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BIZBITE

Gutter Cleaning & Guards

Six jobs a day, six months a year — the numbers work

Bottom line

Strong cash-flow candidate with manageable operations.

Gutter cleaning is one of the most underrated service businesses. It takes 30-60 minutes per house, charges $150-$350 per visit, and books itself on an annual cycle. The real money is the upsell: gutter guard installations at $1,500-$4,000 per home. Solo operators regularly earn $150K+ working alone, and the business scales easily with a second crew.

Acquisition score
Margin · multiple · SBA data
78Excellent
Avg revenue
$150K/yr
$60K–$350K range
Profit margin
50%
~$75K SDE
Multiple
1.5–2.5×
of SDE
Est. buy price
$113K–$188K
startup: $3K–$20K

How It Works

Customers book annually, usually in fall and spring. You clean debris from gutters, flush downspouts, and check for damage. Each house takes 30-60 minutes at $150-$350. Upsell gutter guard systems ($1,500-$4,000) to eliminate the need for future cleaning — high-margin installation jobs.

BizBite verdict

Contact broker

Gutter Cleaning & Guards maps to the Gutter Cleaning & Guards model. The category can work for acquisition buyers, but the right answer depends on source freshness, verified economics, and the specific red flags below.

78Excellent
medium data confidence · 72/100weak financing fit

Why it may work

  • +Attractive 50% estimated margin profile
  • +SBA dataset shows 67 recent comparable loans
  • +5 clear operating upside levers identified

Be careful

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

Category operating model

Gutter Cleaning & Guards

medium labor
low capex
medium owner

Revenue drivers

  • Cleaning jobs sold by linear foot, story count, roof pitch, debris load, and seasonal urgency
  • Gutter guard installs, small repairs, downspout fixes, flushing, fascia observations, and roof-adjacent referrals
  • Two-person crew-days, ladder safety, route density, and fall/spring calendar compression
  • Recurring reminder lists for homes under trees, rental portfolios, HOAs, and property managers
  • Review proof and liability comfort in a niche where the customer is paying someone else not to fall off a ladder

Key risks

  • The business may be a seasonal owner/operator route with no transferable customer system
  • High headline margins disappear if the seller excludes drive time, estimates, safety setup, and callbacks
  • One serious fall can destroy a small insurance profile
  • Gutter guards can become a low-margin warranty trap when sold indiscriminately
  • Paid-lead platforms can keep the calendar full while pricing below safe crew economics

What you need to believe

  • The customer list repeats without the seller personally texting every homeowner
  • A two-person crew can reliably produce $900-$1,200 revenue days inside one tight service area
  • Ladder safety is priced into the job instead of subsidized by risk
  • Upsells improve profit rather than dragging the company into warranty-heavy contracting

Unit economics

How one unit makes money

Modeled per one two-person gutter crew operating in one suburban service cluster. Every line shows its arithmetic — rebuild any number yourself.

Revenue build-up

LineLowBaseHigh
Residential gutter cleaning250-900 jobs/year × $100-$250 per cleaning; base assumes 520 jobs × $190$50K$99K$210K
Gutter guards, repairs, downspouts, flushing20-150 upsell jobs × $500-$1,000; base assumes 70 jobs × $650$10K$46K$150K
Commercial/HOA/property-manager routes0-20 small recurring accounts × $500-$3,000/year depending on tree canopy and roofline$0$10K$60K

Where it goes — cost structure

  • Crew labor and payroll burden2034%

    The temptation is to call owner ladder time profit; a buyer has to pay someone to climb.

  • Truck, fuel, ladders, PPE, tools, disposal510%

    Low capex, but broken ladders and unsafe setups are not optional savings.

  • Insurance, workers comp, admin, software, processing59%

    Fall exposure makes the insurance file part of the asset.

  • Marketing, estimates, reviews, callbacks, weather816%

    The cheapest job on the board is often the one two towns away after a rainstorm.

  • Guard/repair materials and warranty reserve412%

    Applies only to upsell mix; bad guard installs eat margin later.

SDE margin · low
35%
SDE margin · base
50%
SDE margin · high
60%

What actually swings the deal

  • Completed cleanings per crew-day

    +1 $190 cleaning/day across 130 working days ≈ +$25K revenue with little added overhead if the route is dense

  • Average ticket / story surcharge

    +$25 average ticket on 520 jobs ≈ +$13K revenue, usually higher-margin than adding distant jobs

  • Repeat rate

    A 35% repeat list on 520 annual customers creates ~180 pre-sold jobs before paid leads; losing it can erase an entire spring month

  • Guard-install warranty burden

    10 callbacks at 3 crew-hours each plus materials can consume $3K-$6K of SDE, enough to wipe out several installs

Benchmarks to memorize

Typical cleaning ticket$100-$250 or ~$0.50-$2.50/linear foot
Angi two-story pricing~$1.00-$1.85/linear foot
SBA NAICS 561790 implied deal median~$527K broader building-services bucket
Target revenue per crew-day$900-$1,200
Target SDE margin35-60%
The ceiling

One two-person crew doing 4-6 jobs/day for 140-170 weatherable days caps near $150K-$250K of cleaning revenue. To get materially bigger, the owner needs second crews, guard/repair discipline, or recurring commercial routes.

Market analysis

Who owns these & where demand comes from

Hyperlocal, low-capex exterior maintenance trade. The market is crowded at the one-truck level, but professional operators with insured crews, reminders, and property-manager routes are much rarer than the Google map suggests.

Tailwinds

  • Recurring reminder software and before/after photos make a tiny service business more transferable
  • Can be bolted onto pressure washing, window cleaning, roof washing, or handyman routes
  • Aging homeowners and absentee landlords increase willingness to outsource ladder work

Headwinds

  • Low startup cost attracts underinsured price cutters
  • Weather and compressed fall demand make staffing and cash flow lumpy
  • Guard installs can cannibalize cleaning frequency if priced as a cure-all

Demand drivers

  • Tree canopy and seasonal leaf drop create recurring physical need
  • Homeowners outsource ladder risk, especially on two-story/steep-roof homes
  • Water intrusion, fascia damage, ice dams, and downspout failures make a cheap cleaning feel preventive
  • Rental portfolios, HOAs, and light commercial sites prefer scheduled maintenance over emergency calls

Regulation

Low to moderate. Licensing is usually light, but OSHA ladder/fall-protection expectations, workers comp, liability coverage, and local disposal/safety rules matter because the core activity is work at height.

Who you bid against

Buyers include first-time operators, exterior-service companies, landscapers, roofers, and pressure-washing shops. The smart buyer pays for a repeat book and safety systems, not a used ladder and a phone number.

Competitive advantage

What protects the good ones

  • moderateRecurring customer list

    A homeowner under trees needs the job repeatedly; reminders turn a seasonal scramble into scheduled revenue.

  • strongRoute density

    Two extra drive hours can destroy a day that looked profitable on ticket count.

  • moderateSafety and insurance credibility

    Professional customers pay for not owning ladder risk; uninsured cheap crews are not equivalent bidders.

  • moderateProperty-manager relationships

    Multi-site accounts smooth seasonality and create density competitors cannot easily copy.

Who wins — and who loses

The winner runs tight ZIP-code clusters, stores roofline notes, books spring/fall repeats before buying leads, and prices height risk without apology. The loser is the cheap ladder guy who drives 40 minutes for a $125 two-story clean and calls the missing insurance margin “profit.”

How this niche degrades

  • Low barriers create constant price pressure for simple one-story cleanings
  • Lead platforms commoditize demand and can push crews into unprofitable geography
  • Gutter guards reduce future cleaning frequency for some homes while creating installation warranty risk
  • Workers comp or liability events can reprice a small operator overnight
Consolidation status

Extremely fragmented and often tucked inside window cleaning, pressure washing, roofing, or landscaping companies. SBA data uses the broader 561790 bucket, so a buyer should treat financed comps as a ceiling sanity check, not niche-specific truth.

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.

Valuation framework

How these actually get priced

Priced on SDE with a heavy discount for owner-operated labor and seasonality. Small one-crew routes trade low unless customer repeats, route density, and documented systems make the revenue transferable.

Basis: SDE

What moves the multiple

  • ▲ PremiumRepeat list and route density

    Saved roofline notes, automated reminders, and tight ZIP clusters deserve more than one-off lead flow.

  • ▼ DiscountOwner ladder dependency

    If the seller is the climber, estimator, dispatcher, and safety program, SDE is overstated.

  • ▲ PremiumCommercial/HOA accounts

    Recurring multi-site routes smooth seasonality and justify better retention assumptions.

  • ▼ DiscountInsurance/safety gaps

    Uninsured ladder work is not transferable cashflow; it is unpaid risk.

Worked example

At the BizBite midpoint of $150K revenue and 50% margin, SDE is about $75K. At the listed 1.5x-2.5x range, operating value is roughly $113K-$188K. The high end requires repeat customers, route density, insured crews, and clean books; a seller-on-ladder route with mostly paid leads belongs near the low end or below.

Common buyer mistakes

  • Valuing a job list as if it were a recurring customer base
  • Ignoring owner labor because the equipment is cheap
  • Buying revenue created by paid leads outside the core service area
  • Treating gutter guard sales as pure upside without warranty reserves

Deal Calculator

Priced off $75K SDE — can this deal service its own debt?

3.54×
DSCR · Lender-comfortable
Purchase multiple — 2.0× SDE ($150K)
Category range: 1.5×–2.5× SDE
Down payment — 10% ($15K)
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
$150K
2.0× of $75K SDE
Cash to close
$20K
$15K down + ~3% closing
Debt service
$2K/mo
$21K/yr on $135K loan
Cash-on-cash
276%
cash back in ~5 mo
Debt service coverage · what the lender sees
3.54×+$4K/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.

Due diligence checklist

Before you sign anything

  1. 01

    Export every job for 24 months with address, linear feet, stories, pitch, ticket, crew-hours, source, and callback.

    This validates ticket, route density, and completed-jobs-per-day sensitivities.

    Red flagThe seller cannot show crew-hours or geography by job.
  2. 02

    Calculate repeat rate by customer and season, including reminder cadence and booked future work.

    Repeat revenue is the difference between a route business and a seasonal hustle.

    Red flagMost jobs are one-time paid leads with no customer record.
  3. 03

    Review workers comp, general liability, safety procedures, ladder inventory, incident history, and subcontractor status.

    The business monetizes ladder risk; the insurance file must support that risk.

    Red flagNo comp coverage, undocumented subs, or prior fall claims not priced in.
  4. 04

    Separate cleaning revenue from guards, repairs, downspouts, and warranty callbacks.

    Upsell mix changes margins and can hide future labor obligations.

    Red flagGuard installs drove profit but callback/reserve history is missing.
  5. 05

    Ride along for a full crew day and compare planned versus actual route time.

    Drive/setup time is the hidden math that kills low-ticket jobs.

    Red flagA “six-job day” includes two hours of windshield time and unpaid estimates.
  6. 06

    Confirm customer communication assets: phone, domain, reviews, photos, before/after library, and CRM notes transfer.

    The repeat engine must survive ownership change.

    Red flagCustomers know the seller personally and records live in text messages.

Pros

  • +Under $5K to start — ladder, blower, and truck
  • +Built-in annual rebook cycle — customers call you every year
  • +Gutter guard installs are $1,500-$4,000 per home at 50% margins
  • +Easy to market — neighbors see you on the ladder

Cons

  • -Height and ladder safety are real risks
  • -Seasonal peaks in fall (leaves) and spring (debris)
  • -Low barrier to entry — easy to undercut on price

Best For

Entry-level entrepreneurs who want to start earning this weekend with almost no capital

Operating Costs

Costs are minimal: ladder, safety harness, blower or wet-vac, truck, insurance (critical), and marketing. Owner-operators keep most revenue. Gutter guard materials cost 30-40% of installation revenue.

Where to Buy

BizBuySell

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BizQuest

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