INSOUTH Bank SERVPRO SBA Loans in Tennessee — 3 Funded
Tennessee loan data 2003–2008 · Updated May 2026
INSOUTH Bank has funded 3 SBA loans to SERVPRO franchisees in Tennessee, totaling $1.7M in approved financing across 3 cities and 2 congressional districts.
The average SERVPRO loan in Tennessee from INSOUTH Bank is $581K, with terms averaging 115 months. The Tennessee default rate is 33.3% based on 3 resolved loans. Tennessee represents 100.0% of INSOUTH Bank's total SERVPRO lending nationally. These loans collectively support 13 Tennessee jobs. SBA-guaranteed portion totals $1.3M (75% of approved volume).
Looking to fund a SERVPRO franchise in Tennessee?
INSOUTH Bank is one of 3+ lenders who have funded SERVPRO in Tennessee. We can help you compare options and connect with lenders experienced in this brand and state — no retainers, referral fee at closing.
INSOUTH Bank SERVPRO Loan Performance in Tennessee
Based on 3 SBA loans originated by INSOUTH Bank for SERVPRO franchisees with Tennessee addresses, the Tennessee-specific lending relationship spans 2003–2008. Of 3 resolved Tennessee loans, 2 were paid in full and 1 resulted in chargeoffs.
The Tennessee loan size range extends from $307K to $1.1M, indicating INSOUTH Bank funds both smaller single-unit SERVPRO operations and larger multi-unit or renovation projects in Tennessee. Each loan supports an average of 13 jobs in the local economy, and the portfolio collectively supports 13 Tennessee jobs. Most Tennessee SERVPRO loans from INSOUTH Bank are classified under "Other Services to Buildings and Dwellings" (NAICS).
Recent activity: INSOUTH Bank has originated 0 SERVPRO Tennessee loans in the last 2 fiscal years. The most recent SERVPRO Tennessee approval recorded is from FY2008. Note: lack of recent activity may indicate INSOUTH Bank has paused, slowed, or exited SERVPRO Tennessee lending — borrowers should verify current appetite directly.
SBA guarantee profile: The SBA-guaranteed portion of INSOUTH Bank's SERVPRO Tennessee loans averages 75% of approved volume, totaling $1.3M in federally-backed exposure. 7(a) loans typically carry a 75-85% guarantee, so a higher percentage suggests a smaller-loan/SBA Express mix; lower suggests larger PLP deals where the lender retains more risk.
The 33.3% Tennessee default rate is above the SBA portfolio average. This may reflect local market conditions, the specific Tennessee cities funded, or the economic cycle when these loans originated. Prospective borrowers should compare this to other Tennessee lenders who have funded SERVPRO (shown below) and consider multiple options before committing.
SBA Programs Used for SERVPRO Loans in Tennessee
| Program | Loans | Avg Size | Avg Rate | Avg Term |
|---|---|---|---|---|
| SBA 7A | 3 | $581K | N/A | 115 mo |
SERVPRO Loan Size Distribution from INSOUTH Bank in Tennessee
How INSOUTH Bank's SERVPRO Tennessee loan sizes break down by deal size. Useful for sizing your own deal: where do most Tennessee SERVPRO approvals land?
| Loan Size Range | Loans | Avg Loan Size | % of Tennessee Loans |
|---|---|---|---|
| $150K-$350K | 1 | $307K | 33% |
| $350K-$750K | 1 | $376K | 33% |
| $750K-$1.5M | 1 | $1.1M | 33% |
How INSOUTH Bank Originates SERVPRO Loans in Tennessee
SBA delivery method matters: Preferred Lenders Program (PLP) closes 2-3 weeks faster than General Processing because the lender holds full credit authority. INSOUTH Bank uses 2 different Tennessee delivery methods for SERVPRO:
| Delivery Method | Loans | Avg Loan Size |
|---|---|---|
| 7a General | 2 | $684K |
| Certified Lenders Program | 1 | $376K |
Where in Tennessee INSOUTH Bank Funds SERVPRO Locations
| City | Loans | Avg Loan Size | Total Volume | Default Rate |
|---|---|---|---|---|
| Franlin | 1 | $376K | $376K | 0% — Low Risk |
| Clarksville | 1 | $1.1M | $1.1M | 100% — High Risk |
| Franklin | 1 | $307K | $307K | 0% — Low Risk |
INSOUTH Bank's strongest SERVPRO lending presence in Tennessee is concentrated in Franlin (1 loans), Clarksville (1 loans), Franklin (1 loans).
INSOUTH Bank SERVPRO Lending in Tennessee Over Time
| Year | Loans | Avg Size | Total Volume | Avg Rate |
|---|---|---|---|---|
| 2008 | 1 | $307K | $307K | — |
| 2005 | 1 | $1.1M | $1.1M | — |
| 2003 | 1 | $376K | $376K | — |
Other Lenders That Fund SERVPRO in Tennessee
INSOUTH Bank is not the only lender funding SERVPRO in Tennessee. Compare 2 other banks who have originated SERVPRO SBA loans to Tennessee borrowers.
| Lender | Tennessee Loans | Avg Size | Default Rate |
|---|---|---|---|
| INSOUTH Bank (this page) | 3 | $581K | 33.3% — High Risk |
| Simmons Bank | 3 | $564K | 0% — Low Risk |
| Truist Bank | 2 | $280K | 0% — Low Risk |
How to Get an SBA Loan for a SERVPRO Franchise in Tennessee
If you're considering a SERVPRO franchise in Tennessee and want to finance through INSOUTH Bank or another SBA lender, here's what you need to know based on our analysis of 3 historical Tennessee 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 Tennessee Lenders
3 lenders have funded SERVPRO in Tennessee. 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 Tennessee 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 Tennessee historical data: The average SERVPRO SBA loan from INSOUTH Bank in Tennessee is $581K with a 115-month term.Tennessee loan amounts range from $307K to $1.1M.
Ready to Fund Your SERVPRO Franchise in Tennessee?
We connect you with lenders who have already funded SERVPRO in Tennessee — so you can compare terms and close with confidence. No retainers. Referral fee paid at closing.