911 Restoration vs United Water Restoration Group
911 Restoration vs United Water Restoration Group: 911 Restoration costs $125K to $328K to open; United Water Restoration Group costs $155K to $582K. 911 Restoration has 330 units, United Water Restoration Group has 24. SBA loan history: 911 Restoration = 41 loans (0.0% default); United Water Restoration Group = 28 loans (3.6% default). The franchise with more SBA funded units, a lower SBA default rate, and a lower royalty load is the safer financing bet; see the comparison below.
911 Restoration vs United Water Restoration Group: Capital, Scale & Lending Analysis
Analysis based on FDD filings and SBA 7(a) loan level data. Each pairing reflects a unique combination of capital intensity, system scale, and financing path.
Capital Intensity
911 Restoration requires the lower minimum capital commitment ($125K vs $155K for United Water Restoration Group), a 19% spread. Initial franchise fees come in at $49K for 911 Restoration versus $49K for United Water Restoration Group. Ongoing royalty load is 9% for 911 Restoration and 6% for United Water Restoration Group, giving United Water Restoration Group the lighter per-unit drag on operating income.
System Scale & Tenure
On scale, 911 Restoration operates 330 units to United Water Restoration Group's 24, roughly 14× the system size. 911 Restoration has been operating 23 years (founded 2003) versus 18 for United Water Restoration Group (founded 2008), a 5-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
911 Restoration has the deeper SBA lending track record, with 41 7(a) approvals compared with 28 for United Water Restoration Group. 911 Restoration's peak SBA year was 2022 (8 loans); United Water Restoration Group's peak was 2025 (9 loans). United Water Restoration Group's more recent peak generally indicates fresher lender appetite. 911 Restoration has the most SBA funded units in TX, with 6. United Water Restoration Group leads in FL, with 6. Borrowers should pick the brand whose strongest SBA state matches their own state for warmer lender introductions. Average SBA loan size on funded 911 Restoration deals is $403K vs $327K for United Water Restoration Group, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 0.0% for 911 Restoration and 3.6% for United Water Restoration Group, 911 Restoration has the cleaner SBA loss record by 3.6 points. PeerSense FPI scores come in at 75 (Strong) for 911 Restoration and 79 (Strong) for United Water Restoration Group, giving United Water Restoration Group the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 75/100 | 79/100 |
Health Tier | Strong | Strong |
Confidence | N/A | N/A |
Lending Trend | Stable | Growing |
SBA Lending
SBA Loans | 41 | 28 |
SBA Volume | – | – |
Default Rate | 0.0% | 3.6% |
Peer Tier | established | established |
Investment & Costs
Total Investment | $125K to $328K | $155K to $582K |
Franchise Fee | $49K | $49K |
Royalty Rate | 9% | 6% |
Ad Fund | 1% | N/A |
Liquid Capital | N/A | $50K |
Net Worth Required | N/A | $150K |
Financial Performance (Item 19)
Item 19 Status | Disclosed | Disclosed |
System Size & Operations
Total Units | 330 | 24 |
Franchised Units | 326 | 24 |
Company Owned | 4 | – |
Term Length | 7 yrs | N/A |
Brand Information
Year Founded | 2003 | 2008 |
Franchising Since | 2007 | 2015 |
Years Franchising | 19 yrs | 11 yrs |
Headquarters | Los Angeles, CA | Melbourne, FL |
Category | Restoration Services | Restoration Services |
Website | ||
FDD Year | 2026 | 2025 |
Which Is Better, 911 Restoration or United Water Restoration Group?
Lower upfront capital required
911 Restoration
911 Restoration: $125K starting · United Water Restoration Group: $155K starting
More SBA lender confidence
911 Restoration
911 Restoration: 41 SBA loans · United Water Restoration Group: 28 SBA loans
Lower SBA default rate
911 Restoration
911 Restoration: 0.0% · United Water Restoration Group: 3.6%
Larger system & brand presence
911 Restoration
911 Restoration: 330 units · United Water Restoration Group: 24 units
Lower ongoing royalty load
United Water Restoration Group
911 Restoration: 9% · United Water Restoration Group: 6%
More lender financing options
911 Restoration
911 Restoration: 22 unique lenders · United Water Restoration Group: 12 unique lenders
Decision matrix uses publicly disclosed FDD and SBA loan data. Not a recommendation. Your best franchise depends on capital, market, operating capacity, and risk tolerance.
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About These Franchises
911 Restoration vs United Water Restoration Group: Franchise Funding Comparison
Comparing 911 Restoration and United Water Restoration Group is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $125K to $582K.
911 Restoration has 41 SBA loans on record and United Water Restoration Group has 28. Those totals are cumulative history rather than a measure of current appetite. Both brands have an established underwriting path, though the lender that fits a specific deal still depends on its size, location and the buyer.
SBA 7(a) loans are the most common franchise funding vehicle, offering up to $5M with as little as 10% down. PeerSense connects franchise buyers with the specific lenders who have approved loans for these brands, not generic referrals, but lenders with actual franchise lending track records.
Data sourced from SBA loan records, Franchise Disclosure Documents, and public filings. Updated regularly. Not financial advice, consult with a lending professional before making investment decisions.
911 Restoration vs United Water Restoration Group, Frequently Asked Questions
Which is a better franchise investment, 911 Restoration or United Water Restoration Group?
How much does a 911 Restoration franchise cost compared to United Water Restoration Group?
Can I finance 911 Restoration or United Water Restoration Group with an SBA loan?
Which has a lower SBA default rate, 911 Restoration or United Water Restoration Group?
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Page Review
Reviewed by Edward L. Freeman, Founder and Managing Director, PeerSense
- PeerSense is a capital advisory firm that places commercial financing with direct capital sources; it does not lend, fund, or approve loans, and the capital source sets final terms.
- Edward L. Freeman founded PeerSense in January 2020.
- He is a Registered Franchise Consultant with Business Alliance, Inc., a credential issued in March 2022, and worked as a franchise consultant there from March 2022 to May 2023.
- His recorded experience includes a $22 million SBA construction loan, with about $16 million funded on the deal.
- In the 12 months through September 30, 2026, PeerSense tracked 912 publicly announced financings with a disclosed size of $361.32 billion. PeerSense Capital Data Report · Methodology page
Last reviewed LinkedIn profileAbout Edward Freeman