System4
15
SBA Loans
$13.7M
Total Financed
$912K
Avg Loan Size
—
YoY Loan Growth
How System4 Compares
- Ranks #80 of 294 Home & Repair Services brands by SBA loan count (#651 of 3,543 overall).
- Its average loan of $912K is 415% above the Home & Repair Services median of $177K.
- With only 15 loans on record, its own charge-off rate isn't statistically meaningful -- for context, Home & Repair Services brands overall see a 2.9% charge-off rate across 4,629 loans.
SBA Loan Activity by Fiscal Year
| Fiscal Year | Loans | Total Financed |
|---|---|---|
| FY2020 | 1 | $195K |
| FY2021 | 1 | $481K |
| FY2022 | 4 | $3.2M |
| FY2023 | 2 | $1.3M |
| FY2024 | 1 | $480K |
| FY2026 | 6 | $8.0M |
FY2026 may be a partial year -- the SBA dataset is refreshed quarterly and the most recent fiscal year is often incomplete.
Where System4 Is Getting SBA-Financed
Recent SBA-Financed System4 Locations
Borrower names and amounts as reported in the SBA's public 7(a) loan dataset.
Frequently Asked Questions
Is System4 growing or shrinking?
System4 doesn't have enough SBA loan activity in both FY2025 and FY2026 to calculate a reliable year-over-year trend. For context, it ranks #80 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 System4 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 $912K (415% above 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 System4?
System4 only has 15 SBA loans on record -- too few to calculate a meaningful charge-off rate on its own. For context, Home & Repair Services brands overall see a 2.9% charge-off rate across 4,629 loans.
Top SBA Lenders
- Citizens Bank6
- Webster Bank National Association4
- The Huntington National Bank2
- HomeTrust Bank1
- Newtek Small Business Finance, Inc.1
Get the Franchise SBA Financing Model -- an editable amortization, P&L, and breakeven calculator. $19.
Source: SBA 7(a) FOIA loan dataset. View dataset