Buying a Paul Davis Restoration franchise: SBA acquisition loan data
Since FY2018, SBA lenders have approved 11 7(a) loans to buy an existing Paul Davis Restoration (classified mostly as Remediation Services), totaling $18.2M. The median loan was $1,095,000, 70% higher than the $645,250 median for all SBA-financed acquisitions. 5 of these loans were approved in the last two fiscal years.
Seller note standby terms and third-party consents are reviewed before closing.
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What this tells a buyer
- Price range to expect. Loan size tracks purchase price. Half of Paul Davis Restoration resale loans landed between $815,000 and $2,071,000.
- Lender experience exists. Live Oak Banking Company alone has financed 5 Paul Davis Restoration resales.
- Guaranty. The SBA guaranteed 75% of the dollars lent here.
- What the file leaves out. The SBA file does not record franchisor transfer terms or fees.
Financing a Paul Davis Restoration resale
The median SBA 7(a) loan for a Paul Davis Restoration resale was $1,095,000 across 11 loans (FY2018 to FY2026). Live Oak Banking Company, Wilmington Savings Fund Society FSB and CNB Bank have financed the most Paul Davis Restoration resales. Too few of these loans are old enough to measure a charge-off rate; the average for all SBA acquisition loans is 3.5%.
Paul Davis Restoration acquisition loans by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 0 | $0 | - | |
| FY2019 | 1 | $1.1M | $1,095,000 | |
| FY2020 | 1 | $5M | $5,000,000 | |
| FY2021 | 1 | $1.1M | $1,100,000 | |
| FY2022 | 1 | $2.2M | $2,172,000 | |
| FY2023 | 1 | $3.4M | $3,356,100 | |
| FY2024 | 1 | $755K | $755,000 | |
| FY2025 | 0 | $0 | - | |
| FY2026 | 5 | $4.8M | $875,000 |
How often do these acquisition loans fail?
Fewer than 20 Paul Davis Restoration acquisition loans are old enough to measure losses reliably, so no charge-off rate is shown. The benchmark across all SBA acquisition loans in the FY2018 to FY2021 cohort is 3.5% by count. Non-acquisition 7(a) loans (every other stated purpose) approved FY2018 to FY2021 charged off at 6.2%.
"Charged off" is the SBA's final loss action on a defaulted loan after collection efforts. It lags default by a year or more, which is why only older cohorts are measured. It is not the same as a delinquency rate, and loans still outstanding can still fail. See charge-off in the glossary.
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Lenders financing Paul Davis Restoration resales
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Live Oak Banking Company | 5 | 45.5% | $4.8M | |
| 2 | Wilmington Savings Fund Society FSB | 1 | 9.1% | $5M | |
| 3 | CNB Bank | 1 | 9.1% | $3.4M | |
| 4 | Lake Ridge Bank | 1 | 9.1% | $2.2M | |
| 5 | Choice Financial Group | 1 | 9.1% | $1.1M | |
| 6 | Capital Bank, National Association | 1 | 9.1% | $1.1M | |
| 7 | The Huntington National Bank | 1 | 9.1% | $755K |
States where Paul Davis Restoration units are bought
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Connecticut | 2 | 18.2% | $2.5M | |
| 2 | Tennessee | 2 | 18.2% | $1.4M | |
| 3 | New York | 1 | 9.1% | $5M | |
| 4 | Ohio | 1 | 9.1% | $3.4M | |
| 5 | Wisconsin | 1 | 9.1% | $2.2M | |
| 6 | Minnesota | 1 | 9.1% | $1.1M | |
| 7 | North Carolina | 1 | 9.1% | $1.1M | |
| 8 | Virginia | 1 | 9.1% | $875K | |
| 9 | Georgia | 1 | 9.1% | $755K |
Seller note standby terms and third-party consents are reviewed before closing.
Submit Transaction DetailsSBA-financed deals. All 50 states.
How lenders classify Paul Davis Restoration
Lenders code each loan to a NAICS industry. For Paul Davis Restoration the codes used were:
| # | Industry | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Remediation Services | 8 | 72.7% | $13.9M | |
| 2 | All Other Specialty Trade Contractors | 2 | 18.2% | $3.3M | |
| 3 | Residential Remodelers | 1 | 9.1% | $1.1M |
Questions buyers ask
How much do buyers borrow to buy a Paul Davis Restoration franchise?
The median SBA 7(a) loan for a Paul Davis Restoration resale was $1,095,000 across 11 loans (FY2018 to FY2026). The middle half of loans ran from $815,000 to $2,071,000. The loan excludes the buyer's equity and any seller note and may include working capital, so the price is usually higher than the loan.
Which banks finance Paul Davis Restoration acquisitions?
Live Oak Banking Company has made the most SBA acquisition loans for Paul Davis Restoration (5, 45% of the total). Wilmington Savings Fund Society FSB, CNB Bank, Lake Ridge Bank follow.
What interest rate and term do Paul Davis Restoration acquisition loans carry?
The average initial rate at approval was 7.93% (a blend of fixed and variable loans across several rate environments, so treat it as context, not a quote). The median term was 10 years.
Is a Paul Davis Restoration resale riskier than other SBA-financed acquisitions?
Too few Paul Davis Restoration acquisition loans are old enough to measure. The benchmark for all SBA acquisition loans is 3.5% charged off in the FY2018 to FY2021 cohort.
Where are Paul Davis Restoration units being bought with SBA loans?
Connecticut (2), Tennessee (2), New York (1), Ohio (1), Wisconsin (1). State counts follow where the brand has units and where SBA lending is most active generally; see the state pages for the overall picture.
Seller note standby terms and third-party consents are reviewed before closing.
Submit Transaction DetailsAlex Lubyansky leads every engagement.
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Related
- All Remediation Services acquisitions
- Connecticut acquisitions
- Tennessee acquisitions
- New York acquisitions
- Live Oak Banking Company
- Wilmington Savings Fund Society FSB
- Lake Ridge Bank
- All franchise brands
Brand name as recorded by lenders in the SBA file: "Paul Davis Restoration" (franchise code S1285). Figures are aggregates of public SBA data and are not provided or endorsed by the franchisor.