SBA 7(a)/504 FOIA · FY1991–PRESENT · MASSACHUSETTS
SERVPRO franchise in Massachusetts: what the public record shows
Franchisees of SERVPRO in Massachusetts have taken 38 SBA loans since 1991 (average $223,881), and of the 24 loans whose story has ended, 0.0% were charged off — versus 6.4% for SERVPRO nationally and 14.8% across all rateable franchise brands. Its latest FDD Item 20 state table reports 59 franchised outlets in Massachusetts (fiscal 2025) — about 0.83 per 100k residents.
Loans in MA
38
Resolved
24
Local charge-off
0.0%
National charge-off
6.4%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = MA. Charge-off rate = charged-off ÷ (charged-off + paid-in-full); open loans excluded. A local rate is published only when the resolved cohort clears our floor.
Businesses in this industry
2,525
statewide, all operators
Per 100k residents
35.4
national 26.7
Versus the country
+33%
denser
Every business in SERVPRO's industry operating in Massachusetts — franchised and independent — from the Census Bureau's County Business Patterns (2023), against 2024 population estimates. Counter-intuitively, density is not a warning: across 198 brand-state cells in our loan data, the densest quartile charges off at 5.6% versus 18.1% in the thinnest. A crowded market is usually proven demand; an empty one is often empty for a reason.
Avg weekly wage, this industry
$798
Massachusetts, BLS QCEW 2025
National average
$659
same industry, all states
Versus the country
+21%
costlier to staff
What SERVPRO's industry actually pays workers in Massachusetts, from the Bureau of Labor Statistics' Quarterly Census of Employment and Wages (2025), employment-weighted across counties. This is a real cost signal 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 |
|---|---|---|
| 2014 | 5 | 0 |
| 2015 | 5 | 0 |
| 2016 | 5 | 0 |
| 2023 | 54 | 0 |
| 2024 | 55 | 0 |
| 2025 | 59 | 0 |
| System | Loans in MA | Local charge-off | Units in MA |
|---|---|---|---|
| Lapels Dry Cleaning | 19 | 15.4% | — |
| PAUL DAVIS RESTORATION | 6 | thin | 4 |
| Maidpro | 5 | thin | — |
Same sector, same state, same public records — how SERVPRO compares to the systems a buyer in Massachusetts would actually be choosing between. Local rates under 10 resolved loans are marked thin, not hidden.
A broker is paid by the franchisor to place you. I'm paid by you — and the job is pressure-testing SERVPRO's numbers, including talking you out of a bad deal.