Janitorial Services acquisitions in Missouri: SBA loan data
Since FY2018, SBA lenders have approved 11 7(a) loans to buy an existing business classified as Janitorial Services in Missouri, totaling $4.3M. The median loan was $247,000. That is 1.0% of the 1,098 acquisition loans in Missouri.
Terms signed in the LOI shape the purchase agreement that follows.
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How this compares
The median Janitorial Services loan in Missouri is 57% lower than the $580,000 median for all Missouri acquisitions, and 33% lower than the $369,700 median for Janitorial Services acquisitions nationwide (435 loans).
This combination has too few seasoned loans for a reliable charge-off rate. Nationally, 2.6% of seasoned Janitorial Services acquisition loans were charged off, and 2.9% of seasoned Missouri acquisition loans of any type.
Janitorial Services acquisition loans in Missouri by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 3 | $590K | $176,000 | |
| FY2019 | 1 | $336K | $336,000 | |
| FY2020 | 1 | $495K | $495,000 | |
| FY2021 | 0 | $0 | - | |
| FY2022 | 2 | $1.4M | $719,750 | |
| FY2023 | 1 | $445K | $445,000 | |
| FY2024 | 0 | $0 | - | |
| FY2025 | 2 | $908K | $454,000 | |
| FY2026 | 1 | $112K | $112,000 |
How often do these acquisition loans fail?
Fewer than 20 Janitorial Services in Missouri 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.
Seller note standby terms and third-party consents are reviewed before closing.
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Top lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | OakStar Bank | 3 | 27.3% | $455K | |
| 2 | Midwest Regional Bank | 2 | 18.2% | $1.5M | |
| 3 | American Bank of Freedom | 2 | 18.2% | $781K | |
| 4 | BayFirst National Bank | 1 | 9.1% | $737K | |
| 5 | UMB Bank, National Association | 1 | 9.1% | $495K |
Top franchise brands
| # | Franchise | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Hoodz | 2 | 18.2% | $984K | |
| 2 | The Cleaning Authority | 1 | 9.1% | $1.3M |
Terms signed in the LOI shape the purchase agreement that follows.
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Questions buyers ask
How much do SBA loans for Janitorial Services acquisitions in Missouri run?
The median SBA 7(a) loan was $247,000 across 11 loans (FY2018 to FY2026). The loan excludes the buyer's equity and any seller note and may include working capital, so the price is usually higher than the loan.
Which banks finance Janitorial Services acquisitions in Missouri?
OakStar Bank (3), Midwest Regional Bank (2), American Bank of Freedom (2), BayFirst National Bank (1), UMB Bank, National Association (1).
How often do Janitorial Services acquisition loans fail in Missouri?
Fewer than 20 loans in this combination are old enough to measure losses reliably, so no rate is shown. The national benchmark for all SBA acquisition loans is 3.5% (FY2018 to FY2021 cohort).
Are franchised businesses part of Janitorial Services acquisitions in Missouri?
5 of the 11 loans (45%) involved a franchise brand, most often Hoodz (2).
The purchase agreement decides what you bought, not the loan approval.
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Related
- All Missouri acquisitions
- Janitorial Services nationally
- Janitorial Services in Florida
- Janitorial Services in Colorado
- Janitorial Services in Ohio
- Janitorial Services in Minnesota
- Janitorial Services in New York
- Janitorial Services in Massachusetts
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Small samples move a lot: each loan in this combination is 9% of the count. Industry is the NAICS code the lender recorded. See the methodology.