60 SBA loans have financed Roto Rooter locations since 1991, written by 40 different lenders across 22 states. Half were approved for $151K or less, the mix is almost entirely 7(a), and 18% went to owners whose business was under two years old.
A lender that has already underwritten this brand knows the unit economics, the build-out costs, and the franchisor. That is worth more to you than a bigger bank starting from scratch.