Franchise brands › The Brothers that just do Gutters
Franchise brand83 approvals since FY2019
SBA loans to The Brothers that just do Gutters 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 83 loan approvals since FY2019 under the The Brothers that just do Gutters franchise brand, worth $15.7M; 72 of them came in FY2021 to FY2025.
In FY2025 there were 8. The average approval in the five-year window was $181K, and 1 of the approvals were 504 loans.
18 lenders made the FY2021 to FY2025 loans across 27 states; the most active were The Huntington National Bank (30), United Midwest Savings Bank National Association (13) and First Bank of the Lake (11).
These are loans to independent franchise owners, not to 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* | 9 | $2.6M | $288K | 0 | 38 |
| FY2025 | 8 | $2.2M | $270K | 0 | 69 |
| FY2024 | 9 | $1.8M | $196K | 0 | 51 |
| FY2023 | 11 | $2.0M | $183K | 0 | 94 |
| FY2022 | 31 | $4.8M | $156K | 0 | 307 |
| FY2021 | 13 | $2.3M | $176K | 1 | 74 |
| FY2020 | 0 | — | — | 0 | 0 |
| FY2019 | 2 | — | — | 0 | 14 |
| FY2018 | 0 | — | — | 0 | 0 |
| FY2017 | 0 | — | — | 0 | 0 |
| FY2016 | 0 | — | — | 0 | 0 |
SBA's franchise field lists the brand as "The Brothers that just do Gutters". Codes SBA has used for the same brand name are added together.
Charge-off cohort rate
| Loans approved FY2010–FY2021 | The Brothers that just do Gutters | All SBA loans |
|---|---|---|
| Approvals in these years | 15 | 725,496 |
| Cancelled or never disbursed | 3 | 91,827 |
| Disbursed loans | 12 | 633,669 |
| Paid in full | 2 | 471,304 |
| Charged off | 2 | 37,796 |
| Still outstanding (status exempt from disclosure) | 8 | 124,569 |
| Charged off, share of disbursed loans | too few loans | 6.0% |
| Dollars charged off, share of disbursed dollars | too few loans | 2.2% |
| Dollars charged off | — | $6.20bn |
Lenders
| # | Lender, FY2021–FY2025 | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | The Huntington National BankColumbus, OH | 30 | $4.9M | 41.7% | |
| 2 | United Midwest Savings Bank National AssociationDe Graff, OH | 13 | $1.9M | 18.1% | |
| 3 | First Bank of the LakeOsage Beach, MO | 11 | $2.8M | 15.3% | |
| 4 | KeyBank National AssociationCleveland, OH | 2 | — | 2.8% | |
| 5 | Hancock Whitney BankGulfport, MS | 2 | — | 2.8% | |
| 6 | Eastern BankBoston, MA | 2 | — | 2.8% | |
| 7 | South Eastern Economic Development Company of PennsylvaniaExton, PA · CDC | 1 | — | 1.4% | |
| 8 | Heritage Federal Credit UnionNewburgh, IN | 1 | — | 1.4% | |
| 9 | Bank of LuxemburgLuxemburg, WI | 1 | — | 1.4% | |
| 10 | The Fidelity BankFuquay Varina, NC | 1 | — | 1.4% | |
| 11 | U.S. Bank, National AssociationCincinnati, OH | 1 | — | 1.4% | |
| 12 | Readycap Lending, LLCBerkeley Heights, NJ | 1 | — | 1.4% | |
| 13 | Zions Bank, A Division ofSalt Lake City, UT | 1 | — | 1.4% | |
| 14 | Hanover Community BankMineola, NY | 1 | — | 1.4% | |
| 15 | Union Bank and Trust CompanyLincoln, NE | 1 | — | 1.4% |
States
| # | State of the business, FY2021–FY2025 | Approvals | Share | |
|---|---|---|---|---|
| 1 | Texas | 11 | 15.3% | |
| 2 | Florida | 8 | 11.1% | |
| 3 | Minnesota | 6 | 8.3% | |
| 4 | Ohio | 6 | 8.3% | |
| 5 | Indiana | 4 | 5.6% | |
| 6 | Pennsylvania | 3 | 4.2% | |
| 7 | Colorado | 3 | 4.2% | |
| 8 | Georgia | 3 | 4.2% | |
| 9 | New York | 3 | 4.2% | |
| 10 | Maryland | 2 | 2.8% | |
| 11 | California | 2 | 2.8% | |
| 12 | North Carolina | 2 | 2.8% | |
| 13 | Missouri | 2 | 2.8% | |
| 14 | Tennessee | 2 | 2.8% | |
| 15 | New Hampshire | 2 | 2.8% |
Filed under
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Foundation, Structure, and Building Exterior ContractorsNAICS 2381 | 49 | 68.1% | |
| 2 | Services to Buildings and DwellingsNAICS 5617 | 6 | 8.3% | |
| 3 | Building Finishing ContractorsNAICS 2383 | 6 | 8.3% | |
| 4 | Other Specialty Trade ContractorsNAICS 2389 | 5 | 6.9% | |
| 5 | Other Professional, Scientific, and Technical ServicesNAICS 5419 | 2 | 2.8% |
Approval sizes
- $50,000 or less25.0%18
- $50,001 to $150,00026.4%19
- $150,001 to $350,00041.7%30
- $350,001 to $1 million6.9%5
Age of the businesses
- Existing, more than 2 years old2.8%2
- New business, 2 years or less9.7%7
- Startup, loan funds will open the business86.1%62
- Change of ownership1.4%1
Questions and answers
How many SBA loans go to The Brothers that just do Gutters franchises?
83 approvals since FY2019, worth $15.7M; 72 in FY2021 to FY2025.
Which lenders make SBA loans for The Brothers that just do Gutters franchises?
By approvals in FY2021 to FY2025: The Huntington National Bank (30), United Midwest Savings Bank National Association (13), First Bank of the Lake (11), KeyBank National Association (2), Hancock Whitney Bank (2).
How large is a typical SBA loan for a The Brothers that just do Gutters franchise?
The average approval in FY2021 to FY2025 was $181K.
What share of The Brothers that just do Gutters SBA loans are charged off?
There are fewer than 30 disbursed loans from the matured approval years, too few for a rate.
Are SBA loans to The Brothers that just do Gutters franchises rising?
Approvals in the three latest complete fiscal years total 28, against 44 in the three before: falling (-36%).
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