SBA 7(a)/504 FOIA · FY1991–PRESENT · OHIO
Rainbow Restoration franchise in Ohio: what the public record shows
Franchisees of Rainbow Restoration in Ohio have taken 10 SBA loans in the FY1991–present FOIA files (average $155,960). Fewer than 30 of them were approved through FY2020 and have resolved, so no local loss ratio is published. Rainbow Restoration's national ratio is 2.8×.
Loans in OH
10
Charged off (all years)
2 of 8
Loss ratio in OH
—
Loss ratio nationally
2.8×
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = OH. 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
2,471
statewide, all operators
Per 100k residents
20.8
national 26.7
Versus the country
-22%
thinner
Every business in Rainbow Restoration's industry operating in Ohio — 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
$573
Ohio, BLS QCEW 2025
National average
$659
same industry, all states
Versus the country
-13%
cheaper to staff
What Rainbow Restoration's industry actually pays workers in Ohio, 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 OH | Charged off (all years) | Loss ratio in OH | Units in OH |
|---|---|---|---|---|
| SERVICEMASTER RESTORE | 18 | 3 of 15 | — | 71 |
| THE CLEANING AUTHORITY | 17 | 0 of 8 | — | 17 |
| SERVPRO | 16 | 0 of 14 | — | 75 |
| JANI-KING | 12 | 1 of 8 | — | 239 |
| SERVICEMASTER CLEAN | 12 | 0 of 10 | — | 25 |
| MOLLY MAID | 11 | 0 of 7 | — | 18 |
| RESTORATION 1 | 11 | 1 of 6 | — | 7 |
| PUROCLEAN | 9 | 0 of 2 | — | 14 |
| Paul Davis Restoration | 8 | 0 of 6 | — | 7 |
| CRDN | 6 | 0 of 2 | — | 6 |
| THE MAIDS | 5 | 0 of 3 | — | 17 |
| WINDOW GENIE | 5 | 0 of 4 | — | 6 |
Other systems in Rainbow Restoration's sector whose franchisees borrowed in Ohio. 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 Rainbow Restoration’s numbers, including talking you out of a bad deal.