{"ok":true,"canonical_url":"https://dealroom.so/franchises/gotcha-covered","api_url":"https://dealroom.so/api/public/franchises/gotcha-covered","data_freshness":{"sba_records_through":"2026-05-31","fdic_records_through":"2026-03-31","dealroom_last_updated":"2026-06-15","timezone":"America/Chicago"},"methodology":{"label":"Franchise financing & failure-rate methodology","url":"https://dealroom.so/methodology/franchise-risk"},"source_summary":["Public SBA 7(a) loan records","FDIC institution data","DealRoom lender and franchise enrichment"],"franchise":{"brand":"Gotcha Covered","slug":"gotcha-covered","url":"https://dealroom.so/franchises/gotcha-covered","sbaLoansSince2020":38,"businessPurchases":0,"typicalDeal":150000,"dealRange25th75th":[115000,150000],"avgRatePct":9.16,"failureRatePct":5.26,"loansSinceFY2025":9,"topLenders":[{"name":"United Midwest Savings Bank National Association","count":28,"url":"https://dealroom.so/lenders/united-midwest-savings-bank-national-association"},{"name":"The Huntington National Bank","count":2,"url":"https://dealroom.so/lenders/the-huntington-national-bank"},{"name":"Readycap Lending, LLC","count":2,"url":"https://dealroom.so/lenders/readycap-lending-llc"},{"name":"Magnifi Financial CU","count":1,"url":"https://dealroom.so/lenders/magnifi-financial-cu"},{"name":"First Bank of the Lake","count":1,"url":"https://dealroom.so/lenders/first-bank-of-the-lake"}],"topStates":[{"count":6,"state":"FL"},{"count":6,"state":"TX"},{"count":4,"state":"GA"},{"count":3,"state":"NC"},{"count":2,"state":"PA"},{"count":2,"state":"MN"},{"count":2,"state":"VA"},{"count":1,"state":"TN"}],"recentDeals":[{"borrower":"Volk Window Treatments LLC dba Gotcha Covered North Twin Cities","city":"Ramsey","state":"MN","amount":200000,"fiscalYear":2026,"businessPurchase":false,"lender":"United Midwest Savings Bank National Association"},{"borrower":"Wilbur Holdings LLC","city":"Evans","state":"GA","amount":150000,"fiscalYear":2026,"businessPurchase":false,"lender":"United Midwest Savings Bank National Association"},{"borrower":"Grason Ventures, LLC","city":"Maumee","state":"OH","amount":150000,"fiscalYear":2026,"businessPurchase":false,"lender":"United Midwest Savings Bank National Association"},{"borrower":"Cornerstone Family Ventures LLC","city":"Chesapeake","state":"VA","amount":150000,"fiscalYear":2026,"businessPurchase":false,"lender":"United Midwest Savings Bank National Association"},{"borrower":"Royal View LLC","city":"Chicago","state":"IL","amount":150000,"fiscalYear":2025,"businessPurchase":false,"lender":"Magnifi Financial CU"},{"borrower":"McCormack Ventures, LLC dba Gotcha Covered of Braselton","city":"Buford","state":"GA","amount":150000,"fiscalYear":2025,"businessPurchase":false,"lender":"United Midwest Savings Bank National Association"},{"borrower":"SHANE ENTERPRISES LLC dba GOTCHACOVERED OF FORT WAYNE","city":"Fort Wayne","state":"IN","amount":150000,"fiscalYear":2025,"businessPurchase":false,"lender":"United Midwest Savings Bank National Association"},{"borrower":"Gotcha Covered Clark County","city":"Vancouver","state":"WA","amount":125000,"fiscalYear":2025,"businessPurchase":false,"lender":"Readycap Lending, LLC"},{"borrower":"Gotcha Covered of Clayton","city":"Knightdale","state":"NC","amount":116000,"fiscalYear":2025,"businessPurchase":false,"lender":"First Bank of the Lake"},{"borrower":"COVER CREATIONS, LLC. dba GOTCHA COVERED","city":"Saint Augustine","state":"FL","amount":150000,"fiscalYear":2024,"businessPurchase":false,"lender":"United Midwest Savings Bank National Association"}]},"caveats":["DealRoom data is market intelligence, not a credit decision or SBA eligibility determination.","Final lender fit depends on SBA eligibility, borrower strength, collateral, cash flow, guarantors, and lender policy."],"citation":{"label":"DealRoom franchise financing record","url":"https://dealroom.so/franchises/gotcha-covered","source_type":"DealRoom Data"}}