
$11K
Monthly payment
$960
Annual debt service
$12K
Cash flow needed (1.25×)
$14K
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 1st Source Bank · Lender record →
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Who funds Roto-Rooter - Independent Contractor Agreement — and where

Every dot is a financed Roto-Rooter - Independent Contractor Agreement — 2 mapped.

Financed Roto-Rooter - Independent Contractor Agreement locations — list all 2 as text

Elward Enterprise, Inc. — Fort Wayne · $1.4M · FY2025 · Plumbing, Heating, and Air-Conditioning Contractors
Elward Enterprise, Inc. — Fort Wayne · $75K · FY2025 · Plumbing, Heating, and Air-Conditioning Contractors

Top lenders for this brand

1.1st Source Bank(2)

Most active states

1.Indiana (2 loans)

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Insider move

Start with the lenders above — a bank that's funded Roto-Rooter - Independent Contractor Agreement 2 times already knows the unit economics and approves faster than one learning the brand on your file.

Who should reach out?

By submitting, I agree that CapBench may share my contact information with SBA lending partners and loan brokers (including partners who compensate CapBench), and that they and CapBench may contact me about financing by phone, email, and text — including via autodialed or prerecorded calls and messages — at the phone number and email I provide. Consent is not a condition of any purchase or service, and message and data rates may apply. CapBench is not a lender and makes no credit decision. We'll introduce you to your pick or a comparable Roto-Rooter - Independent Contractor Agreement lending specialist.

Common questions

How much does a Roto-Rooter - Independent Contractor Agreement cost to buy or open?

The typical deal for Roto-Rooter - Independent Contractor Agreement is $1.4M across 2 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $152K of buyer cash on a typical deal.

How risky is Roto-Rooter - Independent Contractor Agreement?

Roto-Rooter - Independent Contractor Agreement has 2 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 - Independent Contractor Agreement with an SBA loan?

Yes — Roto-Rooter - Independent Contractor Agreement has been SBA-financed 2 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

Buying a Roto-Rooter - Independent Contractor Agreement franchise

Most Roto-Rooter - Independent Contractor Agreement 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 - Independent Contractor Agreement deal financed for $1.4M, which points to about $152K of buyer cash on a typical purchase. Roto-Rooter - Independent Contractor Agreement is listed in the SBA Franchise Directory (identifier S7478), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Roto-Rooter - Independent Contractor Agreement — 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 - Independent Contractor Agreement — 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 - Independent Contractor Agreement — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Roto-Rooter - Independent Contractor Agreement is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

2 SBA 7(a) deals since 2020
$1.4M typical deal
2 deals since FY2025
Too few deals to score a reliable failure rate
SBA Franchise Directory: listed (identifier S7478)
Top lenders: 1st Source Bank

Next steps

Check SBA fit Find SBA lenders $9 lender report

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.
Canonical:: https://www.capbench.com/franchises/roto-rooter-independent-contractor-agreement
API:: https://www.capbench.com/api/public/franchises/roto-rooter-independent-contractor-agreement
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 - Independent Contractor Agreement.