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BIZBITE
345 Boring Businesses Analyzed$2K - $5M Startup CostsUp to 85% Profit MarginsUpdated WeeklyReal Revenue DataAcquisition Multiples Tracked345 Boring Businesses Analyzed$2K - $5M Startup CostsUp to 85% Profit MarginsUpdated WeeklyReal Revenue DataAcquisition Multiples Tracked345 Boring Businesses Analyzed$2K - $5M Startup CostsUp to 85% Profit MarginsUpdated WeeklyReal Revenue DataAcquisition Multiples Tracked345 Boring Businesses Analyzed$2K - $5M Startup CostsUp to 85% Profit MarginsUpdated WeeklyReal Revenue DataAcquisition Multiples Tracked
Service
50
/100 score
Fair

Spray Foam Insulation Contractor

Energy codes are mandatory — your margins don't have to suffer

Spray foam insulation contractors apply polyurethane foam to walls, attics, crawl spaces, and commercial buildings, providing superior thermal and moisture sealing vs. traditional fiberglass. A single spray rig with a 2-person crew generates $800,000–$1.2M/year in revenue at 50% gross margins and 25% net margins. The building energy efficiency industry is a structural growth story: updated IECC energy codes, Inflation Reduction Act tax credits (up to $1,200/year for homeowners installing insulation), and the new construction boom all drive demand. Unlike most service contractors, spray foam operators own their niche: installers require specialized training, and the machinery (proportioner + heated hose + gun) costs $50,000–$150,000 per rig, creating meaningful barriers to entry.

Avg Revenue

$900K

Profit Margin

25%

Acquisition Multiple

2x - 3.5x

Startup Cost

$80K - $200K

Difficulty

3/5

How It Works

A two-person crew operates a spray rig (a proportioner machine that heats and mixes two chemical components) and applies foam in residential attics, walls, crawl spaces, or commercial warehouses/metal buildings. Typical jobs: residential attic at $2,000–$5,000; new construction full encapsulation at $15,000–$40,000; commercial metal building at $25,000–$80,000. Jobs are priced per board foot or flat bid. The crew runs 2–4 jobs per week. Revenue scales by adding rigs and crews.

Revenue Range

Low End
$400K
Typical
$900K
High End
$3.0M

Real Acquisitions in This Category

SBA 7(a) change-of-ownership loans · NAICS 238310 · Drywall and Insulation Contractors

Deals tracked
44
15 in last 24 mo
Median loan
$803K
$331K–$1.6M p25/p75
Implied deal size
$944K
median · ~85% LTV
Charge-off rate
not enough resolved loans

Deal Size Distribution

<$150K
3
$150K–500K
12
$500K–1M
9
$1M–2M
10
>$2M
10

Deal Flow Over Time

Deals per year · median loan
$323K
2020
8
$1.3M
2021
5
$575K
2022
6
$592K
2023
5
$1.5M
2024
9
$1.4M
2025
9
$350K
2026
2
12-month momentum
-84.6%
deal volume vs prior 12 mo
Median loan Δ
-75.5%
2 recent · 13 prior

Financing Profile

Median rate
10.00%
13% fixed · last 24 mo
Median term
120 mo
standard 10-yr
Collateralized
100%
of loans secured
Median jobs
13
supported per deal
Top lenders in this space
Live Oak Banking Company3
Pathward National Association3
The Huntington National Bank3
Banner Bank3
Five Star Bank2
Where deals happen
WA8
FL4
MA3
MI3
TX3
GA3
NY2
OH2
CO2
CA2

Recent Comparable Deals

ClosedStateLoanImplied dealJobsFranchise
Dec 2025GA$550K$647K3Koala Insulation
Nov 2025WA$150K$177K14
Apr 2025WA$713K$839K21
Mar 2025GA$5.0M$5.9M15
Mar 2025GA$728K$857K9
Feb 2025MA$1.4M$1.6M16
Feb 2025OH$4.5M$5.3M57
Feb 2025OH$500K$588K57
Jan 2025MA$3.9M$4.6M31
Dec 2024CA$1.0M$1.2M9
Volume rank #142/534Deal-size rank #214/534Momentum rank #349p90 loan: $3.9MData as of Dec 2025

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

  • +50% gross margins with 25% net — rare among skilled trades
  • +Single rig + 2 crew members can generate $1M+ annually
  • +IRA tax credits create homeowner urgency — federally subsidized demand
  • +Barriers to entry: specialized equipment and training weed out casual competitors
  • +Commercial contracts (metal buildings, warehouses) provide large consistent ticket sizes

Cons

  • -Equipment is expensive and requires careful maintenance ($50K–$150K per rig)
  • -Chemical handling risk: isocyanates require proper PPE and OSHA compliance
  • -New construction demand is cyclical and interest rate sensitive
  • -Skilled labor is scarce — training certified spray foam technicians takes 3–6 months
  • -Material costs (polyurethane chemicals) fluctuate with oil prices

Best For

Construction industry operators, existing insulation or HVAC contractors looking to expand into high-margin spray foam, or blue-collar entrepreneurs comfortable managing field crews

Operating Costs

Primary costs: chemical raw materials (roughly 25% of revenue), equipment (depreciation + maintenance ~5%), labor (30–35%), fuel, insurance. A single-rig operation with owner-operator plus one employee can net $150,000–$250,000/year. Multi-rig operations net $300,000–$600,000+ but require a professional operations manager. Jobs typically require a 50% deposit, giving positive working capital.

SBA Financing Estimator

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

+$4K/mo
after debt service
Deal price — $1.4M
Range: $1.4M (2×) to $4.0M (3.5×+)
Down payment — 15% ($203K)
SBA minimum equity injection is 10% for change-of-ownership
Interest rate — 10.00%
SBA median for this category: 10.0%
Loan term — 10 years (120 mo)
SBA median for this category: 120 months
Down payment
$203K
15% equity injection
Loan amount
$1.1M
85% SBA-financed
Monthly payment
$15K/mo
$672K total interest
Monthly profit
$19K/mo
at 25% margin
Monthly cash flow after debt service
+$4K/mo
Down payment paid back in ~57 months

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 — Construction Services

Browse spray foam, insulation, and construction services businesses for sale

Profoam — Start Your Business

Industry FAQ on startup costs, equipment, revenue potential, and training requirements

Intech Equipment

Equipment supplier breakdown of revenue and margin benchmarks for spray foam contractors

50/100Fair

Acquisition Score

Profit margin
17/30
Entry multiple
23/25
Market depth
2/20
Risk (charge-off)
8/15
Deal momentum
0/10

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
$1.8M$3.1M

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