Capital One, National Association SERVPRO SBA Loans in New York — 4 Funded
New York loan data 2013–2023 · Updated April 2026
Capital One, National Association has funded 4 SBA loans to SERVPRO franchisees in New York, totaling $3.8M in approved financing across 4 cities.
The average SERVPRO loan in New York from Capital One, National Association is $951K at a 4.21% average interest rate, with terms averaging 171 months. The New York default rate is 0% based on 2 resolved loans — 33.3 points lower than Capital One, National Association's national SERVPRO default rate of 33.3%. New York represents 80.0% of Capital One, National Association's total SERVPRO lending nationally.
How New York Compares to Capital One, National Association's National SERVPRO Lending
Looking to fund a SERVPRO franchise in New York?
Capital One, National Association is one of 4+ lenders who have funded SERVPRO in New York. We can help you compare options and connect with lenders experienced in this brand and state — no retainers, referral fee at closing.
Capital One, National Association SERVPRO Loan Performance in New York
Based on 4 SBA loans originated by Capital One, National Association for SERVPRO franchisees with New York addresses, the New York-specific lending relationship spans 2013–2023. Of 2 resolved New York loans, 2 were paid in full and 0 resulted in chargeoffs.
The New York loan size range extends from $200K to $2.1M, indicating Capital One, National Association funds both smaller single-unit SERVPRO operations and larger multi-unit or renovation projects in New York. Each loan supports an average of 12 jobs in the local economy.
The 0% New York default rate is a strong indicator of loan quality. This suggestsCapital One, National Association has effective underwriting standards for SERVPRO deals in New York and/or New York SERVPRO franchisees have strong unit economics that support debt service. For prospective New York borrowers, this is an encouraging signal — Capital One, National Associationunderstands the SERVPRO business model in this market and has a track record of successful outcomes here.
SBA Programs Used for SERVPRO Loans in New York
| Program | Loans | Avg Size | Avg Rate | Avg Term |
|---|---|---|---|---|
| SBA 7A | 4 | $951K | 4.21% | 171 mo |
Where in New York Capital One, National Association Funds SERVPRO Locations
| City | Loans | Avg Loan Size | Total Volume | Default Rate |
|---|---|---|---|---|
| Fresh Meadows | 1 | $841K | $841K | N/A |
| Deer Park | 1 | $643K | $643K | 0% — Low Risk |
| Southampton | 1 | $2.1M | $2.1M | N/A |
| Mount Vernon | 1 | $200K | $200K | 0% — Low Risk |
Capital One, National Association's strongest SERVPRO lending presence in New York is concentrated in Fresh Meadows (1 loans), Deer Park (1 loans), Southampton (1 loans).
Capital One, National Association SERVPRO Lending in New York Over Time
| Year | Loans | Avg Size | Total Volume | Avg Rate |
|---|---|---|---|---|
| 2023 | 1 | $841K | $841K | 5.18% |
| 2022 | 1 | $2.1M | $2.1M | 3.99% |
| 2019 | 1 | $643K | $643K | 4.67% |
| 2013 | 1 | $200K | $200K | 3% |
Other Lenders That Fund SERVPRO in New York
Capital One, National Association is not the only lender funding SERVPRO in New York. Compare 3 other banks who have originated SERVPRO SBA loans to New York borrowers.
| Lender | New York Loans | Avg Size | Default Rate |
|---|---|---|---|
| Capital One, National Association (this page) | 4 | $951K | 0% — Low Risk |
| Manufacturers and Traders Trust Company | 3 | $138K | 0% — Low Risk |
| Bank of America, National Association | 2 | $34K | 100% — High Risk |
| Solvay Bank | 2 | $110K | 0% — Low Risk |
Other Franchises Capital One, National Association Funds in New York
Capital One, National Association is active in New York franchise lending beyond SERVPRO. Other New York franchise brands they have funded:
How to Get an SBA Loan for a SERVPRO Franchise in New York
If you're considering a SERVPRO franchise in New York and want to finance through Capital One, National Association or another SBA lender, here's what you need to know based on our analysis of 4 historical New York loans.
Verify Your Qualifications
Most SBA franchise loans require a 680+ credit score, 20-30% down payment, and relevant industry or management experience.SERVPRO's franchise fee and total investment determine minimum capital requirements.
Compare New York Lenders
4 lenders have funded SERVPRO in New York. Lenders with more local SERVPRO experience typically close faster because they understand both the brand and the local market. Compare rates, default rates, and city coverage above.
Get Pre-Qualified
PeerSense matches New York borrowers with lenders who have a proven track record funding SERVPRO in your state. No retainers — our referral fee is paid at closing. Get matched in 24 hours.
Expected loan terms based on New York historical data: The average SERVPRO SBA loan from Capital One, National Association in New York is $951K with a 4.21% interest rate and a 171-month term.New York loan amounts range from $200K to $2.1M.
Ready to Fund Your SERVPRO Franchise in New York?
We connect you with lenders who have already funded SERVPRO in New York — so you can compare terms and close with confidence. No retainers. Referral fee paid at closing.