Spray-Net
44
SBA Loans
$7.4M
Total Financed
$167K
Avg Loan Size
—
YoY Loan Growth
How Spray-Net Compares
- Ranks #30 of 294 Home & Repair Services brands by SBA loan count (#256 of 3,543 overall).
- Its average loan of $167K is 5% below the Home & Repair Services median of $177K.
- Its 11.4% charge-off rate compares to a 2.9% average across all Home & Repair Services brands.
SBA Loan Activity by Fiscal Year
| Fiscal Year | Loans | Total Financed |
|---|---|---|
| FY2021 | 11 | $1.6M |
| FY2022 | 9 | $1.3M |
| FY2023 | 12 | $2.1M |
| FY2024 | 3 | $618K |
| FY2025 | 2 | $392K |
| FY2026 | 7 | $1.4M |
FY2026 may be a partial year -- the SBA dataset is refreshed quarterly and the most recent fiscal year is often incomplete.
Where Spray-Net Is Getting SBA-Financed
Recent SBA-Financed Spray-Net Locations
Borrower names and amounts as reported in the SBA's public 7(a) loan dataset.
Frequently Asked Questions
Is Spray-Net growing or shrinking?
Spray-Net doesn't have enough SBA loan activity in both FY2025 and FY2026 to calculate a reliable year-over-year trend. For context, it ranks #30 of 294 Home & Repair Services brands by total SBA loan count since FY2020 -- a snapshot of scale, if not of trend.
How much does it cost to open a Spray-Net franchise?
We don't have that figure -- investment ranges and fees come from a franchisor's Franchise Disclosure Document (FDD), which this site doesn't parse (see methodology). The average SBA loan size of $167K (5% below the typical Home & Repair Services brand's $177K) is a rough proxy, but SBA loans often cover only part of total investment.
What's the SBA loan default rate for Spray-Net?
5 of 44 SBA loans to Spray-Net franchisees (11.4%) have been charged off since FY2020, compared to 2.9% across all Home & Repair Services brands.
Top SBA Lenders
- United Midwest Savings Bank National Association19
- The Huntington National Bank12
- First Bank of the Lake5
- Centennial Bank4
- Newtek Bank, National Association2
Get the Franchise SBA Financing Model -- an editable amortization, P&L, and breakeven calculator. $19.
Source: SBA 7(a) FOIA loan dataset. View dataset