Exterminating and Pest Control Services
561710
Stock Yards Bank & Trust Company
Are you looking for a reliable bank that puts your needs first? Look no further than Stock Yards Bank & Trust Company in Kentucky! With a long-standing commitment to exceptional customer service and innovative banking solutions, Stock Yards is here to support your financial journey.
Shoreham Bank (RI)
Shoreham Bank offers Retail Banking, Mortgages, Home Equity Loans, Auto Loans, and much more. Providing our customers with convenience and reliable service since 1959.
Peoples Bank (OH)
Peoples Bank is a Small Business Administration Preferred Lender with 30 years SBA Lending Experience. Small Business Loans tailored for you.
FNBC Bank (AR)
First Port City Bank (FL)
First Port City Bank is your trusted bank for personal and business checking, savings, mortgages, loans and more with branch locations in Florida and Georgia.
First Mid Bank & Trust, National Association (IL)
First Mid Bank & Trust offers commercial & personal banking, insurance, & wealth management services throughout Illinois, Missouri, Texas & Wisconsin.
Community National Bank (VT)
City National Bank (CA)
City National Bank offers a wide variety of premier financial services including personal banking, credit cards, business banking, retirement planning wealth planning, and more.
CalPrivate Bank (CA)
CalPrivate Bank offers customized banking and financial solutions. We also provide commercial loans through various portfolio and government-guaranteed programs.
Busey Bank (IL)
Busey provides an array of banking services across Illinois, Missouri, Indianapolis and south west Florida.
Bank of America, National Association (NC)
What would you like the power to do? At Bank of America, our purpose is to help make financial lives better through the power of every connection.
Banco Popular de Puerto Rico (PR)
Popular Bank offers financial solutions tailored to meet the unique needs of our customers. We are here to help.
SBA Loans for Exterminating and Pest Control Services: Financing Growth in Pest Management
Introduction
Exterminating and pest control companies play a critical role in maintaining public health, food safety, and property value by managing insects, rodents, termites, and other unwanted pests. Classified under NAICS 561710 – Exterminating and Pest Control Services, this industry includes businesses that provide residential, commercial, and industrial pest management services. While demand for pest control is consistent across housing, agriculture, and commercial facilities, operators face financial challenges such as fleet expenses, chemical and equipment costs, labor shortages, and marketing competition.
This is where SBA Loans for Pest Control Businesses can provide important financial support. Backed by the U.S. Small Business Administration, SBA loans offer longer repayment terms, lower down payments, and government-backed guarantees. These loans help pest control operators purchase vehicles, invest in equipment, hire and train staff, and stabilize cash flow while expanding into new service areas.
In this article, we’ll explore NAICS 561710, the financial challenges pest control companies face, how SBA loans provide solutions, and answers to frequently asked questions from pest management entrepreneurs.
Industry Overview: NAICS 561710
Exterminating and Pest Control Services (NAICS 561710) include businesses that provide:
- Residential and commercial pest management
- Termite inspection and treatment
- Rodent and wildlife control
- Bed bug, ant, and insect extermination
- Preventative pest control programs for long-term contracts
This industry is service-driven, requiring investment in fleets, equipment, licensing, and trained technicians.
Common Pain Points in Pest Control Financing
From Reddit’s r/smallbusiness, r/pestcontrol, and Quora discussions, pest control owners often highlight these challenges:
- Fleet & Vehicle Costs – Work trucks and vans represent large upfront and maintenance expenses.
- Chemical & Equipment Costs – Sprayers, protective gear, and chemicals are essential and costly.
- Labor Shortages – Recruiting and retaining licensed exterminators adds payroll pressure.
- Seasonal Demand – Warm-weather pest spikes can create busy summers and slower winters.
- Marketing & Competition – Competing with national franchises requires ongoing advertising investment.
How SBA Loans Help Pest Control Operators
SBA financing provides affordable, flexible capital that helps pest management companies improve operations, expand services, and strengthen competitiveness.
SBA 7(a) Loan
- Best for: Working capital, payroll, marketing, or refinancing debt
- Loan size: Up to $5 million
- Why it helps: Provides liquidity for payroll, advertising campaigns, and supplier payments
SBA 504 Loan
- Best for: Facilities, fleets, and large-scale equipment
- Loan size: Up to $5.5 million
- Why it helps: Ideal for purchasing or upgrading work trucks, warehouses, or treatment facilities
SBA Microloans
- Best for: Small or startup pest control businesses
- Loan size: Up to $50,000
- Why it helps: Useful for buying basic equipment, chemicals, or starting marketing campaigns
SBA Disaster Loans
- Best for: Companies impacted by natural disasters or health emergencies
- Loan size: Up to $2 million
- Why it helps: Provides recovery funds for damaged equipment, lost revenue, or facility repairs
Step-by-Step Guide to Getting an SBA Loan
- Check Eligibility – Must be a U.S.-based, for-profit pest control business with good personal credit (typically 650+)
- Prepare Financial Documents – Include tax returns, P&L statements, service contracts, and equipment quotes
- Find an SBA-Approved Lender – Some lenders specialize in service-based business financing
- Submit Application – Provide a business plan highlighting customer base, service areas, and growth strategy
- Underwriting & Approval – SBA guarantees reduce lender risk. Approval generally takes 30–90 days
FAQ: SBA Loans for Pest Control Services
Why do banks often deny loans to pest control businesses?
Banks may view pest control companies as risky due to seasonal demand, fleet expenses, and competition. SBA guarantees reduce this risk and improve approval chances.
Can SBA loans finance trucks, chemicals, and treatment equipment?
Yes. SBA 7(a) and 504 loans can fund work vehicles, sprayers, protective equipment, and warehouses.
What down payment is required?
SBA loans typically require 10–20% down, compared to 25–30% for conventional service industry loans.
Are startup pest control companies eligible?
Yes. Entrepreneurs with licensing, certifications, and a solid business plan may qualify for SBA microloans or 7(a) financing.
What repayment terms are available?
- Working capital: Up to 7 years
- Equipment/fleets: Up to 10 years
- Real estate/warehouses: Up to 25 years
Can SBA loans support marketing and customer acquisition?
Absolutely. Many pest control operators use SBA financing to invest in SEO, online ads, and customer retention programs.
Final Thoughts
The Exterminating and Pest Control Services industry is essential for protecting homes, businesses, and public health but faces financial hurdles tied to fleets, staffing, and seasonal demand. SBA Loans for Pest Control Businesses provide affordable, flexible financing to stabilize operations, expand services, and remain competitive against larger franchises.
Whether you operate a local pest control company or manage multiple service areas, SBA financing can provide the resources you need. Connect with an SBA-approved lender today and explore your funding options under NAICS 561710.
Filters
Tags
#Preferred Lenders Program
#SBA Express Program
#Existing or more than 2 years old
#Startup
#Loan Funds will Open Business
#Fixed Rates Startup
#Change of Ownership
#New Business or 2 years or less
#7a General
#Variable Rates
#Fixed Rates
#Standard Asset Base Working Capital Line of Credit (CAPLine)
#International Trade Loans
#Export Express
#7a with WCP
#Contract Loan Line of Credit (CAPLine)
#7a with EWCP
#Unanswered
#Preferred Lenders with WCP
#Preferred Lenders with EWCP
#Seasonal Line of Credit (CAPLine)