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USA Insulation, 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 S1838)

34 deals since 2020 · typical deal $196K · 4.76% failure rate

34

Deals since 2020

$196K

Typical deal

3

Deals since FY2025

4.76%

Failure rate (FY20–23)

4.76% of USA Insulation's FY2020–23 deals failed — well above typical. Price that risk into your offer and your reserves.

What buyers pay for USA Insulation

Most USA Insulation deals financed between $75K and $331K. Above $331K, you're paying more than 75% of buyers did — make the seller earn it.

Monthly payment (10-yr)
$2,898
Down payment (10%)
$22K
Cash to close (all-in)
$29K

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 ~$29K)

Experience

Recent financings

  • USA Insulation of Minneapolis in Minneapolis, MN — $990K (2026) · U.S. Bank, National Association
  • USA Insulation of Minneapolis in Minneapolis, MN — $75K (2026) · U.S. Bank, National Association
  • Invictus Insulation LLC in Franklin, KY — $335K (2025) · American Bank & Trust Company, Inc.
  • A&L INSULATION OPERATIONS, LLC in Holland, OH — $1.9M (2024) · The Huntington National Bank
  • C&C ATD, LLC in Chandler, AZ — $530K (2024) · The Huntington National Bank
  • WFL Insulation LLC in Clearwater, FL — $458K (2024) · The Huntington National Bank
  • Elite4USA LLC in Hitchcock, TX — $375K (2024) · purchase · The Huntington National Bank
  • Michael Kegley Sr LLC in Lexington, KY — $299K (2024) · The Huntington National Bank
  • CN Insulation LLC dba USA INSULATION OF UTAH in Salt Lake City, UT — $275K (2024) · United Midwest Savings Bank National Association
  • CN Insulation LLC in Kaysville, UT — $150K (2024) · United Midwest Savings Bank National Association

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

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USA Insulation brand mark

Who funds USA Insulation — and where

Every dot is a financed USA Insulation — 34 mapped.

Financed USA Insulation locations — list all 34 as text

Top lenders for this brand

  1. 1.The Huntington National Bank(10)
  2. 2.United Midwest Savings Bank National Association(7)
  3. 3.1st Source Bank(5)
  4. 4.Numerica CU(2)
  5. 5.First Commonwealth Bank (2)

Most active states

  1. 1.Indiana (5 loans)
  2. 2.Texas (5 loans)
  3. 3.Florida (3 loans)
  4. 4.Kentucky (3 loans)
  5. 5.Idaho (2 loans)
  6. 6.Minnesota (2 loans)
  7. 7.Arizona (2 loans)
  8. 8.Utah (2 loans)

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Common questions

How much does a USA Insulation cost to buy or open?

The typical deal for USA Insulation is $196K across 34 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $22K of buyer cash on a typical deal.

How risky is USA Insulation?

4.76% of USA Insulation'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 USA Insulation with an SBA loan?

Yes — USA Insulation has been SBA-financed 3 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

Buying a USA Insulation franchise

Most USA Insulation 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 USA Insulation deal financed for $196K, which points to about $22K of buyer cash on a typical purchase. USA Insulation is listed in the SBA Franchise Directory (identifier S1838), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund USA Insulation — 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 USA Insulation — 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 USA Insulation — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. USA Insulation is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

  • 34 SBA 7(a) deals since 2020
  • $196K typical deal
  • 3 deals since FY2025
  • 4.76% failure rate (FY20–23 cohort)
  • SBA Franchise Directory: listed (identifier S1838)
  • Top lenders: The Huntington National Bank, United Midwest Savings Bank National Association, 1st Source Bank

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 2026-06-20.
Sources:
Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:
https://www.capbench.com/franchises/usa-insulation
API:
https://www.capbench.com/api/public/franchises/usa-insulation
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 USA Insulation.

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