Home & Trade Services · lender intelligence

How to finance a Servpro in California

State:

The SBA 7(a) lenders funding the most Servpro deals in California, from public loan records — typical Servpro loan about $500K. A bank already funding the brand in your state knows it twice over.

Deal economics— what it takes to buy & finance Servpro in California

$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

30 days

Typical time to fund

Lenders competing

more = leverage

7.66%

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 in California

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

1.1,296 loans · $1.4B · Wilmington, NCFull record →
2.31 loans · $32M · Phoenix, AZFull record →
3.101 loans · $81M · Pasadena, CAFull record →
4.23 loans · $25M · Chicago, ILFull record →
5.274 loans · $315M · Los Angeles, CAFull record →
6.13 loans · $18M · Roseburg, ORFull record →
7.618 loans · $171M · Salt Lake City, UTFull record →

22+ funded Servpro in California 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.

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 →
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
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
Phyllis Eleanor, LLC in Redlands, CA — $1.2M (2025) · East West Bank
Program
Preferred Lenders Program
Rate at approval
8.5% variable
Term
300 mo (25 yrs)
SBA guaranteed
$924K (75%)
Approval → funding
33 days
Approved
9/17/2025
First disbursed
10/20/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
39
Business age
Existing or more than 2 years old
Industry
Remediation Services
Funded by East West Bank · Lender record →
Your business? Claim this record · Request removal
Reliable Fire Water Restoration Services Inc. in Chula Vista, CA — $1.5M (2024) · Western Alliance Bank
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.1M (75%)
Approval → funding
8 days
Approved
5/2/2024
First disbursed
5/10/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Existing or more than 2 years old
Industry
Carpet and Upholstery Cleaning Services
Funded by Western Alliance Bank · Lender record →
Your business? Claim this record · Request removal
Servpro of South Redland/Yucaipa in Redlands, CA — $500K (2024) · East West Bank
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$375K (75%)
Approval → funding
19 days
Approved
3/21/2024
First disbursed
4/9/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
50
Business age
Existing or more than 2 years old
Industry
Remediation Services
Funded by East West Bank · Lender record →
Your business? Claim this record · Request removal
Reliable Fire Water Restoration Services Inc. in Chula Vista, CA — $150K (2024) · Western Alliance Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$75K (50%)
Approval → funding
82 days
Approved
2/18/2024
First disbursed
5/10/2024
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Existing or more than 2 years old
Industry
Carpet and Upholstery Cleaning Services
Funded by Western Alliance Bank · Lender record →
Your business? Claim this record · Request removal
OAKIE, INC in San Jacinto, CA — $620K (2023) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$465K (75%)
Approval → funding
30 days
Approved
5/24/2023
First disbursed
6/23/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
16
Business age
Change of Ownership
Industry
All Other Specialty Trade Contractors
If you were the buyer here
Est. deal size
$689K
Est. down payment (10%)
$69K
Est. cash at closing
$92K
Monthly payment
$7,938
Annual debt service
$95K
Cash flow needed (1.25×)
$119K
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 WILSHIRE CENTER in Encino, CA — $450K (2023) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$338K (75%)
Approval → funding
21 days
Approved
1/18/2023
First disbursed
2/8/2023
Loan status
Paid in full (2/28/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
11
Business age
Change of Ownership
Industry
All Other Specialty Trade Contractors
If you were the buyer here
Est. deal size
$500K
Est. down payment (10%)
$50K
Est. cash at closing
$67K
Monthly payment
$5,761
Annual debt service
$69K
Cash flow needed (1.25×)
$86K
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 WILSHIRE CENTER in Encino, CA — $250K (2023) · purchase · Live Oak Banking Company
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$125K (50%)
Approval → funding
21 days
Approved
1/18/2023
First disbursed
2/8/2023
Loan status
Paid in full (6/30/2025)
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
11
Business age
Change of Ownership
Industry
All Other Specialty Trade Contractors
If you were the buyer here
Est. deal size
$278K
Est. down payment (10%)
$28K
Est. cash at closing
$37K
Monthly payment
$3,235
Annual debt service
$39K
Cash flow needed (1.25×)
$49K
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
OAKIE, INC in San Jacinto, CA — $250K (2023) · purchase · Live Oak Banking Company
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$125K (50%)
Approval → funding
30 days
Approved
5/24/2023
First disbursed
6/23/2023
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
16
Business age
Change of Ownership
Industry
All Other Specialty Trade Contractors
If you were the buyer here
Est. deal size
$278K
Est. down payment (10%)
$28K
Est. cash at closing
$37K
Monthly payment
$3,304
Annual debt service
$40K
Cash flow needed (1.25×)
$50K
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
Citywide Restoration, inc in Canoga Park, CA — $995K (2022) · Columbia Bank
Program
Preferred Lenders Program
Rate at approval
7.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$746K (75%)
Approved
9/8/2022
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
Existing or more than 2 years old
Industry
Carpet and Upholstery Cleaning Services
Funded by Columbia Bank · Lender record →
Your business? Claim this record · Request removal
Araya Construction, Inc. in San Marcos, CA — $500K (2022) · purchase · Zions Bank, A Division of
Program
Preferred Lenders Program
Rate at approval
5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$375K (75%)
Approval → funding
18 days
Approved
2/14/2022
First disbursed
3/4/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
16
Business age
Change of Ownership
Industry
Residential Remodelers
If you were the buyer here
Est. deal size
$556K
Est. down payment (10%)
$56K
Est. cash at closing
$74K
Monthly payment
$5,303
Annual debt service
$64K
Cash flow needed (1.25×)
$80K
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 Zions Bank, A Division of · Lender record →
Your business? Claim this record · Request removal
SERVPRO of Visalia in Visalia, CA — $180K (2021) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$162K (90%)
Approval → funding
58 days
Approved
9/15/2021
First disbursed
11/12/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
8
Business age
Change of Ownership
Industry
Remediation Services
If you were the buyer here
Est. deal size
$200K
Est. down payment (10%)
$20K
Est. cash at closing
$27K
Monthly payment
$1,998
Annual debt service
$24K
Cash flow needed (1.25×)
$30K
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 Visalia in Visalia, CA — $100K (2021) · purchase · Live Oak Banking Company
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$75K (75%)
Approval → funding
58 days
Approved
9/15/2021
First disbursed
11/12/2021
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
8
Business age
Change of Ownership
Industry
Remediation Services
If you were the buyer here
Est. deal size
$111K
Est. down payment (10%)
$11K
Est. cash at closing
$14K
Monthly payment
$1,110
Annual debt service
$13K
Cash flow needed (1.25×)
$17K
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
Palo Alto Restoration Inc in Milpitas, CA — $2.1M (2020) · purchase · CIBC Bank USA
Program
Preferred Lenders Program
Rate at approval
5.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.6M (75%)
Approval → funding
8 days
Approved
9/22/2020
First disbursed
9/30/2020
Loan status
Paid in full (4/30/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
19
Business age
Change of Ownership
Industry
All Other Specialty Trade Contractors
If you were the buyer here
Est. deal size
$2.3M
Est. down payment (10%)
$231K
Est. cash at closing
$318K
Monthly payment
$22,810
Annual debt service
$274K
Cash flow needed (1.25×)
$342K
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 CIBC Bank USA · Lender record →
Your business? Claim this record · Request removal
DART'S ENTERPRISES, INC. in Palm Desert, CA — $1.7M (2020) · purchase · U.S. Bank, National Association
Program
Preferred Lenders Program
Rate at approval
5.02% fixed
Term
300 mo (25 yrs)
SBA guaranteed
$1.3M (75%)
Approval → funding
43 days
Approved
8/18/2020
First disbursed
9/30/2020
Loan status
Paid in full (8/31/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Change of Ownership
Industry
Carpet and Upholstery Cleaning Services
If you were the buyer here
Est. deal size
$1.9M
Est. down payment (10%)
$189K
Est. cash at closing
$260K
Monthly payment
$9,955
Annual debt service
$119K
Cash flow needed (1.25×)
$149K
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 U.S. Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Palo Alto Restoration Inc in Milpitas, CA — $500K (2020) · CIBC Bank USA
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
5.25% variable
Term
72 mo (6 yrs)
SBA guaranteed
$250K (50%)
Approval → funding
57 days
Approved
9/4/2020
First disbursed
10/31/2020
Loan status
Paid in full (4/30/2023)
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
New Business or 2 years or less
Industry
Other Foundation, Structure, and Building Exterior Contracto
Funded by CIBC Bank USA · Lender record →
Your business? Claim this record · Request removal

Buying a Servpro in California? 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 Servpro loans with a California project address. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Servpro purchase in California with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded California deals. Live Oak Banking Company funds the most here. CapBench is not a lender.

$500K typical Servpro loan
10 lenders active in California
22+ funded California deals
30 days typical to fund

Buyers buying a Servpro in California 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 Servpro 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/servpro/california
API:: https://www.capbench.com/api/public/lenders?franchise=servpro
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.