MR. ROOTER: how its 65 SBA loans actually performed
Plumbing, Heating, and Air-Conditioning Contractors · 65 units financed with SBA 7(a) loans since 2010 · 26 lenders have funded this brand.
3 of 25 owners defaulted on their SBA loan
That is 12.0% — roughly 2 times the 5.7% average across all SBA 7(a) loans. It does not make this a bad business. It makes it an expensive one to finance.
How this brand compares
share of owners who defaulted within seven yearsWho lends on it
most active lenders, 2010 onward| Lender | Units funded |
|---|---|
| United Midwest Savings Bank National Association | 26 |
| The Huntington National Bank | 4 |
| Byline Bank | 4 |
| KeyBank National Association | 2 |
| First Interstate Bank | 2 |
| SouthState Bank, National Association | 2 |
26 lenders have funded MR. ROOTER since 2010. Fewer active lenders means less competition on your rate.
A note on sample size
MR. ROOTER is a smaller-sample brand: 25 of its SBA loans are old enough to judge (our flagship brands have 60+). The default rate above is a real count, but read it as a signal rather than a verdict — with 25 loans, a handful of outcomes moves the number. We omit the year-by-year breakdowns shown on larger brands, which would be noisy at this size.
Common questions
How many MR. ROOTER SBA loans have defaulted?
3 of 25 seasoned MR. ROOTER SBA 7(a) loans charged off within seven years — a 12.0% default rate, against 5.7% across all SBA 7(a) loans.
Is a MR. ROOTER franchise a safe SBA loan bet?
By the numbers its default rate is above the SBA-wide 5.7% average. That is a financing signal, not a verdict on the business — and with 25 loans it is a smaller sample than our flagship brands.
Which lenders fund MR. ROOTER franchises?
26 lenders have made SBA loans to MR. ROOTER since 2010, led by United Midwest Savings Bank National Association.