Home & Trade Services · lender intelligence

How to finance a Servpro in North Carolina

State:

The SBA 7(a) lenders funding the most Servpro deals in North Carolina, 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 North Carolina

$716K

Typical loan

range $350K–$1.70M

$795K

Est. purchase price

≈ loan ÷ 90%

$109,015

Cash to close

$79,500 down + fees

$9,258/mo

Typical payment

~9.5% · 10yr

$127,760/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

29 days

Typical time to fund

Lenders competing

more = leverage

7.39%

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 North Carolina

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

1.1 loans · $0M · St. Louis, MOFull record →
2.1,296 loans · $1.4B · Wilmington, NCFull record →
3.27 loans · $28M · Oak Ridge, LAFull record →
4.284 loans · $254M · Cincinnati, OHFull record →
5.24 loans · $17M · Wayne, PAFull record →
6.75 loans · $98M · Sioux Falls, SDFull record →
7.2,539 loans · $965M · Columbus, OHFull record →
8.24 loans · $21M · Raleigh, NCFull record →

24+ funded Servpro in North Carolina 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 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
Servpro of New Bern in Washington, NC — $869K (2025) · purchase · First Bank
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$651K (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
$965K
Est. down payment (10%)
$97K
Est. cash at closing
$132K
Monthly payment
$11,477
Annual debt service
$138K
Cash flow needed (1.25×)
$172K
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
ServPro of Rocky Mount in Rocky Mount, NC — $866K (2025) · Bank of Oak Ridge
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
303 months
SBA guaranteed
$650K (75%)
Approval → funding
89 days
Approved
2/14/2025
First disbursed
5/14/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
22
Business age
Existing or more than 2 years old
Industry
Residential Remodelers
Funded by Bank of Oak Ridge · Lender record →
Your business? Claim this record · Request removal
Servpro of Greenville in Washington, NC — $577K (2025) · purchase · First Bank
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$433K (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
$641K
Est. down payment (10%)
$64K
Est. cash at closing
$86K
Monthly payment
$7,626
Annual debt service
$92K
Cash flow needed (1.25×)
$114K
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
Servpro of Southern Pitt County in Washington, NC — $577K (2025) · purchase · First Bank
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$433K (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
$641K
Est. down payment (10%)
$64K
Est. cash at closing
$86K
Monthly payment
$7,626
Annual debt service
$92K
Cash flow needed (1.25×)
$114K
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
Servpro of Washington in Washington, NC — $150K (2025) · purchase · First Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$75K (50%)
Approval → funding
44 days
Approved
9/29/2025
First disbursed
11/12/2025
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
22
Business age
Change of Ownership
Industry
Residential Remodelers
If you were the buyer here
Est. deal size
$167K
Est. down payment (10%)
$17K
Est. cash at closing
$21K
Monthly payment
$2,024
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 First Bank · Lender record →
Your business? Claim this record · Request removal
Spring Investments Inc. in Winston Salem, NC — $2.3M (2024) · Fifth Third Bank
Program
Preferred Lenders Program
Rate at approval
7.6% variable
Term
168 mo (14 yrs)
SBA guaranteed
$1.7M (75%)
Approval → funding
3 days
Approved
8/16/2024
First disbursed
8/19/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
35
Business age
Existing or more than 2 years old
Industry
Other Foundation, Structure, and Building Exterior Contracto
Funded by Fifth Third Bank · Lender record →
Your business? Claim this record · Request removal
ServPro of Roanoke Rapids in Roanoke Rapids, NC — $2.8M (2023) · Bank of Oak Ridge
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
180 mo (15 yrs)
SBA guaranteed
$2.1M (75%)
Approval → funding
7 days
Approved
6/2/2023
First disbursed
6/9/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
16
Business age
Existing or more than 2 years old
Industry
Remediation Services
Funded by Bank of Oak Ridge · Lender record →
Your business? Claim this record · Request removal
ServPro of Rocky Mount in Rocky Mount, NC — $716K (2023) · Bank of Oak Ridge
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$537K (75%)
Approval → funding
16 days
Approved
12/21/2022
First disbursed
1/6/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
12
Business age
Existing or more than 2 years old
Industry
Residential Remodelers
Funded by Bank of Oak Ridge · Lender record →
Your business? Claim this record · Request removal
ISG-CC INC. in Henderson, NC — $1.7M (2022) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
8.25% variable
Term
168 mo (14 yrs)
SBA guaranteed
$1.3M (75%)
Approval → funding
8 days
Approved
8/23/2022
First disbursed
8/31/2022
Loan status
Paid in full (12/31/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
8
Business age
Change of Ownership
Industry
Other Services to Buildings and Dwellings
If you were the buyer here
Est. deal size
$1.9M
Est. down payment (10%)
$189K
Est. cash at closing
$260K
Monthly payment
$17,095
Annual debt service
$205K
Cash flow needed (1.25×)
$256K
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
Edwards Restoration, L.L.C in Raleigh, NC — $500K (2022) · Live Oak Banking Company
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$250K (50%)
Approval → funding
14 days
Approved
6/10/2022
First disbursed
6/24/2022
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
17
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
Edwards Restoration, L.L.C in Raleigh, NC — $500K (2022) · Live Oak Banking Company
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$250K (50%)
Approved
6/10/2022
Loan status
Cancelled
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
17
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
Edwards Restoration, L.L.C in Raleigh, NC — $350K (2022) · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$263K (75%)
Approval → funding
14 days
Approved
6/10/2022
First disbursed
6/24/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
17
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
ISG-CC INC. in Henderson, NC — $300K (2022) · purchase · Live Oak Banking Company
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
7.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$150K (50%)
Approval → funding
8 days
Approved
8/23/2022
First disbursed
8/31/2022
Loan status
Paid in full (11/30/2025)
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
8
Business age
Change of Ownership
Industry
Other Services to Buildings and Dwellings
If you were the buyer here
Est. deal size
$333K
Est. down payment (10%)
$33K
Est. cash at closing
$45K
Monthly payment
$3,561
Annual debt service
$43K
Cash flow needed (1.25×)
$53K
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
Federal Hill SP LLC in Durham, NC — $2.0M (2021) · purchase · The Bancorp Bank National Association
Program
Preferred Lenders Program
Rate at approval
5.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.6M (80%)
Approval → funding
29 days
Approved
9/1/2021
First disbursed
9/30/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
30
Business age
Change of Ownership
Industry
Carpet and Upholstery Cleaning Services
If you were the buyer here
Est. deal size
$2.2M
Est. down payment (10%)
$218K
Est. cash at closing
$300K
Monthly payment
$21,543
Annual debt service
$259K
Cash flow needed (1.25×)
$323K
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 Bancorp Bank National Association · Lender record →
Your business? Claim this record · Request removal
Starritt Restoration Inc. in Pittsboro, NC — $978K (2021) · North State Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
300 mo (25 yrs)
SBA guaranteed
$880K (90%)
Approval → funding
1 days
Approved
7/30/2021
First disbursed
7/31/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
Startup, Loan Funds will Open Business
Industry
Residential Remodelers
Funded by North State Bank · Lender record →
Your business? Claim this record · Request removal
Federal Hill SP LLC in Durham, NC — $264K (2021) · purchase · The Bancorp Bank National Association
Program
Preferred Lenders Program
Rate at approval
5.5% variable
Term
60 mo (5 yrs)
SBA guaranteed
$211K (80%)
Approval → funding
29 days
Approved
9/1/2021
First disbursed
9/30/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
30
Business age
Change of Ownership
Industry
Carpet and Upholstery Cleaning Services
If you were the buyer here
Est. deal size
$293K
Est. down payment (10%)
$29K
Est. cash at closing
$39K
Monthly payment
$5,041
Annual debt service
$60K
Cash flow needed (1.25×)
$76K
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 Bancorp Bank National Association · Lender record →
Your business? Claim this record · Request removal
Mountain Restoration Services Inc. in Arden, NC — $3.5M (2020) · Meridian Bank
Program
Preferred Lenders Program
Rate at approval
4.5% variable
Term
204 mo (17 yrs)
SBA guaranteed
$2.6M (75%)
Approval → funding
43 days
Approved
8/18/2020
First disbursed
9/30/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
27
Business age
Startup, Loan Funds will Open Business
Industry
Residential Remodelers
Funded by Meridian Bank · Lender record →
Your business? Claim this record · Request removal
Property Restoration and Cleaning Services, LLC in Winston Salem, NC — $1.2M (2020) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
6.25% variable
Term
168 mo (14 yrs)
SBA guaranteed
$900K (75%)
Approval → funding
65 days
Approved
11/27/2019
First disbursed
1/31/2020
Loan status
Paid in full (8/31/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
14
Business age
Change of Ownership
Industry
Carpet and Upholstery Cleaning Services
If you were the buyer here
Est. deal size
$1.3M
Est. down payment (10%)
$133K
Est. cash at closing
$183K
Monthly payment
$10,735
Annual debt service
$129K
Cash flow needed (1.25×)
$161K
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
Olde South Services, LLC in Clayton, NC — $806K (2020) · purchase · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
7.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$605K (75%)
Approval → funding
10 days
Approved
12/2/2019
First disbursed
12/12/2019
Loan status
In workout — SBA bought the guarantee
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
13
Business age
Change of Ownership
Industry
Remediation Services
If you were the buyer here
Est. deal size
$896K
Est. down payment (10%)
$90K
Est. cash at closing
$123K
Monthly payment
$9,567
Annual debt service
$115K
Cash flow needed (1.25×)
$144K
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

Buying a Servpro in North Carolina? 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 North Carolina project address. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Servpro purchase in North Carolina with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded North Carolina deals. First Bank funds the most here. CapBench is not a lender.

$500K typical Servpro loan
8 lenders active in North Carolina
24+ funded North Carolina deals
29 days typical to fund

Buyers buying a Servpro in North Carolina 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 2026-06-20.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/franchise/servpro/north-carolina
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.