SBA 7(a)/504 FOIA · FY1991–PRESENT · INDIANA
Paul W. Davis Systems franchise in Indiana: what the public record shows
Franchisees of Paul W. Davis Systems in Indiana have taken 5 SBA loans in the FY1991–present FOIA files (average $57,000). Fewer than 30 of them were approved through FY2020 and have resolved, so no local loss ratio is published. Paul W. Davis Systems's national ratio is 0.6× (not clearly different from 1.0×).
Loans in IN
5
Charged off (all years)
0 of 5
Loss ratio in IN
—
Loss ratio nationally (not clear)
0.6×
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = IN. 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
1,445
statewide, all operators
Per 100k residents
20.9
national 26.7
Versus the country
-22%
thinner
Every business in Paul W. Davis Systems's industry operating in Indiana — 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
$602
Indiana, BLS QCEW 2025
National average
$659
same industry, all states
Versus the country
-9%
cheaper to staff
What Paul W. Davis Systems's industry actually pays workers in Indiana, 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.
| System | Loans in IN | Charged off (all years) | Loss ratio in IN | Units in IN |
|---|---|---|---|---|
| SERVPRO | 25 | 2 of 17 | — | 48 |
| SERVICEMASTER RESTORE | 10 | 0 of 4 | — | 50 |
Other systems in Paul W. Davis Systems's sector whose franchisees borrowed in Indiana. 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 W. Davis Systems’ numbers, including talking you out of a bad deal.