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Surface Experts, 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 S3888)

41 deals since 2020 · typical deal $150K · 0% failure rate

41

Deals since 2020

$150K

Typical deal

17

Deals since FY2025

0%

Failure rate (FY20–23)

Surface Experts buyers almost always make it — a 0% failure rate puts it among the safest franchise bets on record.

What buyers pay for Surface Experts

Most Surface Experts deals financed between $150K and $177K. Above $177K, 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

  • Heatherly Enterprises, LLC in Aubrey, TX — $300K (2026) · OptimumBank
  • Recuro LLC in White Plains, NY — $257K (2026) · Manufacturers and Traders Trust Company
  • Anthro Experience Inc. in Columbus, OH — $242K (2026) · The Huntington National Bank
  • Six Fix A Lot Inc in Peoria, AZ — $188K (2026) · The Huntington National Bank
  • NORTH SHERIDAN SURFACES, LLC dba SURFACE EXPERTS CHICAGO NORTH in Evanston, IL — $150K (2026) · United Midwest Savings Bank National Association
  • Six Fix A Lot Inc in Peoria, AZ — $50K (2026) · The Huntington National Bank
  • Anthro Experience Inc. in Columbus, OH — $30K (2026) · The Huntington National Bank
  • Recuro LLC in White Plains, NY — $25K (2026) · Manufacturers and Traders Trust Company
  • A.K. Ventures LLC in Parker, CO — $500K (2025) · BayFirst National Bank
  • Surface Experts of Northeast Georgia in Roswell, GA — $250K (2025) · Newtek Bank, National Association

Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.

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Surface Experts brand mark

Who funds Surface Experts — and where

Every dot is a financed Surface Experts — 41 mapped.

Financed Surface Experts locations — list all 41 as text

Top lenders for this brand

  1. 1.United Midwest Savings Bank National Association(18)
  2. 2.The Huntington National Bank(8)
  3. 3.Manufacturers and Traders Trust Company(4)
  4. 4.Readycap Lending, LLC(2)
  5. 5.First-Citizens Bank & Trust Company(1)

Most active states

  1. 1.Florida (6 loans)
  2. 2.Georgia (4 loans)
  3. 3.Arizona (4 loans)
  4. 4.Ohio (4 loans)
  5. 5.Tennessee (3 loans)
  6. 6.Massachusetts (3 loans)
  7. 7.North Carolina (2 loans)
  8. 8.Colorado (2 loans)

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Common questions

How much does a Surface Experts cost to buy or open?

The typical deal for Surface Experts is $150K across 41 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 Surface Experts?

0% of Surface Experts'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 Surface Experts with an SBA loan?

Yes — Surface Experts has been SBA-financed 17 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

Buying a Surface Experts franchise

Most Surface Experts 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 Surface Experts deal financed for $150K, which points to about $17K of buyer cash on a typical purchase. Surface Experts is listed in the SBA Franchise Directory (identifier S3888), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Surface Experts — 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 Surface Experts — 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 Surface Experts — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Surface Experts is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

  • 41 SBA 7(a) deals since 2020
  • $150K typical deal
  • 17 deals since FY2025
  • 0% failure rate (FY20–23 cohort)
  • SBA Franchise Directory: listed (identifier S3888)
  • Top lenders: United Midwest Savings Bank National Association, The Huntington National Bank, Manufacturers and Traders Trust Company

Next steps

Check SBA fitFind 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/surface-experts
API:
https://www.capbench.com/api/public/franchises/surface-experts
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 Surface Experts.

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