Remediation Services: SBA business acquisition loan data
114 SBA 7(a) loans since FY2018 financed the purchase of an existing business classified as Remediation Services (NAICS 562910), totaling $138M. Median loan $752,500, 17% higher than the all-acquisition median. Annual volume rose 82% from FY2024 to FY2026. 41% of these deals were franchised units.
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Reading this industry's numbers
- Deal size. The loan excludes the buyer's equity and any seller note and may include working capital. A loan request far above $1,782,950 would be in the top quarter of SBA acquisition loans in this industry.
- Share of all acquisitions. This industry is 0.2% of all SBA-financed business purchases, ranking #83 of 300 industries tracked.
- Geography. California leads with 17 loans; the top five states account for 47% of the industry's acquisitions.
- Jobs. Lenders reported 1,969 jobs supported across these loans, about 17.3 per acquisition, a rough proxy for the size of business changing hands.
Remediation Services acquisitions by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 3 | $3.5M | $1,255,500 | |
| FY2019 | 8 | $4.4M | $350,000 | |
| FY2020 | 9 | $17.1M | $806,000 | |
| FY2021 | 17 | $20.9M | $450,000 | |
| FY2022 | 15 | $16.7M | $740,000 | |
| FY2023 | 11 | $14.7M | $1,475,000 | |
| FY2024 | 11 | $12.4M | $800,000 | |
| FY2025 | 20 | $20.7M | $500,000 | |
| FY2026 | 20 | $27.5M | $999,500 |
How often do these acquisition loans fail?
Of the 37 Remediation Services acquisition loans approved from FY2018 to FY2021 (the seasoned cohort, every loan at least about five years old), 2 have been charged off by the SBA, a rate of 5.4% by loan count and 1.4% by dollars. 15 have already been paid in full.
For comparison, the charge-off rate across all SBA 7(a) acquisition loans in the same cohort is 3.5%, so Remediation Services is 54% higher than the acquisition-loan average. 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.
Seller note standby terms and third-party consents are reviewed before closing.
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Top states
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | California | 17 | 14.9% | $18.1M | |
| 2 | Florida | 13 | 11.4% | $14.6M | |
| 3 | North Carolina | 10 | 8.8% | $12.8M | |
| 4 | Texas | 8 | 7.0% | $9.7M | |
| 5 | Indiana | 6 | 5.3% | $10.8M | |
| 6 | Georgia | 6 | 5.3% | $9M | |
| 7 | New York | 5 | 4.4% | $7.4M | |
| 8 | Illinois | 5 | 4.4% | $2.9M | |
| 9 | Massachusetts | 4 | 3.5% | $5.9M | |
| 10 | Alabama | 4 | 3.5% | $2.6M |
Most active lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Live Oak Banking Company | 41 | 36.0% | $55.4M | |
| 2 | Byline Bank | 9 | 7.9% | $14.5M | |
| 3 | The Huntington National Bank | 4 | 3.5% | $3.9M | |
| 4 | BayFirst National Bank | 4 | 3.5% | $3.1M | |
| 5 | First Internet Bank of Indiana | 4 | 3.5% | $2.7M | |
| 6 | United Community Bank | 2 | 1.8% | $3M | |
| 7 | Midland States Bank | 2 | 1.8% | $2.9M | |
| 8 | First Bank of Central Ohio | 2 | 1.8% | $1.9M | |
| 9 | Banner Bank | 2 | 1.8% | $1.9M | |
| 10 | Clear Lake Bank & Trust Company | 2 | 1.8% | $1.6M |
Terms signed in the LOI shape the purchase agreement that follows.
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Franchise brands in Remediation Services
41% of acquisition loans in this industry involved a franchised unit. Brands with the most SBA-financed resales:
| # | Brand | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Servpro | 22 | 46.8% | $31.3M | |
| 2 | Paul Davis Restoration | 8 | 17.0% | $13.9M | |
| 3 | PuroClean | 4 | 8.5% | $4.1M | |
| 4 | ServiceMaster | 3 | 6.4% | $2.5M | |
| 5 | Rainbow Restoration | 3 | 6.4% | $635K |
Questions buyers ask
How much is a typical SBA loan to buy a business in Remediation Services?
Median $752,500 across 114 acquisition loans (FY2018 to FY2026); the middle half ran $274,375 to $1,782,950. That is 17% higher than the $645,250 median for all SBA-financed acquisitions.
Which lenders finance the most Remediation Services acquisitions?
Live Oak Banking Company (41), Byline Bank (9), The Huntington National Bank (4), BayFirst National Bank (4), First Internet Bank of Indiana (4).
Are businesses in Remediation Services often franchised?
Yes, often. 41% of SBA acquisition loans in this industry financed a franchised unit. Top brands: Servpro, Paul Davis Restoration, PuroClean, ServiceMaster, Rainbow Restoration.
How risky are SBA loans for buying a business in Remediation Services?
Of 37 seasoned loans (FY2018 to FY2021), 5.4% charged off, 54% higher than the 3.5% benchmark for all SBA acquisition loans.
What loan terms are common for Remediation Services acquisitions?
Median term 10 years, average initial rate 7.94% at approval (blended across years and fixed/variable structures). Terms longer than 10 years usually indicate real estate was included in the purchase.
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