Franchise financing
Mosquito Joe franchise financing
What it costs to finance a Mosquito Joe franchise and how buyers fund it. The real numbers: how much gets borrowed, which lenders fund it, and the track record.
By Mario Bailey · Source: SBA FOIA data, as of 2026-03-31
- SBA loans
- 111
- Total funded
- $27.2M
- Median loan
- $150K
- 7(a) charge-off
- 5.5%
What financing a Mosquito Joe franchise costs
The median SBA loan to a Mosquito Joe franchisee is $150K, and the middle half of Mosquito Joe's 111 loans run $102K to $179K (average $245K). Across all SBA-financed franchises the median loan is $350K. Mosquito Joe buyers borrow less than the typical franchisee.
These are loan amounts, not the brand's total startup cost. Buyers also put in equity (the SBA generally wants at least 10% down on a new franchise), and the brand's own investment estimate is Item 7 of its franchise disclosure document (FDD). The median Mosquito Joe loan runs 10 years. Model your numbers with the franchise financing calculator.
Of the 106 Mosquito Joe loans where the SBA recorded a business age, 71.7% went to new businesses two years old or younger. The rest funded existing operations.
How to finance Mosquito Joe
Mosquito Joe franchisees have financed with 111 SBA loans since FY2010, averaging $245K each. The 7(a) program is the usual route: it covers the franchise fee, build-out, equipment, and working capital (110 of the 111 loans). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
Mosquito Joe's 7(a) charge-off rate is 5.5% across 110 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance Mosquito Joe
By SBA loan count
Where Mosquito Joe gets funded
Top states by loan count
Financing a Mosquito Joe?
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Mosquito Joe SBA financing FAQ
How much does a Mosquito Joe franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a Mosquito Joe franchisee is $150K, and the middle half of Mosquito Joe's 111 loans run $102K to $179K. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of Mosquito Joe's franchise disclosure document.
Can you use an SBA loan for Mosquito Joe?
Yes. Lenders have funded 111 SBA loans to Mosquito Joe franchisees, worth $27.2M in all, so Mosquito Joe is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for Mosquito Joe?
The data says yes: of Mosquito Joe's 106 SBA loans that record a business age, 71.7% went to new businesses two years old or younger. Expect the lender to look harder at your experience, business plan, and equity injection.
Which lenders finance Mosquito Joe?
By loan count, the most active SBA lenders for Mosquito Joe are Live Oak Banking Company, United Midwest Savings Bank National Association, The Huntington National Bank, among others. A lender already active with your brand often moves faster.
What is Mosquito Joe's SBA charge-off rate?
Across Mosquito Joe's 110 SBA 7(a) loans, 5.5% have charged off. Read it as a relative track-record signal, not a prediction. It is not a lifetime default rate.
Which SBA program fits Mosquito Joe?
Mostly 7(a): 110 of Mosquito Joe's 111 SBA loans. The 7(a) program covers the franchise fee, build-out, equipment, and working capital. The median Mosquito Joe loan term is 10 years.