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BIZBITE

Gutter Guard Installation

Install it once, get paid every year

Bottom line

Accessible entry point; validate local supply before buying.

Gutter guard (leaf guard) installation is a high-margin home service business where contractors install protective covers over existing gutters. Average project cost to customers is $1,200–$2,000 for a typical home. Material costs are 25–35% of the sale price, yielding gross margins of 35–45%. A small crew can complete 3–5 installations per week, generating $120K–$300K in annual revenue. Unlike gutter cleaning (one-time work), many gutter guard companies are now adding recurring maintenance contracts, creating a hybrid revenue model.

Acquisition score
Margin · multiple · SBA data
64Strong
Avg revenue
$200K/yr
$80K–$400K range
Profit margin
38%
~$76K SDE
Multiple
2–3.2×
of SDE
Est. buy price
$152K–$243K
startup: $10K–$35K

How It Works

Technicians measure and install leaf guard systems (gutter screens, mesh, or drop-in covers) on residential and commercial properties. Installation typically takes 2–8 hours per home depending on gutter length and complexity. Revenue comes from: (1) initial installation ($1,200–$2,500), (2) optional add-on services (downspout protection, filter upgrades), and (3) maintenance contracts ($50–$150/year). Customer acquisition happens through home service marketplaces, local SEO, door-to-door canvassing, and referrals from gutter cleaning companies.

BizBite verdict

Worth underwriting

Gutter Guard Installation 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.

64Strong
medium data confidence · 52/100medium financing fit

Why it may work

  • +Attractive 38% estimated margin profile
  • +SBA dataset shows 6 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 238170 · Siding Contractors

Deals tracked
21
6 in last 24 mo
Median loan
$664K
$250K–$1.1M p25–p75
Implied deal size
$781K
median · ~85% LTV
Charge-off rate
not enough resolved loans

Deal size distribution

<$150K
3
$150K–500K
6
$500K–1M
6
$1M–2M
5
>$2M
1

Deal flow over time

12-month momentum
0.0%
deal volume vs prior 12 mo
Median loan Δ
+35.5%
3 recent · 3 prior

Financing profile

Median rate
8.75%
67% 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
Old National Bank2
Manufacturers and Traders Trust Company2
Customers Bank2
Community National Bank & Trust2
Live Oak Banking Company2
Where deals happen
VA4
MN2
AR2
KS2
FL2
MT1
IN1
OR1
CO1
PA1

Recent comparable deals

ClosedStateLoanImplied deal
Nov 2025OR$250K$294K
May 2025VA$3.9M$4.6M
May 2025VA$900K$1.1M
Dec 2024ID$664K$781K
Jul 2024MN$1.1M$1.2M
Jul 2024MN$250K$294K
Apr 2024PA$1.2M$1.4M
Aug 2023AR$150K$177K
Aug 2023AR$1.4M$1.6M
Mar 2022FL$512K$602K
Volume rank #246/544Deal-size rank #288/544Momentum rank #143p90 loan: $1.4MData 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 $76K SDE — can this deal service its own debt?

2.96×
DSCR · Lender-comfortable
Purchase multiple — 2.5× SDE ($190K)
Category range: 2×–3.2× SDE
Down payment — 10% ($19K)
SBA minimum equity injection is 10% for change-of-ownership
Interest rate — 8.75%
SBA median for this category: 8.8%
Loan term — 10 years
SBA median for this category: 120 months
Purchase price
$190K
2.5× of $76K SDE
Cash to close
$25K
$19K down + ~3% closing
Debt service
$2K/mo
$26K/yr on $171K loan
Cash-on-cash
204%
cash back in ~6 mo
Debt service coverage · what the lender sees
2.96×+$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.

Pros

  • +High gross margins (35–45%) with material costs well below retail pricing
  • +Quick installation time: 1–2 technicians can do 3–5 jobs per week
  • +Hybrid revenue model: one-time installation + recurring maintenance contracts
  • +Defensive moat: existing customers provide referrals; word-of-mouth is strong in home services
  • +Scalable: easy to hire and train installers, route optimization improves with team size

Cons

  • -Customer acquisition cost is high ($200–$250 per lead) — Google Ads and local marketing are expensive
  • -Seasonality: spring and fall are peak installation seasons; winter can be slow
  • -Weather-dependent: rain or ice can delay jobs and reduce schedule efficiency
  • -Warranty expectations: installation quality issues can lead to callback costs and negative reviews

Best For

Teams with carpentry or roofing experience, good local presence, and willingness to invest in local SEO and paid customer acquisition

Operating Costs

Main costs: gutter guard materials (at 25–35% of sale price), installation labor ($40–$60/hour per technician), vehicle/tools ($2K–$5K upfront), and customer acquisition ($150–$300 per job). Overhead is low if operating from home with mobile crews.

Where to Buy

BizBuySell

Many gutter service businesses now offer guard installation as add-on revenue

Home Services USA Marketplace

National marketplace for gutter services and leaf guard installation acquisitions

Local Google Maps/Reviews

Search 'gutter guard installation near me' to identify local companies for acquisition

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