SBA 7(a)/504 FOIA · FY1991–PRESENT · MICHIGAN
SERVICEMASTER RESTORE franchise in Michigan: what the public record shows
Franchisees of SERVICEMASTER RESTORE in Michigan have taken 11 SBA loans in the FY1991–present FOIA files (average $317,545). Fewer than 30 of them were approved through FY2020 and have resolved, so no local loss ratio is published. SERVICEMASTER RESTORE's national ratio is 0.5×. Its latest FDD Item 20 state table reports 74 franchised outlets in Michigan (fiscal 2025) — about 0.73 per 100k residents.
Loans in MI
11
Charged off (all years)
0 of 5
Loss ratio in MI
—
Loss ratio nationally
0.5×
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = MI. 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
2,217
statewide, all operators
Per 100k residents
21.9
national 26.7
Versus the country
-18%
thinner
Every business in SERVICEMASTER RESTORE's industry operating in Michigan — 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
$644
Michigan, BLS QCEW 2025
National average
$659
same industry, all states
Versus the country
-2%
cheaper to staff
What SERVICEMASTER RESTORE's industry actually pays workers in Michigan, 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 |
|---|---|---|
| 2023 | 75 | 0 |
| 2024 | 75 | 0 |
| 2025 | 74 | 0 |
| System | Loans in MI | Charged off (all years) | Loss ratio in MI | Units in MI |
|---|---|---|---|---|
| SERVPRO | 37 | 1 of 23 | — | 72 |
| Paul Davis Restoration | 12 | 2 of 6 | — | 11 |
| MOLLY MAID | 8 | 0 of 5 | — | 17 |
| SERVICEMASTER CLEAN | 8 | 0 of 8 | — | 26 |
| RESTORATION 1 | 7 | 0 of 3 | — | 14 |
| MERRY MAIDS | 6 | 1 of 3 | — | 5 |
| SHINE WINDOW CARE AND HOLIDAY LIGHTING | 6 | 0 of 2 | — | 10 |
| Chem-Dry | 5 | 3 of 5 | — | — |
| Oxi Fresh Carpet Cleaning | 5 | 0 of 1 | — | — |
| Paul W. Davis Systems | 5 | 0 of 3 | — | — |
Other systems in SERVICEMASTER RESTORE's sector whose franchisees borrowed in Michigan. 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 SERVICEMASTER RESTORE’s numbers, including talking you out of a bad deal.