SBA 7(a)/504 FOIA · FY1991–PRESENT · NEW JERSEY
Paul Davis Restoration franchise in New Jersey: what the public record shows
Franchisees of Paul Davis Restoration in New Jersey have taken 8 SBA loans in the FY1991–present FOIA files (average $608,750). Fewer than 30 of them were approved through FY2020 and have resolved, so no local loss ratio is published. Paul Davis Restoration's national ratio is 0.7× (not clearly different from 1.0×). Its latest FDD Item 20 state table reports 10 franchised outlets in New Jersey (fiscal 2025) — about 0.11 per 100k residents.
Loans in NJ
8
Charged off (all years)
—
Loss ratio in NJ
—
Loss ratio nationally (not clear)
0.7×
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = NJ. Loss ratio = charge-offs among loans approved through FY2020 ÷ the charge-offs expected if each had defaulted at the national rate for franchise loans approved the same year; 1.0× is the same. Only charged-off and paid-in-full loans count. A ratio is shown at 30+ such loans; “not clear” marks a ratio chance alone could produce. The all-years count mixes every era and is evidence, not a rate to compare. Borrowers are matched to the brand by name and SBA franchise code; some matches may be wrong or missing.
Businesses in this industry
3,473
statewide, all operators
Per 100k residents
36.6
national 26.7
Versus the country
+37%
denser
Every business in Paul Davis Restoration's industry operating in New Jersey — franchised and independent — from the Census Bureau's County Business Patterns (2023), against 2024 population estimates. Counter-intuitively, density is not a warning: across the brand-state cells in the loan data, denser markets have historically charged off less often than the thinnest (see the research page). A crowded market is usually proven demand; an empty one is often empty for a reason.
Avg weekly wage, this industry
$689
New Jersey, BLS QCEW 2025
National average
$659
same industry, all states
Versus the country
+5%
costlier to staff
What Paul Davis Restoration's industry actually pays workers in New Jersey, from the Bureau of Labor Statistics' Quarterly Census of Employment and Wages (2025), employment-weighted across counties. This cost signal is independent of the FDD: a market can look demand-rich above and still carry a margin headwind here if local wages run hot for the sector.
| Fiscal year | Franchised | Company-owned |
|---|---|---|
| 2019 | 5 | 0 |
| 2020 | 4 | 0 |
| 2021 | 6 | 0 |
| 2023 | 8 | 0 |
| 2024 | 8 | 0 |
| 2025 | 10 | 0 |
| System | Loans in NJ | Charged off (all years) | Loss ratio in NJ | Units in NJ |
|---|---|---|---|---|
| SERVPRO | 29 | 2 of 19 | — | 74 |
| MOLLY MAID | 9 | 0 of 5 | — | 12 |
| THE MAIDS | 8 | 0 of 3 | — | 21 |
| PUROCLEAN | 7 | 0 of 1 | — | 23 |
| THE CLEANING AUTHORITY | 7 | 0 of 4 | — | 7 |
| MERRY MAIDS | 6 | 0 of 6 | — | 17 |
| Fish Window Cleaning | 5 | 0 of 1 | — | — |
Other systems in Paul Davis Restoration's sector whose franchisees borrowed in New Jersey. A loss ratio appears only where at least 30 loans approved through FY2020 have resolved; “—” means too few.
A broker is usually paid by the franchisor to place you. I'm paid only by you, never by a franchisor you're considering — and the job is pressure-testing Paul Davis Restoration’s numbers, including talking you out of a bad deal.