Franchise brands › Mosquito Joe
Franchise brand111 approvals since FY2013
SBA loans to Mosquito Joe franchises
Approvals SBA files under the brand's franchise code. The loans are to independent franchise owners; this page describes the brand in aggregate and no franchisee.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
Since FY2013, 111 SBA loan approvals worth $27.2M carry the Mosquito Joe franchise code, 58 of them in FY2021 to FY2025.
In FY2025 there were 10. The average approval in the five-year window was $228K, and 1 of the approvals were 504 loans.
12 lenders made the FY2021 to FY2025 loans across 18 states; the most active were United Midwest Savings Bank National Association (30), The Huntington National Bank (8) and Live Oak Banking Company (5).
Of loans approved in FY2010 to FY2021 and disbursed, SBA records 10.7% as charged off, above the 6.0% for all SBA loans from those years. The figures describe loans to independent franchise owners, not the franchisor.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Data through 30 Jun 2026.
Loans by fiscal year
| Fiscal year | Approvals | Dollars approved | Average approval | of which 504 | Jobs supported, as reported |
|---|---|---|---|---|---|
| FY2026* | 9 | $5.8M | $639K | 0 | 103 |
| FY2025 | 10 | $4.3M | $425K | 0 | 94 |
| FY2024 | 6 | $893K | $149K | 0 | 26 |
| FY2023 | 17 | $3.2M | $185K | 0 | 117 |
| FY2022 | 6 | $1.2M | $206K | 0 | 31 |
| FY2021 | 19 | $3.7M | $193K | 1 | 99 |
| FY2020 | 10 | $2.1M | $208K | 0 | 72 |
| FY2019 | 5 | $3.2M | $631K | 0 | 81 |
| FY2018 | 9 | $755K | $84K | 0 | 62 |
| FY2017 | 3 | $475K | $158K | 0 | 11 |
| FY2016 | 11 | $1.2M | $114K | 0 | 75 |
SBA's franchise field lists the brand as "MOSQUITO JOE"; "Mosquito Joe". Codes SBA has used for the same brand name are added together.
Charge-off cohort rate
| Loans approved FY2010–FY2021 | Mosquito Joe | All SBA loans |
|---|---|---|
| Approvals in these years | 63 | 725,496 |
| Cancelled or never disbursed | 7 | 91,827 |
| Disbursed loans | 56 | 633,669 |
| Paid in full | 31 | 471,304 |
| Charged off | 6 | 37,796 |
| Still outstanding (status exempt from disclosure) | 19 | 124,569 |
| Charged off, share of disbursed loans | 10.7% | 6.0% |
| Dollars charged off, share of disbursed dollars | 5.6% | 2.2% |
| Dollars charged off | $629K | $6.20bn |
Lenders
| # | Lender, FY2021–FY2025 | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | United Midwest Savings Bank National AssociationDe Graff, OH | 30 | $4.5M | 51.7% | |
| 2 | The Huntington National BankColumbus, OH | 8 | $990K | 13.8% | |
| 3 | Live Oak Banking CompanyWilmington, NC | 5 | $3.9M | 8.6% | |
| 4 | Stock Yards Bank & Trust CompanyLouisville, KY | 3 | $659K | 5.2% | |
| 5 | Citizens BankElizabethton, TN | 2 | — | 3.4% | |
| 6 | The Bancorp Bank National AssociationSioux Falls, SD | 2 | — | 3.4% | |
| 7 | Readycap Lending, LLCBerkeley Heights, NJ | 2 | — | 3.4% | |
| 8 | Sunrise Banks National AssociationSaint Paul, MN | 2 | — | 3.4% | |
| 9 | Renasant BankTupelo, MS | 1 | — | 1.7% | |
| 10 | United Community BankGreenville, SC | 1 | — | 1.7% | |
| 11 | Stearns Bank National AssociationSaint Cloud, MN | 1 | — | 1.7% | |
| 12 | Granite State Economic Development CorporationPortsmouth, NH · CDC | 1 | — | 1.7% |
States
| # | State of the business, FY2021–FY2025 | Approvals | Share | |
|---|---|---|---|---|
| 1 | Michigan | 7 | 12.1% | |
| 2 | California | 7 | 12.1% | |
| 3 | New Jersey | 5 | 8.6% | |
| 4 | Ohio | 5 | 8.6% | |
| 5 | Minnesota | 4 | 6.9% | |
| 6 | Arizona | 4 | 6.9% | |
| 7 | Texas | 4 | 6.9% | |
| 8 | New York | 3 | 5.2% | |
| 9 | Massachusetts | 3 | 5.2% | |
| 10 | Pennsylvania | 2 | 3.4% | |
| 11 | Florida | 2 | 3.4% | |
| 12 | Indiana | 2 | 3.4% | |
| 13 | Alabama | 2 | 3.4% | |
| 14 | Wisconsin | 2 | 3.4% | |
| 15 | Louisiana | 2 | 3.4% |
Filed under
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Services to Buildings and DwellingsNAICS 5617 | 56 | 96.6% | |
| 2 | Other Professional, Scientific, and Technical ServicesNAICS 5419 | 2 | 3.4% |
Approval sizes
- $50,000 or less8.6%5
- $50,001 to $150,00062.1%36
- $150,001 to $350,00015.5%9
- $350,001 to $1 million12.1%7
- $1 million to $2 million1.7%1
Age of the businesses
- Existing, more than 2 years old17.2%10
- New business, 2 years or less1.7%1
- Startup, loan funds will open the business67.2%39
- Change of ownership13.8%8
Questions and answers
How many SBA loans go to Mosquito Joe franchises?
111 approvals since FY2013, worth $27.2M; 58 in FY2021 to FY2025.
Which lenders make SBA loans for Mosquito Joe franchises?
By approvals in FY2021 to FY2025: United Midwest Savings Bank National Association (30), The Huntington National Bank (8), Live Oak Banking Company (5), Stock Yards Bank & Trust Company (3), Citizens Bank (2).
How large is a typical SBA loan for a Mosquito Joe franchise?
The average approval in FY2021 to FY2025 was $228K.
What share of Mosquito Joe SBA loans are charged off?
Of 56 disbursed loans approved in FY2010 to FY2021, 6 (10.7%) are recorded as charged off; for all SBA loans from those years the figure is 6.0%.
Are SBA loans to Mosquito Joe franchises rising?
Approvals in the three latest complete fiscal years total 33, against 35 in the three before: broadly level (-6%).
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error