Financing a Servpro with an SBA loan
Since FY2020, 74 Servpro locations changed hands on an SBA 7(a) loan. Here is what those deals looked like, what the brand costs to open, which lenders wrote the loans, and where the brand stands with the SBA.
Servpro franchising: servpro.com
What a Servpro deal looks like
Servpro is an established brand in the SBA loan file: 74 acquisitions cleared underwriting in the last five years. The median loan was $577,100 at 8.88 percent. Amortized over 10 years, that is about $7,273 a month, or $87,276 a year in debt service. SBA's 10 percent minimum equity injection on a deal that size is roughly $64,122 of buyer cash, some of which a seller note on standby can sometimes cover.
Illustrative only: the median loan is not a purchase price, and every deal differs. Model your own in the deal analyzer or the DSCR calculator.
7(a) or 504 for a Servpro?
Servpro is typically a leasehold business: the value is goodwill, equipment, and the brand, not real estate. That points to an SBA 7(a) loan, usually amortized over 10 years. The 504 program, which finances owner-occupied real estate, is rarely the fit here unless the deal happens to include a building. Model the payment in the 7(a) calculator and check coverage in the DSCR calculator.
What it costs to open a Servpro
These are Servpro's own franchise terms, set by the franchisor and separate from the SBA loan. They matter to a buyer because the franchise fee and the build-out are part of the project the loan has to cover, and lenders weigh the net-worth and liquidity minimums when they size a deal.
- Total initial investment
- $263,305 to $385,570
- Initial franchise fee
- $100,000
- Ongoing royalty
- Graduated royalty of 3% to 10% of monthly gross volume (sliding scale, not a single flat percent); a separate marketing/advertising contribution also applies.
Restoration & cleanup services (fire/water damage), figures from the 2026 FDD. Sources: FranchiseDirect - Servpro FDD/UFOC (2026 figures: Item 7 $263,305-$385,570, franchise fee $100,000, royalty 3-10%), FDD Exchange - Servpro 2024 FDD (Item 7 $241,270-$301,775, fee $90,000), Franchise Chatter - Servpro detailed costs (2021 FDD Item 5/7 baseline), FranchiseHelp - Servpro franchise cost (royalty 3-10%, marketing fee), FranDB - SERVPRO (UNIT) 2025 FDD (Item 7 $258,780-$379,500, franchise fee $100,000, tiered 3-10% royalty). Franchise economics are drawn from each brand's public Franchise Disclosure Document (FDD Items 5 and 7) and reputable third-party franchise databases, compiled for independent editorial reference. The Closing Binder is not affiliated with, endorsed by, or sponsored by any franchisor listed. Franchise fee, investment, royalty, and net-worth figures are set by the franchisor and change with each FDD; confirm current terms in the brand's latest FDD before relying on them.
Lenders that actually write these
The banks below approved the most Servpro acquisitions in the file. A lender that has funded this brand before is the fastest path through underwriting.
- Live Oak Banking Company35 Servpro loans
- First Bank5 Servpro loans
- Huntington National Bank4 Servpro loans
- Bancorp Bank National Association3 Servpro loans
- CIBC Bank USA3 Servpro loans
SBA conditions on this brand
Servpro is listed in the SBA Franchise Directory with no brand-specific lender conditions on file. A lender still runs the standard franchise review, but there is no special addendum or lease restriction attached to this brand.
Frequently asked questions
How much does it cost to buy a Servpro franchise?
Opening a Servpro takes a total initial investment of about $263,305 to $385,570, including a $100,000 initial franchise fee, per the brand's FDD. Buying an existing location is priced differently: the median SBA 7(a) acquisition loan for Servpro was $577,100 in the federal loan file.
Can you buy a Servpro with an SBA loan?
Yes. 74 Servpro locations were acquired with SBA 7(a) financing since FY2020, and the brand is listed in the SBA Franchise Directory. A lender runs the standard SBA franchise review as part of underwriting.
How much do you need for a down payment on a Servpro?
SBA requires a minimum 10 percent equity injection. On the median Servpro loan of $577,100, that is roughly $64,122 of buyer cash, though a seller note kept on full standby can cover part of it. The rest is financed over about 10 years, around $7,273 a month at the median rate.
Which lenders finance Servpro acquisitions?
Live Oak Banking Company, First Bank and Huntington National Bank wrote the most Servpro acquisition loans in the federal file. A lender that has funded the brand before knows its franchise agreement and tends to move faster. See the full lender detail above.
Other home services brands buyers finance
Loan counts, median size, median rate, and lender ranking are computed from the SBA 7(a) FOIA file, change of ownership approvals, FY2025 to FY2026 Q3, as of June 30, 2026. Eligibility, the identifier code, and any conditions are from the SBA Franchise Directory, effective August 11, 2026. Franchise cost figures are from Servpro's public FDD and third-party franchise databases. We are not affiliated with, endorsed by, or sponsored by Servpro or its franchisor, and directory listing is not an endorsement of any individual deal. Methodology.