Home & Trade Services · lender intelligence
How to finance a Servpro
The SBA 7(a) lenders funding the most Servpro deals, ranked from public loan records — typical Servpro loan about $500K, 0.61% failure rate across 220 loans. A bank that has funded the brand knows the model — faster approvals, better terms.
Deal economics— what it takes to buy & finance Servpro
$500K
Typical loan
range $250K–$1.23M
$556K
Est. purchase price
≈ loan ÷ 90%
$74,306
Cash to close
$55,556 down + fees
$6,470/mo
Typical payment
~9.5% · 10yr
$89,286/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
99.4%
Still performing
0.6% default · FY20–23
19 days
Typical time to fund
76
Lenders competing
more = leverage
7.09%
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 Servpro
Ranked by funded Servpro loans. Tap a lender to open its full record, or hit Get in touch for an introduction.
- 1.1,296 loans · $1.4B · Wilmington, NCFull record →
- 2.2,539 loans · $965M · Columbus, OHFull record →
- 3.24 loans · $17M · Wayne, PAFull record →
- 4.24 loans · $21M · Raleigh, NCFull record →
- 5.1 loans · $0M · St. Louis, MOFull record →
- 6.75 loans · $98M · Sioux Falls, SDFull record →
- 7.2 loans · $1M · Minot, NDFull record →
- 8.1,322 loans · $185M · Wilmington, DEFull record →
- 9.23 loans · $25M · Chicago, ILFull record →
- 10.5 loans · $4M · Ixonia, WIFull record →
- 11.78 loans · $53M · Birmingham, ALFull record →
- 12.27 loans · $28M · Oak Ridge, LAFull record →
- 13.284 loans · $254M · Cincinnati, OHFull record →
- 14.4 loans · $1M · Stonewall, OKFull record →
- 15.3 loans · $1M · Saint Francis, MNFull record →
- 16.4 loans · $3M · Libertyville, ILFull record →
- 17.20 loans · $14M · Arlington Heights, ILFull record →
- 18.13 loans · $18M · Roseburg, ORFull record →
- 19.318 loans · $229M · Osage Beach, MOFull record →
- 20.105 loans · $72M · Wilmington, DEFull record →
- 21.31 loans · $32M · Phoenix, AZFull record →
- 22.101 loans · $81M · Pasadena, CAFull record →
- 23.2 loans · $0M · Pine Bluff, ARFull record →
- 24.3,264 loans · $846M · Miami, FLFull record →
- 25.104 loans · $100M · Portsmouth, VAFull record →
220+ funded Servpro 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.
- ServPro of South Durham & Orange County in Monkton, MD — $3.4M (2026) · The Bancorp Bank National Association
- Program
- 7a General
- Rate at approval
- 8% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $2.6M (75%)
- Approved
- 3/5/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 25
- Business age
- Existing or more than 2 years old
- Industry
- Carpet and Upholstery Cleaning Services
Funded by The Bancorp Bank National Association · Lender record →
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- Splex North LLC in Bow, NH — $3.2M (2026) · purchase · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 7.99% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $2.4M (75%)
- Approved
- 12/15/2025
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 15
- Business age
- Change of Ownership
- Industry
- Other Waste Collection
If you were the buyer here
- Est. deal size
- $3.6M
- Est. down payment (10%)
- $357K
- Est. cash at closing
- $493K
- Monthly payment
- $38,987
- Annual debt service
- $468K
- Cash flow needed (1.25×)
- $585K
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 The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- Ranch & Coast, Inc. in Cerritos, CA — $2.0M (2026) · JPMorgan Chase Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 7.5% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.5M (75%)
- Approved
- 11/25/2025
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- New Business or 2 years or less
- Industry
- Remediation Services
Funded by JPMorgan Chase Bank, National Association · Lender record →
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- P&C Restoration LLC in Phoenix, AZ — $1.8M (2026) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.3M (75%)
- Approved
- 3/30/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 22
- Business age
- Change of Ownership
- Industry
- Remediation Services
If you were the buyer here
- Est. deal size
- $2.0M
- Est. down payment (10%)
- $197K
- Est. cash at closing
- $271K
- Monthly payment
- $21,771
- Annual debt service
- $261K
- Cash flow needed (1.25×)
- $327K
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 Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- Point Break Companies LLC in Lakewood, NJ — $710K (2026) · TowneBank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $533K (75%)
- Approved
- 2/19/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Partnership
- Jobs supported
- 25
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Residential Remodelers
Funded by TowneBank · Lender record →
Your business? Claim this record · Request removal
- SERVPRO of Hamilton, South Trenton; SERVPRO Team Spinner; SERVPRO of Roselle; SE in Union, NJ — $600K (2026) · Newtek Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 10% variable
- Term
- 108 mo (9 yrs)
- SBA guaranteed
- $450K (75%)
- Approved
- 12/30/2025
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 3
- Business age
- Existing or more than 2 years old
- Industry
- Remediation Services
Funded by Newtek Bank, National Association · Lender record →
Your business? Claim this record · Request removal
- Splex North LLC in Bow, NH — $500K (2026) · purchase · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $250K (50%)
- Approved
- 12/15/2025
- Loan status
- Committed
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 15
- Business age
- Change of Ownership
- Industry
- Other Waste Collection
If you were the buyer here
- Est. deal size
- $556K
- Est. down payment (10%)
- $56K
- Est. cash at closing
- $74K
- Monthly payment
- $6,334
- Annual debt service
- $76K
- Cash flow needed (1.25×)
- $95K
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 The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- KCDG in Lancaster, CA — $500K (2026) · Live Oak Banking Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 8.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $250K (50%)
- Approval → funding
- 24 days
- Approved
- 1/12/2026
- First disbursed
- 2/5/2026
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 30
- Business age
- Existing or more than 2 years old
- Industry
- Other Personal and Household Goods Repair and Maintenance
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- WATER BROOKS LLC in Concord, CA — $421K (2026) · Bank of America, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 6.44% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $315K (75%)
- Approval → funding
- 51 days
- Approved
- 12/3/2025
- First disbursed
- 1/23/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 53
- Business age
- Existing or more than 2 years old
- Industry
- Residential Remodelers
Funded by Bank of America, National Association · Lender record →
Your business? Claim this record · Request removal
- Ranch & Coast, Inc. in Cerritos, CA — $400K (2026) · JPMorgan Chase Bank, National Association
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $200K (50%)
- Approved
- 11/25/2025
- Loan status
- Committed
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- New Business or 2 years or less
- Industry
- Remediation Services
Funded by JPMorgan Chase Bank, National Association · Lender record →
Your business? Claim this record · Request removal
- JESAL HOLDINGS, LLC in Fort Walton Beach, FL — $300K (2026) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $225K (75%)
- Approval → funding
- 9 days
- Approved
- 1/6/2026
- First disbursed
- 1/15/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 27
- Business age
- Existing or more than 2 years old
- Industry
- Remediation Services
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- Point Break Companies LLC in Lakewood, NJ — $210K (2026) · TowneBank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $105K (50%)
- Approved
- 2/19/2026
- Loan status
- Committed
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Partnership
- Jobs supported
- 25
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Residential Remodelers
Funded by TowneBank · Lender record →
Your business? Claim this record · Request removal
- P&C Restoration LLC in Phoenix, AZ — $150K (2026) · purchase · Live Oak Banking Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 8.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $75K (50%)
- Approved
- 3/27/2026
- Loan status
- Committed
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 22
- Business age
- Change of Ownership
- Industry
- Remediation Services
If you were the buyer here
- Est. deal size
- $167K
- Est. down payment (10%)
- $17K
- Est. cash at closing
- $21K
- Monthly payment
- $1,880
- Annual debt service
- $23K
- Cash flow needed (1.25×)
- $28K
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 Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- SERVPRO of Hamilton, South Trenton; SERVPRO Team Spinner; SERVPRO of Roselle; SE in Union, NJ — $50K (2026) · Newtek Bank, National Association
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 13.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $25K (50%)
- Approved
- 2/19/2026
- Loan status
- Committed
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 3
- Business age
- Existing or more than 2 years old
- Industry
- Remediation Services
Funded by Newtek Bank, National Association · Lender record →
Your business? Claim this record · Request removal
- Servpro of Washington in Washington, NC — $2.7M (2025) · purchase · First Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $2.0M (75%)
- Approval → funding
- 44 days
- Approved
- 9/29/2025
- First disbursed
- 11/12/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 22
- Business age
- Change of Ownership
- Industry
- Residential Remodelers
If you were the buyer here
- Est. deal size
- $3.0M
- Est. down payment (10%)
- $297K
- Est. cash at closing
- $409K
- Monthly payment
- $35,297
- Annual debt service
- $424K
- Cash flow needed (1.25×)
- $529K
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 First Bank · Lender record →
Your business? Claim this record · Request removal
- Two-Step Projects, LLC in Oxford, MS — $2.4M (2025) · purchase · Regions Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 7% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.8M (75%)
- Approval → funding
- 25 days
- Approved
- 11/18/2024
- First disbursed
- 12/13/2024
- Loan status
- Paid in full (9/30/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 22
- Business age
- Change of Ownership
- Industry
- Carpet and Upholstery Cleaning Services
If you were the buyer here
- Est. deal size
- $2.7M
- Est. down payment (10%)
- $272K
- Est. cash at closing
- $375K
- Monthly payment
- $28,404
- Annual debt service
- $341K
- Cash flow needed (1.25×)
- $426K
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 Regions Bank · Lender record →
Your business? Claim this record · Request removal
- Palo Alto Restoration Inc in Milpitas, CA — $2.2M (2025) · Bank of Hope
- Program
- Preferred Lenders Program
- Rate at approval
- 9% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.6M (75%)
- Approval → funding
- 15 days
- Approved
- 4/2/2025
- First disbursed
- 4/17/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 47
- Business age
- Existing or more than 2 years old
- Industry
- All Other Professional, Scientific, and Technical Services
Funded by Bank of Hope · Lender record →
Your business? Claim this record · Request removal
- TST VENTURES LLC in Plymouth, IN — $1.8M (2025) · Grasshopper Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.3M (75%)
- Approved
- 5/28/2025
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 8
- Business age
- New Business or 2 years or less
- Industry
- Carpet and Upholstery Cleaning Services
Funded by Grasshopper Bank National Association · Lender record →
Your business? Claim this record · Request removal
- K Lee, Inc in Hollis, NH — $1.5M (2025) · Rockland Trust Company
- Program
- 7a General
- Rate at approval
- 7% fixed
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $1.1M (75%)
- Approval → funding
- 13 days
- Approved
- 3/5/2025
- First disbursed
- 3/18/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 19
- Business age
- Existing or more than 2 years old
- Industry
- Other Services to Buildings and Dwellings
Funded by Rockland Trust Company · Lender record →
Your business? Claim this record · Request removal
- First Response Restoration LLC in Crossville, TN — $1.4M (2025) · Simmons Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.1M (75%)
- Approval → funding
- 60 days
- Approved
- 9/25/2025
- First disbursed
- 11/24/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 14
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Residential Remodelers
Funded by Simmons Bank · Lender record →
Your business? Claim this record · Request removal
Buying a Servpro? 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 Servpro businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Servpro 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. Live Oak Banking Company funds the most. CapBench is not a lender.
- $500K typical Servpro loan
- 0.61% failure rate (FY20–23)
- 76 lenders fund the brand
- 19 days typical to fund
Buyers researching a Servpro 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.
- 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.
- 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.