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BIZBITE

Seamless Gutter Installation

Rainwater management is forgettable until it wrecks a roof, and that is the whole business

Bottom line

Worth studying, but do not buy without strong local proof.

Seamless gutter companies fabricate and install gutters, downspouts, soffit, and fascia on homes and light commercial buildings. The surprising angle is that a small crew with a truck-mounted machine can produce strong cash flow because jobs are short, material markup is healthy, and referrals compound fast. Storm seasons and roofing relationships keep demand steady in many markets.

53
Acquisition score
Strong

Avg Revenue

$700K

Profit Margin

27%

Acquisition Multiple

2x - 4x

Startup Cost

$50K - $200K

How It Works

The company measures the property, forms custom gutter runs on site, installs hangers and downspouts, and may bundle gutter guards or fascia work. Revenue comes from one-off installations, builder accounts, roofer referrals, storm repairs, and maintenance add-ons. The best operators own local search and maintain fast quoting.

Revenue Range

Low End
$250K
Typical
$700K
High End
$1.8M

BizBite underwriting snapshot

Pass for now

Seamless Gutter 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.

36
Speculative / 100
Data confidence
medium
52/100
Financing fit
medium

Category-level fit before lender-specific diligence.

Confidence cap
78

Weak source data caps the final score.

Why it may work

  • +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
  • !No category model yet

Real Acquisitions in This Category

SBA 7(a) 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.

Pros

  • +Fast jobs and healthy material markup
  • +Strong referral potential from roofers and builders
  • +Simple service line with obvious homeowner ROI
  • +Can upsell guards, soffit, fascia, and cleanings

Cons

  • -Weather and seasonality can affect scheduling
  • -Crew quality matters for callbacks and leaks
  • -Often dependent on local SEO and contractor relationships

Best For

Operators who want a straightforward home-service model with trucks, crews, and strong referral economics

Operating Costs

BizBuySell listings showed seamless gutter businesses with roughly $456K revenue and $117K cash flow, $637K revenue and $192K EBITDA, and one local operator at about $450K revenue with $250K cash flow. Main costs are labor, aluminum coil, trucks and machines, insurance, and lead generation.

SBA Financing Estimator

Adjust the deal — see if it cash flows after debt service

+$5K/mo
after debt service
Deal price — $1.1M
Range: $1.1M (2×) to $3.5M (4×+)
Down payment — 15% ($158K)
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 (120 mo)
SBA median for this category: 120 months
Down payment
$158K
15% equity injection
Loan amount
$893K
85% SBA-financed
Monthly payment
$11K/mo
$450K total interest
Monthly profit
$16K/mo
at 27% margin
Monthly cash flow after debt service
+$5K/mo
Down payment paid back in ~35 months — strong return

Estimates only. Excludes owner compensation, capex, working capital draws, and taxes. Margin assumes average occupancy and volume. Actual SBA terms vary by lender and borrower profile.

Where to Buy

BizBuySell – Family Owned Seamless Gutter Installation

Listing snippet with disclosed revenue and cash flow for a seamless gutter installer

BizBuySell – Exceptional Seamless Gutter Business

Listing snippet with disclosed revenue and EBITDA for a long-running gutter operator

This Old House – Seamless Gutters

Consumer explainer that helps illustrate why seamless gutters command a premium over sectional alternatives

53/100Strong

Acquisition Score

Profit margin
18/30
Entry multiple
21/25
Market depth
1/20
Risk (charge-off)
8/15
Deal momentum
5/10

Scores margin (30), entry multiple (25), SBA market depth (20), category risk (15), and deal momentum (10). Higher = better acquisition candidate.

Quick Facts

Category
service
Difficulty
3/5
Buy price
$1.4M$2.8M

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