Surface Experts
44
SBA Loans
$6.8M
Total Financed
$155K
Avg Loan Size
—
YoY Loan Growth
How Surface Experts Compares
- Ranks #28 of 294 Home & Repair Services brands by SBA loan count (#248 of 3,543 overall).
- Its average loan of $155K is 12% below the Home & Repair Services median of $177K.
- Its 0.0% charge-off rate compares to a 2.9% average across all Home & Repair Services brands.
SBA Loan Activity by Fiscal Year
| Fiscal Year | Loans | Total Financed |
|---|---|---|
| FY2020 | 3 | $429K |
| FY2021 | 9 | $1.3M |
| FY2022 | 2 | $300K |
| FY2023 | 9 | $1.3M |
| FY2024 | 1 | $150K |
| FY2025 | 9 | $1.6M |
| FY2026 | 11 | $1.7M |
FY2026 may be a partial year -- the SBA dataset is refreshed quarterly and the most recent fiscal year is often incomplete.
Where Surface Experts Is Getting SBA-Financed
Recent SBA-Financed Surface Experts Locations
Borrower names and amounts as reported in the SBA's public 7(a) loan dataset.
Frequently Asked Questions
Is Surface Experts growing or shrinking?
Surface Experts doesn't have enough SBA loan activity in both FY2025 and FY2026 to calculate a reliable year-over-year trend. For context, it ranks #28 of 294 Home & Repair Services brands by total SBA loan count since FY2020 -- a snapshot of scale, if not of trend.
How much does it cost to open a Surface Experts franchise?
We don't have that figure -- investment ranges and fees come from a franchisor's Franchise Disclosure Document (FDD), which this site doesn't parse (see methodology). The average SBA loan size of $155K (12% below the typical Home & Repair Services brand's $177K) is a rough proxy, but SBA loans often cover only part of total investment.
What's the SBA loan default rate for Surface Experts?
0 of 44 SBA loans to Surface Experts franchisees (0.0%) have been charged off since FY2020, compared to 2.9% across all Home & Repair Services brands.
Top SBA Lenders
- United Midwest Savings Bank National Association18
- The Huntington National Bank8
- Manufacturers and Traders Trust Company4
- Readycap Lending, LLC2
- Union Bank and Trust Company2
Get the Franchise SBA Financing Model -- an editable amortization, P&L, and breakeven calculator. $19.
Source: SBA 7(a) FOIA loan dataset. View dataset