USA Insulation
35
SBA Loans
$9.9M
Total Financed
$284K
Avg Loan Size
-90%
YoY Loan Growth
How USA Insulation Compares
- Ranks #42 of 294 Home & Repair Services brands by SBA loan count (#321 of 3,543 overall).
- Its average loan of $284K is 61% above the Home & Repair Services median of $177K.
- Its 2.9% 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 |
|---|---|---|
| FY2020 | 2 | $200K |
| FY2021 | 9 | $2.3M |
| FY2022 | 7 | $852K |
| FY2023 | 3 | $707K |
| FY2024 | 10 | $4.1M |
| FY2025 | 1 | $335K |
| FY2026 | 3 | $1.5M |
FY2026 may be a partial year -- the SBA dataset is refreshed quarterly and the most recent fiscal year is often incomplete.
Where USA Insulation Is Getting SBA-Financed
Recent SBA-Financed USA Insulation Locations
Borrower names and amounts as reported in the SBA's public 7(a) loan dataset.
Frequently Asked Questions
Is USA Insulation growing or shrinking?
USA Insulation's SBA loan count fell 90% year-over-year. A decline in SBA financing doesn't necessarily mean the brand is shrinking -- franchisees may be using other financing, or SBA lending patterns may have shifted broadly.
How much does it cost to open a USA Insulation 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 $284K (61% 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 USA Insulation?
1 of 35 SBA loans to USA Insulation franchisees (2.9%) have been charged off since FY2020, compared to 2.9% across all Home & Repair Services brands.
Top SBA Lenders
- The Huntington National Bank10
- United Midwest Savings Bank National Association7
- 1st Source Bank5
- Numerica CU2
- First Commonwealth Bank2
Get the Franchise SBA Financing Model -- an editable amortization, P&L, and breakeven calculator. $19.
Source: SBA 7(a) FOIA loan dataset. View dataset