All Other Miscellaneous Waste Management Services: SBA business acquisition loan data
29 SBA 7(a) loans since FY2018 financed the purchase of an existing business classified as All Other Miscellaneous Waste Management Services (NAICS 562998), totaling $32.5M. Median loan $629,000, in line with the all-acquisition median.
The purchase agreement decides what you bought, not the loan approval.
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Reading this industry's numbers
- Deal size. The loan excludes the buyer's equity and any seller note and may include working capital. A loan request far above $1,696,200 would be in the top quarter of SBA acquisition loans in this industry.
- Share of all acquisitions. This industry is 0.1% of all SBA-financed business purchases, ranking #239 of 300 industries tracked.
- Geography. Florida leads with 4 loans; the top five states account for 59% of the industry's acquisitions.
- Jobs. Lenders reported 511 jobs supported across these loans, about 17.6 per acquisition, a rough proxy for the size of business changing hands.
All Other Miscellaneous Waste Management Services acquisitions by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 0 | $0 | - | |
| FY2019 | 2 | $2.8M | $1,393,000 | |
| FY2020 | 5 | $6.5M | $1,035,000 | |
| FY2021 | 4 | $2.9M | $585,250 | |
| FY2022 | 2 | $4.2M | $2,076,900 | |
| FY2023 | 3 | $4.3M | $1,812,000 | |
| FY2024 | 4 | $7.6M | $1,495,650 | |
| FY2025 | 3 | $1.1M | $333,000 | |
| FY2026 | 6 | $3.1M | $496,000 |
How often do these acquisition loans fail?
Fewer than 20 All Other Miscellaneous Waste Management Services acquisition loans are old enough to measure losses reliably, so no charge-off rate is shown. The benchmark across all SBA acquisition loans in the FY2018 to FY2021 cohort is 3.5% by count. Non-acquisition 7(a) loans (every other stated purpose) approved FY2018 to FY2021 charged off at 6.2%.
"Charged off" is the SBA's final loss action on a defaulted loan after collection efforts. It lags default by a year or more, which is why only older cohorts are measured. It is not the same as a delinquency rate, and loans still outstanding can still fail. See charge-off in the glossary.
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Top states
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Florida | 4 | 13.8% | $5.1M | |
| 2 | California | 4 | 13.8% | $3.9M | |
| 3 | Minnesota | 4 | 13.8% | $1.9M | |
| 4 | Wisconsin | 3 | 10.3% | $2.1M | |
| 5 | Delaware | 2 | 6.9% | $3.6M | |
| 6 | Arizona | 2 | 6.9% | $633K | |
| 7 | Iowa | 1 | 3.4% | $4.5M | |
| 8 | South Dakota | 1 | 3.4% | $2.9M | |
| 9 | Michigan | 1 | 3.4% | $2.8M | |
| 10 | Maryland | 1 | 3.4% | $1.3M |
Most active lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Live Oak Banking Company | 3 | 10.3% | $8.1M | |
| 2 | MidCountry Bank | 2 | 6.9% | $986K | |
| 3 | BankVista | 2 | 6.9% | $911K | |
| 4 | First Bank & Trust | 1 | 3.4% | $2.9M | |
| 5 | Fifth Third Bank | 1 | 3.4% | $2.8M | |
| 6 | Evolve Bank and Trust | 1 | 3.4% | $2.5M | |
| 7 | 22nd State Bank, A Division of 22nd State Banking Company | 1 | 3.4% | $1.9M | |
| 8 | First Bank | 1 | 3.4% | $1.8M | |
| 9 | Columbia Bank | 1 | 3.4% | $1.7M | |
| 10 | Pinnacle Bank | 1 | 3.4% | $1.6M |
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Franchise brands in All Other Miscellaneous Waste Management Services
10% of acquisition loans in this industry involved a franchised unit. Brands with the most SBA-financed resales:
| # | Brand | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | ServiceMaster | 1 | 33.3% | $200K |
Questions buyers ask
How much is a typical SBA loan to buy a business in All Other Miscellaneous Waste Management Services?
Median $629,000 across 29 acquisition loans (FY2018 to FY2026); the middle half ran $300,000 to $1,696,200. That is in line with the $645,250 median for all SBA-financed acquisitions.
Which lenders finance the most All Other Miscellaneous Waste Management Services acquisitions?
Live Oak Banking Company (3), MidCountry Bank (2), BankVista (2), First Bank & Trust (1), Fifth Third Bank (1).
Are businesses in All Other Miscellaneous Waste Management Services often franchised?
Sometimes. 10% of SBA acquisition loans in this industry financed a franchised unit. Top brands: ServiceMaster.
How risky are SBA loans for buying a business in All Other Miscellaneous Waste Management Services?
Too few loans are old enough to measure for this industry. The all-acquisition benchmark is 3.5%.
What loan terms are common for All Other Miscellaneous Waste Management Services acquisitions?
Median term 10 years, average initial rate 8.00% at approval (blended across years and fixed/variable structures). Terms longer than 10 years usually indicate real estate was included in the purchase.
Terms signed in the LOI shape the purchase agreement that follows.
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