SBA 7(a)/504 FOIA · FY1991–PRESENT · PENNSYLVANIA
SERVPRO franchise in Pennsylvania: what the public record shows
Franchisees of SERVPRO in Pennsylvania have taken 69 SBA loans in the FY1991–present FOIA files (average $408,136). Those approved through FY2020 defaulted at a rate not clearly different from franchise loans made in the same years nationally: 4 charge-offs among 49 resolved loans, where about 8.4 would be expected (0.5×). SERVPRO's national ratio is 0.5×. Its latest FDD Item 20 state table reports 106 franchised outlets in Pennsylvania (fiscal 2025) — about 0.81 per 100k residents.
Loans in PA
69
Charged off (all years)
4 of 50
Loss ratio in PA (not clear)
0.5×
Loss ratio nationally
0.5×
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = PA. 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
3,222
statewide, all operators
Per 100k residents
24.6
national 26.7
Versus the country
-8%
thinner
Every business in SERVPRO's industry operating in Pennsylvania — 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
$630
Pennsylvania, BLS QCEW 2025
National average
$659
same industry, all states
Versus the country
-4%
cheaper to staff
What SERVPRO's industry actually pays workers in Pennsylvania, 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 |
|---|---|---|
| 2014 | 2 | 0 |
| 2015 | 2 | 0 |
| 2016 | 2 | 0 |
| 2023 | 101 | 0 |
| 2024 | 106 | 0 |
| 2025 | 106 | 0 |
| System | Loans in PA | Charged off (all years) | Loss ratio in PA | Units in PA |
|---|---|---|---|---|
| SERVICEMASTER RESTORE | 14 | 1 of 7 | — | 81 |
| ZIPS DRY CLEANERS | 8 | 0 of 4 | — | 7 |
| Fish Window Cleaning | 7 | 2 of 4 | — | — |
| WINDOW GENIE | 7 | 2 of 2 | — | 7 |
| MOLLY MAID | 6 | 0 of 5 | — | 5 |
| Maidpro | 5 | 0 of 5 | — | — |
Other systems in SERVPRO's sector whose franchisees borrowed in Pennsylvania. 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 SERVPRO’s numbers, including talking you out of a bad deal.