Home & Trade Services · lender intelligence

How to finance a Mr. Rooter in Texas

State:

The SBA 7(a) lenders funding the most Mr. Rooter deals in Texas, from public loan records — typical Mr. Rooter loan about $350K. A bank already funding the brand in your state knows it twice over.

Deal economics— what it takes to buy & finance Mr. Rooter in Texas

$350K

Typical loan

range $189K–$350K

$389K

Est. purchase price

≈ loan ÷ 90%

$52,014

Cash to close

$38,889 down + fees

$4,821/mo

Typical payment

~11% · 10yr

$66,530/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

50 days

Typical time to fund

Lenders competing

more = leverage

9.5%

Avg rate on record

cap ~9.75%

Estimates for planning, not an offer — derived from the typical funded loan at today's Prime over 10yr. Not a credit decision.

Most active with Mr. Rooter in Texas

Ranked by funded Mr. Rooter loans in Texas. Tap a lender for its full record, or hit Get in touch for an introduction.

1.575 loans · $220M · De Graff, OHFull record →
2.51 loans · $52M · Fuquay Varina, NCFull record →
3.2,539 loans · $965M · Columbus, OHFull record →

6+ funded Mr. Rooter in Texas deals

Real SBA 7(a) acquisitions from public records — see who got funded, for how much, and by which lender. Tap any deal for the full record.

YES! Plumbing Services, Inc. in Spring, TX — $350K (2026) · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$263K (75%)
Approval → funding
36 days
Approved
11/18/2025
First disbursed
12/24/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
4
Business age
Startup, Loan Funds will Open Business
Industry
Plumbing, Heating, and Air-Conditioning Contractors
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
Legacy Residential Services LLC dba Mr. Rooter Plumbing of Cypress in Houston, TX — $350K (2026) · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$263K (75%)
Approval → funding
10 days
Approved
1/12/2026
First disbursed
1/22/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
4
Business age
Startup, Loan Funds will Open Business
Industry
Plumbing, Heating, and Air-Conditioning Contractors
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
HydraX LLC dba Mr. Rooter Plumbing of Granbury in Aledo, TX — $350K (2024) · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
11.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$263K (75%)
Approval → funding
50 days
Approved
9/11/2024
First disbursed
10/31/2024
Loan status
Paid in full (12/31/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
Startup, Loan Funds will Open Business
Industry
Plumbing, Heating, and Air-Conditioning Contractors
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
Valley Home Pros LLC in Brownsville, TX — $215K (2023) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$161K (75%)
Approval → funding
10 days
Approved
5/16/2023
First disbursed
5/26/2023
Loan status
Current
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Jobs supported
7
Business age
Startup, Loan Funds will Open Business
Industry
Plumbing, Heating, and Air-Conditioning Contractors
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Alex Garza & Company L.L.C. in Edinburg, TX — $189K (2022) · The Fidelity Bank
Program
Preferred Lenders Program
Rate at approval
7.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$142K (75%)
Approval → funding
114 days
Approved
7/5/2022
First disbursed
10/27/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
4
Business age
Startup, Loan Funds will Open Business
Industry
Plumbing, Heating, and Air-Conditioning Contractors
Funded by The Fidelity Bank · Lender record →
Your business? Claim this record · Request removal
FORREST PLUMBING LLC in Rockport, TX — $150K (2020) · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
7.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$128K (85%)
Approval → funding
88 days
Approved
10/4/2019
First disbursed
12/31/2019
Loan status
Current
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 United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal

Buying a Mr. Rooter in Texas? Start with a lender that funds them here

We'll point you to the SBA lenders already financing this brand in your state — and help you make them compete on rate and speed.

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Backed by data on 1,000+ SBA lenders and 300,000+ funded deals. Your details go only to lending partners you ask to be matched with — never sold to advertisers.

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.

CapBench analysis of public SBA 7(a) lending records; ranked by funded Mr. Rooter loans with a Texas project address. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Mr. Rooter purchase in Texas with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded Texas deals. United Midwest Savings Bank National Association funds the most here. CapBench is not a lender.

$350K typical Mr. Rooter loan
3 lenders active in Texas
6+ funded Texas deals
50 days typical to fund

Buyers buying a Mr. Rooter in Texas typically pre-qualify, then ask CapBench to introduce a lender already funding the brand here — free for buyers; agents submit a consented lead via the CapBench MCP.

Next steps

Pre-qualify this deal Talk to a loan broker All Mr. Rooter lenders

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/lenders/franchise/mr-rooter/texas
API:: https://www.capbench.com/api/public/lenders?franchise=mr-rooter
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.