Funding for Pest Control
Recurring service revenue makes pest control a clean underwrite — steady deposits, predictable retention. Capital up front builds the routes; the contracts those routes generate are what pay it back.
Pest control has the revenue model every lender claims to love — recurring contracts, strong retention, customers who renew because the alternative is bugs. The catch is that the model only pays after you have built it. Every new route needs a wrapped truck, a licensed tech, equipment, and chemical inventory before it produces its first dollar, and the spring surge rewards whoever staffed up in February. Banks still want two years of returns and a long meeting. Broadway underwrites the deposits you already have: three months of bank statements, one short form, a soft credit pull, and a same-day decision. Funding in as little as 24 hours means the new route is running when the season starts, not when the bank finishes thinking.
The challenge
Spring hits and the phones go from quiet to nonstop in a few weeks — but the trucks, techs, licenses, and chemical stock all have to be bought and trained before the surge, on cash the surge has not generated yet.
How Broadway Advance helps
Recurring service revenue makes pest control a clean underwrite — steady deposits, predictable retention. Capital up front builds the routes; the contracts those routes generate are what pay it back.
What owners use it for
- Add trucks and equipment for new routes before the spring surge
- Hire and train techs ahead of peak season call volume
- Stock chemical and bait inventory for the busy months
- Buy a competitor's route or customer list when one comes up for sale
- Fund marketing and lead generation in the weeks before season opens
- Cover licensing, insurance, and vehicle costs that renew all at once
See your real number in about five minutes.
Apply nowFunding options that fit pest control
Merchant Cash Advance
Immediate cash today in exchange for a small slice of future sales.
Up to $2,000,000 →Equipment Financing
Buy the equipment you need; the equipment itself secures the deal.
Up to 100% of equipment cost →Term Loan
The lowest rates and longest terms, with predictable monthly payments.
Up to $5,000,000 →Pest Control funding questions
We want to buy a competitor's customer list. Can Broadway fund an acquisition like that?
Often, yes. A route purchase is one of the highest-return moves in pest control — you are buying recurring revenue with retention history — and it usually has to close fast, before another buyer shows up. A term loan or advance against your existing deposits can fund the purchase; the acquired contracts then strengthen the very statements that repay it. Bring the seller's revenue numbers along with your own three months of statements and we can move at deal speed.
Is it smarter to finance the trucks or pay cash from the season's profits?
Finance the trucks. Equipment financing runs up to 100% of cost with the vehicle as collateral, which means it is among the cheapest capital available to you — far cheaper than an MCA — and it leaves your cash free for the things nobody will finance: payroll, chemicals, marketing, and the surprises. Paying cash for a depreciating truck while running tight on working capital is the most common self-inflicted wound we see in service businesses.
Our winter is slow. Does that hurt us, and how does repayment work in the off months?
Seasonal dips are normal here and underwriters see them constantly; three good months of statements carry the application. On repayment, a merchant cash advance is built for exactly this shape — remittance is tied to your revenue, so a quiet January takes less out of the account than a slammed May. A fixed-payment term loan does not flex that way, which is the trade for its lower cost. We will lay both options against your actual seasonality before you pick.