Restoration 1
The total investment to open a Restoration 1 franchise ranges from $39,600 to $508,900. The initial franchise fee is $41,000. Ongoing royalties are 3.5% plus a 3% advertising fee.
What is the Restoration 1 franchise?
Restoration 1 provides home restoration services for customers dealing with water, fire, smoke or mold damage. The estimated total initial investment is $39,600 to $508,900, and the initial franchise fee is $41,000, according to the 2025 Franchise Disclosure Document.
The royalty is 3.5 percent of sales. Liquid capital of $100,000 and a net worth of $150,000 are required.
The company is headquartered in Irvine, California.
Loan Activity Score
69/100
SBA Default Rate
6.8%
Active Lenders
27
According to its Franchise Disclosure Document or public business records, Restoration 1 has 85 locations, all owned by franchisees. Public SBA loan records show 27 lenders made 88 loans to franchisees of Restoration 1. PeerSense calculates Restoration 1's score as 69 out of 100, using public SBA loan performance and recent lending activity. Cost figures are based on the 2025 Franchise Disclosure Document.
Franchising since 2008 · 85 locations
$39,600 to $508,900
$41,000
85
85 franchised
Proprietary PeerSense metric
StrongDistinct lenders in public SBA records for Restoration 1
88
Total SBA loans
$252K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Restoration 1
Loan Activity Score Breakdown
Established (25 to 99 loans)
Are lenders increasingly or decreasingly funding this brand? Growing trends score highest.
Blended default rate (recent + all time) compared to NAICS sector peers.
Quality lenders actively backing this brand, with penalty for lender pullback.
FDD availability, Item 19 disclosure, and overall data completeness.
Geographic spread of SBA funded locations across states.
SBA Lending Performance
SBA Default Rate
6.8%
vs 7.6% peer avg
SBA Loans
88
Total Volume
$22.2M
Active Lenders
27
6 selective
States
27
vs. SBA Sector Average
SBA loan default rate vs. all franchises in the same NAICS sector, not limited to direct competitors
Key Highlights
Franchise Financing Resources
Data Insights
Key performance metrics for Restoration 1 based on SBA lending data
SBA Default Rate
6.8%
0.8% below peer avg
SBA Loan Volume
88 loans
Across 27 lenders
Lender Diversity
27 lenders
Avg 3.3 loans per lender
Investment Tier
Mid range investment
$39,600 to $508,900 total
Restoration 1: Deep SBA Data
Brand specific metrics derived directly from SBA 7(a) approval records: peak lending year, leading state, average loan size, and lender concentration. PeerSense computes these per brand so capital advisors and prospective franchisees can benchmark this opportunity against the rest of the franchise universe.
Peak SBA Year
2018
16 approvals. The best year on record for Restoration 1.
Top SBA State
California
10 SBA financed Restoration 1 locations, the densest operator footprint.
Average Loan Size
$252K
Median $150K. Use as a sizing anchor when modeling your own Restoration 1 unit.
Lender Concentration
52.3%
Concentrated
Share of Restoration 1 approvals captured by the top 3 SBA lenders.
Restoration 1's SBA lending pipeline peaked in 2018 (16 approvals). The last five fiscal years account for 57% of cumulative volume ($17M approved). Operator density is highest in California with 10 SBA financed locations. Average funded ticket sits at $252K, with the median at $150K. Lender mix is concentrated: the top three SBA lenders account for 52.3% of approvals. Credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$410
Principal & Interest only
Indicative only, as of October 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense sources the file. The lender sets pricing. What these terms mean.
Locations
Restoration 1, unit breakdown
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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