¢
BIZBITE

Chimney Sweep & Inspection

Mary Poppins energy. Steady cash flow.

Bottom line

Strong cash-flow candidate with manageable operations.

Chimney sweeping has quietly become a high-demand compliance business. The National Fire Protection Association (NFPA 211) recommends annual chimney inspections, and most homeowner's insurance policies require documented chimney inspections before covering fireplace-related claims. With 50+ million wood-burning fireplaces in the US and gas fireplace permits surging since 2020, demand is structurally growing. Sweeps charge $150-$350 per inspection — and 80%+ of first-time customers rebook annually.

Acquisition score
Margin · multiple · SBA data
70Strong
Avg revenue
$220K/yr
$80K–$500K range
Profit margin
40%
~$88K SDE
Multiple
1.5–3.5×
of SDE
Est. buy price
$132K–$308K
startup: $8K–$40K

How It Works

You inspect and clean fireplaces, wood stoves, and flue systems for homeowners. A Level 1 inspection with sweep costs $150-$250. Level 2 inspections (required on home sales) run $250-$500. Repairs — relining flues, installing caps, fixing dampers — are high-margin add-ons averaging $500-$3,000. Most customers book annually, driven by insurance requirements and safety awareness. Fall is the peak season, but sales are year-round.

BizBite verdict

Worth underwriting

Chimney Sweep & Inspection has enough high-level data for a first look, but BizBite has not assigned a category-specific operating model yet. Treat the score as preliminary.

70Strong
medium data confidence · 52/100medium financing fit

Why it may work

  • +Attractive 40% estimated margin profile
  • +SBA dataset shows 67 recent comparable loans

Be careful

  • !Source link status has not been verified yet
  • !No last-checked date yet
  • !No category operating model yet

SBA 7(a) data

Real acquisitions in this category

Change-of-ownership loans · NAICS 561790 · Other Services to Buildings and Dwellings

Deals tracked
182
67 in last 24 mo
Median loan
$448K
$245K–$978K p25–p75
Implied deal size
$527K
median · ~85% LTV
Charge-off rate
not enough resolved loans

Deal size distribution

<$150K
23
$150K–500K
75
$500K–1M
40
$1M–2M
36
>$2M
8

Deal flow over time

12-month momentum
−13.9%
deal volume vs prior 12 mo
Median loan Δ
−51.7%
31 recent · 36 prior

Financing profile

Median rate
9.75%
9% fixed · last 24 mo
Median term
120 mo
standard 10-yr
Collateralized
0%
of loans secured
Median jobs
7
supported per deal
Top lenders in this space
Live Oak Banking Company23
The Huntington National Bank13
Customers Bank7
Stearns Bank National Association6
Columbia Bank5
Where deals happen
FL23
TX21
CA17
AZ11
OH9
CO8
WA6
IL6
KS5
MA5

Franchise vs independent

Franchised acquisitions finance at $350K median vs $471K for independents — a −26% franchise discount. Franchises make up 20% of deals tracked.

Recent comparable deals

ClosedStateLoanImplied deal
Mar 2026TX$350K$412K
Mar 2026NJ$1.2M$1.4M
Feb 2026LA$402K$473K
Feb 2026FL$55K$65K
Feb 2026FL$615K$723K
Feb 2026FL$50K$59K
Jan 2026TX$270K$318K
Jan 2026KS$171K$201K
Jan 2026FL$650K$765K
Jan 2026KS$211K$248K
Volume rank #44/544Deal-size rank #438/544Momentum rank #222p90 loan: $1.6MData as of Mar 2026

Source: SBA 7(a) FOIA dataset, filtered to acquisitions (loans where business age is "Change of Ownership"). Implied deal size assumes an 85% loan-to-purchase ratio, a common SBA change-of-ownership structure. Charge-off rate shown only when 10+ loans have resolved (paid in full or charged off). Interest rates reflect last 24 months only. Actual deal values vary with equity injections, seller financing, and working capital terms.

Deal Calculator

Priced off $88K SDE — can this deal service its own debt?

2.83×
DSCR · Lender-comfortable
Purchase multiple — 2.5× SDE ($220K)
Category range: 1.5×–3.5× SDE
Down payment — 10% ($22K)
SBA minimum equity injection is 10% for change-of-ownership
Interest rate — 9.75%
SBA median for this category: 9.8%
Loan term — 10 years
SBA median for this category: 120 months
Purchase price
$220K
2.5× of $88K SDE
Cash to close
$29K
$22K down + ~3% closing
Debt service
$3K/mo
$31K/yr on $198K loan
Cash-on-cash
199%
cash back in ~7 mo
Debt service coverage · what the lender sees
2.83×+$5K/mo after debt
Most SBA lenders want ≥1.25× coverage; 1.5×+ is a strong file.

SDE = revenue × margin estimate for this niche; it includes owner compensation, so budget your salary out of cash flow. Excludes working-capital injection, capex reserves, and taxes. Actual SBA terms vary by lender and borrower.

Pros

  • +Strong repeat business — insurance requirements drive annual rebooks
  • +High-margin repair upsells on nearly every job
  • +Low startup costs — a camera inspection system and brushes get you started
  • +Gas fireplace growth expanding the addressable market rapidly

Cons

  • -Seasonal revenue concentration in fall and early winter
  • -Physical work — confined spaces, soot, heights
  • -Certification (CSIA) adds credibility but requires training time

Best For

Operators who want a low-overhead service business with strong repeat rates and defensible local reputation

Operating Costs

Key costs include video inspection camera system ($1,500-$4,000), brushes and rods, a van, safety equipment, insurance, and CSIA certification training. Margins are 35-45% for solo operators after all costs.

Where to Buy

BizBuySell

Find chimney and home inspection service businesses for sale

CSIA (Chimney Safety Institute of America)

Industry directory and certification body with business listings

Get the full breakdown in your inbox

Weekly boring business breakdowns

One boring business. Real numbers. Every week. Free.

Buy a chimney sweep & inspection
via BizBuySell
See listings →