Surface Specialists Systems
The total investment to open a Surface Specialists Systems franchise ranges from $43,200 to $56,000. The initial franchise fee is $21,000. Ongoing royalties are 5% plus a 1% advertising fee.
What is the Surface Specialists Systems franchise?
Surface Specialists Systems offers on site repair and refinishing of kitchen and bathroom surfaces for homeowners, with estimated total initial investment of $43,200 to $56,000. The initial franchise fee is $21,000, according to the 2026 Franchise Disclosure Document.
The royalty is 5 percent of sales, and the advertising fund fee is 1 percent. The franchise agreement term is 10 years.
The company was founded in 1981 and is headquartered in Matthews, NC.
According to its Franchise Disclosure Document or public business records, Surface Specialists Systems has 47 locations. Cost figures are based on the 2026 Franchise Disclosure Document. To correct a figure, email the current FDD and the differing item numbers to info@peersense.com, and this page will be updated.
Franchising since 1981 · 47 locations
$43,200 to $56,000
$21,000
47
SBA Lending Activity for Surface Specialists Systems
Loan Activity Score
This franchise has not yet been scored by the Franchise Performance Index. Scores are calculated based on public FDD data, SBA loan performance, and system level metrics.
Key Highlights
Franchise Financing Resources
Data Insights
Key performance metrics for Surface Specialists Systems based on SBA lending data
Investment Tier
Low cost entry
$43,200 to $56,000 total
Why Surface Specialists Systems Doesn't Appear in Public SBA Data
The SBA 7(a) program publishes loan level data for every approved franchise borrower. Surface Specialists Systems does not currently appear in those public records, and that absence carries useful information for prospective franchisees evaluating this brand.
Likely explanations for the absence
- Low capital requirements (under $50K total) often fall below the typical SBA loan threshold, so operators self fund or use personal credit instead.
Absence from SBA records does not mean a brand is un fundable. It typically means the franchise system uses alternative capital sources, or that current franchisees self fund, secure conventional bank financing, or roll over equity from a prior business sale rather than going through an SBA guaranteed 7(a) loan. For prospective Surface Specialists Systems franchisees, the practical question is which financing path actually closes for this brand's profile.
Capital paths PeerSense places for home services & trades concepts
SBA 7(a) Loans
Vehicle, equipment, and working capital for home services operators.
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Equipment Financing
Trucks, fleet vehicles, and trade equipment for home services franchises.
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Invoice Factoring
Bridge cash flow on commercial accounts receivable.
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Franchise Partner Buyout Financing
Senior debt for buying out a partner in an existing territory.
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Payment Estimator
Estimated Monthly Payment
$447
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 Specialists Systems, unit breakdown
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Scan Your Deal Instantly1 FDD Available for Surface Specialists Systems
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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; 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