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How to finance a Roto-Rooter

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The SBA 7(a) lenders funding the most Roto-Rooter deals, ranked from public loan records — typical Roto-Rooter loan about $289K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Roto-Rooter

$289K

Typical loan

range $152K–$735K

$321K

Est. purchase price

≈ loan ÷ 90%

$42,949

Cash to close

$32,111 down + fees

$3,981/mo

Typical payment

~11% · 10yr

$54,938/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

21 days

Typical time to fund

Lenders competing

more = leverage

5.95%

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 Roto-Rooter

Ranked by funded Roto-Rooter loans. Tap a lender to open its full record, or hit Get in touch for an introduction.

1.26 loans · $22M · Foley, MNFull record →
2.31 loans · $11M · Green Bay, WIFull record →
3.112 loans · $112M · Irving, TXFull record →
4.62 loans · $34M · Winter Haven, FLFull record →

10+ funded Roto-Rooter 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.

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 →
Your business? Claim this record · Request removal
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 →
Your business? Claim this record · Request removal
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 →
Your business? Claim this record · Request removal
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 →
Your business? Claim this record · Request removal
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 →
Your business? Claim this record · Request removal
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 →
Your business? Claim this record · Request removal
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

Buying a Roto-Rooter? Start with a lender that has funded the brand

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

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CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to Roto-Rooter businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Roto-Rooter purchase with an SBA 7(a) loan: the lenders that fund the brand most (from public records), the typical loan size, and what it takes to qualify. Falcon National Bank funds the most. CapBench is not a lender.

$289K typical Roto-Rooter loan
5 lenders fund the brand
21 days typical to fund

Buyers researching a Roto-Rooter typically pre-qualify for SBA 7(a) financing next, then ask CapBench to introduce a lender that already funds the brand — free for buyers; agents can submit a consented lead via the CapBench MCP.

Next steps

Pre-qualify this deal Talk to a loan broker Roto-Rooter record

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