Franchise brands › Enviro-Master Services
Franchise brand54 approvals since FY2014
SBA loans to Enviro-Master Services franchises
Approvals SBA files under the brand's franchise code. The loans are to independent franchise owners; this page describes the brand in aggregate and no franchisee.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
SBA lists 54 loan approvals since FY2014 under the Enviro-Master Services franchise brand, worth $12.2M; 18 of them came in FY2021 to FY2025.
In FY2025 there were 5. The average approval in the five-year window was $284K.
10 lenders made the FY2021 to FY2025 loans across 11 states; the most active were United Midwest Savings Bank National Association (4), The Huntington National Bank (3) and HomeTrust Bank (2).
Of loans approved in FY2010 to FY2021 and disbursed, SBA records 4.9% as charged off, below the 6.0% for all SBA loans from those years. The figures describe loans to independent franchise owners, not the franchisor.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Data through 30 Jun 2026.
Loans by fiscal year
| Fiscal year | Approvals | Dollars approved | Average approval | of which 504 | Jobs supported, as reported |
|---|---|---|---|---|---|
| FY2026* | 2 | — | — | 0 | 18 |
| FY2025 | 5 | $1.2M | $236K | 0 | 57 |
| FY2024 | 1 | — | — | 0 | 19 |
| FY2023 | 4 | $1.2M | $309K | 0 | 38 |
| FY2022 | 1 | — | — | 0 | 11 |
| FY2021 | 7 | $1.9M | $267K | 0 | 69 |
| FY2020 | 3 | $1.1M | $365K | 0 | 21 |
| FY2019 | 6 | $1.2M | $197K | 0 | 43 |
| FY2018 | 8 | $1.5M | $186K | 0 | 88 |
| FY2017 | 5 | $1.2M | $248K | 0 | 56 |
| FY2016 | 6 | $825K | $138K | 0 | 61 |
SBA's franchise field lists the brand as "ENVIRO-MASTER SERVICES"; "Enviro-Master Services". Codes SBA has used for the same brand name are added together.
Charge-off cohort rate
| Loans approved FY2010–FY2021 | Enviro-Master Services | All SBA loans |
|---|---|---|
| Approvals in these years | 41 | 725,496 |
| Cancelled or never disbursed | 0 | 91,827 |
| Disbursed loans | 41 | 633,669 |
| Paid in full | 22 | 471,304 |
| Charged off | 2 | 37,796 |
| Still outstanding (status exempt from disclosure) | 17 | 124,569 |
| Charged off, share of disbursed loans | 4.9% | 6.0% |
| Dollars charged off, share of disbursed dollars | 5.9% | 2.2% |
| Dollars charged off | $505K | $6.20bn |
Lenders
| # | Lender, FY2021–FY2025 | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | United Midwest Savings Bank National AssociationDe Graff, OH | 4 | $600K | 22.2% | |
| 2 | The Huntington National BankColumbus, OH | 3 | $1.0M | 16.7% | |
| 3 | HomeTrust BankAsheville, NC | 2 | — | 11.1% | |
| 4 | Old National BankEvansville, IN | 2 | — | 11.1% | |
| 5 | KeyBank National AssociationCleveland, OH | 2 | — | 11.1% | |
| 6 | First BankSouthern Pines, NC | 1 | — | 5.6% | |
| 7 | Wells Fargo Bank National AssociationSioux Falls, SD | 1 | — | 5.6% | |
| 8 | Leader Bank, National AssociationArlington, MA | 1 | — | 5.6% | |
| 9 | Readycap Lending, LLCBerkeley Heights, NJ | 1 | — | 5.6% | |
| 10 | First Bank of the LakeOsage Beach, MO | 1 | — | 5.6% |
States
| # | State of the business, FY2021–FY2025 | Approvals | Share | |
|---|---|---|---|---|
| 1 | California | 3 | 16.7% | |
| 2 | Georgia | 2 | 11.1% | |
| 3 | Arizona | 2 | 11.1% | |
| 4 | Michigan | 2 | 11.1% | |
| 5 | Washington | 2 | 11.1% | |
| 6 | Virginia | 2 | 11.1% | |
| 7 | Illinois | 1 | 5.6% | |
| 8 | Kansas | 1 | 5.6% | |
| 9 | Massachusetts | 1 | 5.6% | |
| 10 | New York | 1 | 5.6% | |
| 11 | Alabama | 1 | 5.6% |
Filed under
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Services to Buildings and DwellingsNAICS 5617 | 18 | 100.0% |
Approval sizes
- $50,000 or less5.6%1
- $50,001 to $150,00033.3%6
- $150,001 to $350,00033.3%6
- $350,001 to $1 million27.8%5
Age of the businesses
- Existing, more than 2 years old11.1%2
- New business, 2 years or less11.1%2
- Startup, loan funds will open the business55.6%10
- Change of ownership22.2%4
Questions and answers
How many SBA loans go to Enviro-Master Services franchises?
54 approvals since FY2014, worth $12.2M; 18 in FY2021 to FY2025.
Which lenders make SBA loans for Enviro-Master Services franchises?
By approvals in FY2021 to FY2025: United Midwest Savings Bank National Association (4), The Huntington National Bank (3), HomeTrust Bank (2), Old National Bank (2), KeyBank National Association (2).
How large is a typical SBA loan for a Enviro-Master Services franchise?
The average approval in FY2021 to FY2025 was $284K.
What share of Enviro-Master Services SBA loans are charged off?
Of 41 disbursed loans approved in FY2010 to FY2021, 2 (4.9%) are recorded as charged off; for all SBA loans from those years the figure is 6.0%.
Are SBA loans to Enviro-Master Services franchises rising?
Approvals in the three latest complete fiscal years total 10, against 11 in the three before: broadly level (-9%).
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error