USA Insulation
The total investment to open a USA Insulation franchise ranges from $265,500 to $410,000. The initial franchise fee is $50,000. Ongoing royalties are 5% plus a 2% advertising fee.
What is the USA Insulation franchise?
USA Insulation installs insulation in homes for homeowners. The 2026 Franchise Disclosure Document lists an estimated total initial investment of $265,500 to $410,000 and an initial franchise fee of $50,000.
The royalty is 5 percent of sales, and the advertising or brand fund fee is 2 percent. The required net worth matches the initial franchise fee.
The franchise agreement lasts 10 years. USA Insulation was founded in 1985 and is headquartered in Cleveland, OH.
Loan Activity Score
75/100
SBA Default Rate
2.8%
Active Lenders
12
According to its Franchise Disclosure Document or public business records, USA Insulation has 25 locations, all owned by franchisees. Public SBA loan records show 12 lenders made 36 loans to franchisees of USA Insulation. PeerSense calculates USA Insulation's score as 75 out of 100, using public SBA loan performance and recent lending activity. Cost figures are based on the 2026 Franchise Disclosure Document.
Franchising since 1985 · 25 locations
$265,500 to $410,000
$50,000
25
25 franchised
Proprietary PeerSense metric
StrongDistinct lenders in public SBA records for USA Insulation
36
Total SBA loans
$270K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for USA Insulation
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
2.8%
vs 13.7% peer avg
SBA Loans
36
Total Volume
$9.7M
Active Lenders
12
4 selective
States
16
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 USA Insulation based on SBA lending data
SBA Default Rate
2.8%
10.9% below peer avg
SBA Loan Volume
36 loans
Across 12 lenders
Lender Diversity
12 lenders
Avg 3.0 loans per lender
Investment Tier
Significant investment
$265,500 to $410,000 total
Payment Estimator
Estimated Monthly Payment
$2,748
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
USA Insulation, 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