Surface Experts, by the numbers
Every figure below comes from real financed deals — what buyers paid, where, and how the loans performed.
SBA Franchise Directory: listed ✓ (identifier S3888)
41 deals since 2020 · typical deal $150K · 0% failure rate
41
Deals since 2020
$150K
Typical deal
17
Deals since FY2025
0%
Failure rate (FY20–23)
Surface Experts buyers almost always make it — a 0% failure rate puts it among the safest franchise bets on record.
What buyers pay for Surface Experts
Most Surface Experts deals financed between $150K and $177K. Above $177K, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $2,218
- Down payment (10%)
- $17K
- Cash to close (all-in)
- $21K
Estimates at today's rates and standard 7(a) terms. Not a loan offer.
Could you get the loan?
Three answers. No documents, no credit pull.
Credit score
Available cash (you'll need ~$21K)
Experience
Recent financings
- Heatherly Enterprises, LLC in Aubrey, TX — $300K (2026) · OptimumBank
- Program
- Preferred Lenders Program
- Rate at approval
- 10% variable
- Term
- 120 mo (10 yrs)