Surface Doctors
The total investment to open a Surface Doctors franchise ranges from $17,240 to $50,800.
What is the Surface Doctors franchise?
Surface Doctors is a surface repair and restoration business for homeowners and home builders. The estimated total initial investment to open is $17,240 to $50,800.
The brand is headquartered in NC.
Loan Activity Score
32/100
SBA Default Rate
33.3%
Active Lenders
8
According to its Franchise Disclosure Document or public business records, Surface Doctors has 6 locations, all owned by franchisees. Public SBA loan records show 8 lenders made 9 loans to franchisees of Surface Doctors. PeerSense calculates Surface Doctors's score as 32 out of 100, using public SBA loan performance and recent lending activity.
6 locations
$17,240 to $50,800
6
6 franchised
Proprietary PeerSense metric
LimitedDistinct lenders in public SBA records for Surface Doctors
9
Total SBA loans
$34K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Surface Doctors
Loan Activity Score Breakdown
Emerging (3 to 9 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
33.3%
vs 15.2% peer avg
SBA Loans
9
Total Volume
$0.3M
Active Lenders
8
1 selective
States
8
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 Surface Doctors based on SBA lending data
SBA Default Rate
33.3%
18.1% above peer avg
SBA Loan Volume
9 loans
Across 8 lenders
Lender Diversity
8 lenders
Avg 1.1 loans per lender
Investment Tier
Low cost entry
$17,240 to $50,800 total
Surface Doctors: 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
1995
5 approvals. The best year on record for Surface Doctors.
Top SBA State
North Carolina
2 SBA financed Surface Doctors locations, the densest operator footprint.
Average Loan Size
$34K
Median $33K. Use as a sizing anchor when modeling your own Surface Doctors unit.
Lender Concentration
44.4%
Concentrated
Share of Surface Doctors approvals captured by the top 3 SBA lenders.
Surface Doctors's SBA lending pipeline peaked in 1995 (5 approvals). Operator density is highest in North Carolina with 2 SBA financed locations. Average funded ticket sits at $34K, with the median at $33K. Lender mix is concentrated: the top three SBA lenders account for 44.4% of approvals. Credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$178
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
Surface Doctors, unit breakdown
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Reviewed by Edward L. Freeman, Founder and Managing Director, PeerSense
- PeerSense is a capital advisory firm that places commercial financing with direct capital sources; 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