# SBA loans for pool service, pressure washing and exterior cleaning companies

**Short answer:** SBA approved 802 loans to pool service, pressure washing and exterior cleaning companies since October 2023, with a median of $150,000. Approvals rose from 122 in FY2022 to 335 in FY2025. Source: SBA 7(a) loan file, June 30, 2026.

Canonical page: https://www.sbaexpress.loans/industries/other-services-to-buildings-dwellings/
Data as of: 2026-06-30

These figures come from SBA's public loan file for the 7(a) program, which includes SBA Express. They cover NAICS 561790, Other Services to Buildings and Dwellings. The loans were approved from October 1, 2023 to June 30, 2026. The file lists approvals only, so it shows what lenders funded, not who applied or who was turned down.

## What lenders check

Each lender sets its own checklist. SBA sets the basic eligibility tests.

A lender reviewing a loan to pool service, pressure washing and exterior cleaning companies looks at the business's numbers and these items for the trade:

- Recurring pool or gutter customers by route, since drive time between stops decides what each route earns
- Who holds the customer contracts, the owner or a middle-level operator, since SBA eligibility for cleaning businesses turns on it
- Wastewater and runoff handling for pressure washing, plus workers' compensation and liability coverage for ladder, roof and chemical work

What SBA sets and what the lender sets

Under SOP 50 10 8.1, SBA sets no minimum credit score; the lender applies its own credit standards. To qualify, a business must be an operating, for-profit business located in the United States that is small under SBA size standards and can show a need for the credit. Source: SOP 50 10 8.1: Sec. B, Ch. 2, Para. C.2; SBA Procedural Notice 5000-876777; 13 CFR § 120.100.

## Common uses of the money

Businesses like these use SBA loans for:

- A truck or trailer rig with a water tank, hot-water pressure washer and surface cleaner
- A pool-service truck stocked with pumps, test kits and chemicals to start another route
- Buying a retiring owner's route of weekly pool or gutter customers

## The cash cycle

Route customers pay monthly or by card on file, while one-time pressure washing, duct and chimney jobs are paid at completion. Pool openings, spring cleaning and fall gutter season bunch work into a few months, leaving crews idle in the off-season.

## Collateral

Trucks, trailers, pressure-washing rigs and tank systems provide the security, while a purchased pool or gutter route is goodwill that lenders count lightly.

SBA collateral and guarantee rules

On an SBA Express loan of $50,000 or less, collateral is not required. Above that, the lender may use its own collateral policies for similar non-SBA loans. Under SOP 50 10 8.1, a loan request must not be declined solely because collateral is inadequate.

Every owner of 20% or more of the business must give an unlimited personal guarantee. Source: SOP 50 10 8.1: App. 19, Para. B.3; App. 19, Para. A (p. 404); Sec. A, Ch. 5, Para. A.1 (p. 93); 13 CFR § 120.160(a).

## How much they borrow

85% of these loans were $500,000 or less, the range where SBA Express is available.

Share of 802 loans by size, Oct 2023 to Jun 2026

- $50,000 or less: 31%
- $50,001 to $150,000: 24%
- $150,001 to $350,000: 23%
- $350,001 to $500,000: 7.5%
- $500,001 to $1,000,000: 7.1%
- $1,000,001 to $2,000,000: 5.9%
- Over $2,000,000: 2.0%

Bars show each band's share of the loans.

The median loan was $150,000, close to the $150,300 median for all SBA 7(a) loans. Half of the loans fell between $50,000 and $350,000. The most common size band was $50,000 or less.

By business age, 48% had operated for more than 2 years and 16.5% for 2 years or less. 23% were startups opening with the loan, and 12% paid for a change of ownership.

## What they paid

The median loan priced at Prime plus 2.75 percentage points, the same as the median for all SBA 7(a) loans.

10.25%: Median rate at approval

Prime + 2.75: Median spread over Prime

Prime + 2.75: All industries, median spread

The median rate at approval was 10.25% on loans approved October 1, 2023 to June 30, 2026. Rates in SBA's file are the initial rates when the loans were approved. On a variable-rate loan the rate then moves with Prime, so these are not today's rates.

SBA's maximum rate today

SBA caps a variable rate by loan size. For a loan of $50,001 to $250,000, the cap is Prime plus 6.0 percentage points. The typical loan here, $150,000, is in that range. With Prime at 7.00% as of Nov 10, 2026, the maximum is 13.00% today. Source: SOP 50 10 8.1: App. 18, Para. A.2 (p. 395); 13 CFR § 120.214(d)(2).

## How the money comes

38% of the loans went through SBA Express and 31% were lines of credit. The median term was 10 years.

38.0%: Through SBA Express

30.8%: Lines of credit

10 years: Median term

Across all industries, 36% of loans went through SBA Express and 28% were lines of credit. Express counts here include Export Express.

SBA Express in brief

An SBA Express loan can be as large as $500,000, and SBA guarantees 50% of it. On an Express loan, the lender makes the credit decision without prior SBA review. SBA's procedures also say only a lender with SBA Express authority can make one. An SBA Express line of credit can run 10 years, including any term-out period. Source: SOP 50 10 8.1: Sec. B, Ch. 2, Para. B.1 (p. 126); App. 16, Para. B.2; Sec. B, Ch. 2, Para. C.2; Sec. B, Ch. 2 (p. 125); App. 17, Para. B.3.

The median term was 10 years (120 months). For working capital, SBA's maximum term is 10 years. For equipment, it is 10 years, or up to 15 years if the IRS asset class useful life supports it. Source: SOP 50 10 8.1: App. 17, Para. A.1 (p. 390); App. 17, Para. A.2 (p. 390).

## Who lends

The Huntington National Bank made the most loans, 115 of 802 (14%).

**Largest lenders by loans, Oct 2023 to Jun 2026**

| Lender | Type | Loans | Share of loans |
| --- | --- | --- | --- |
| [The Huntington National Bank](https://www.sbaexpress.loans/sba-express-lenders/the-huntington-national-bank/) | Bank | 115 | 14.3% |
| [TD Bank](https://www.sbaexpress.loans/sba-express-lenders/td-bank/) | Bank | 57 | 7.1% |
| [Newtek Bank](https://www.sbaexpress.loans/sba-express-lenders/newtek-bank/) | Bank | 46 | 5.7% |
| [United Midwest Savings Bank](https://www.sbaexpress.loans/sba-express-lenders/united-midwest-savings-bank/) | Bank | 40 | 5.0% |
| [U.S. Bank](https://www.sbaexpress.loans/sba-express-lenders/u-s-bank/) | Bank | 28 | 3.5% |

Lenders are ranked by loans and listed only when they made 5 or more. Janover Capital LLC does not represent these lenders, and a lender's past loans do not describe its current credit policy.

See every lender on the [SBA Express lenders](https://www.sbaexpress.loans/sba-express-lenders/) page.

## Where the loans are

Florida had the most loans, 112 of 802 (14%).

**Top states by loans, Oct 2023 to Jun 2026**

| State | Loans | Share of loans |
| --- | --- | --- |
| [Florida](https://www.sbaexpress.loans/florida-small-business-loans/) | 112 | 14.0% |
| [Texas](https://www.sbaexpress.loans/industries/other-services-to-buildings-dwellings/texas/) | 94 | 11.7% |
| [California](https://www.sbaexpress.loans/california-small-business-loans/) | 67 | 8.4% |
| [Ohio](https://www.sbaexpress.loans/ohio-small-business-loans/) | 36 | 4.5% |
| [Georgia](https://www.sbaexpress.loans/georgia-small-business-loans/) | 32 | 4.0% |

Location is the state of the business, not of the lender.

These states have their own page for this industry, with at least 50 loans from October 1, 2019 to June 30, 2026.

- [New York: 57 loans](https://www.sbaexpress.loans/industries/other-services-to-buildings-dwellings/new-york/)

Compare every state on [SBA loans by state](https://www.sbaexpress.loans/sba-loans-by-state/).

## How often these loans went bad

3.7% of 404 seasoned loans were charged off, close to the 3.6% rate for all SBA 7(a) loans.

404: Seasoned loans

3.7%: Charged off, by loans

0.8%: Charged off, by dollars

3.6%: All industries, by loans

15 of the 404 loans approved October 1, 2019 to September 30, 2022 were charged off by June 30, 2026. By dollars, 0.8% of the approved amount was charged off.

How we measure this

A seasoned loan is one approved October 1, 2019 to September 30, 2022. Newer loans have not had time to go bad, so they are left out. Charged off means the lender wrote the loan off as a loss, shown as status CHGOFF in SBA's file on June 30, 2026. The rate is charged-off loans divided by seasoned loans. This describes what happened to approved loans. It says nothing about whether an application will be approved.

## SBA size standard

NAICS 561790 has its own size standard.

For NAICS 561790, SBA's size standard is $9 million in average annual receipts. A business at or under the standard is small for SBA's purposes. To qualify, a business must fit the size standard for the applicant's primary industry in 13 CFR 121.201, measured in annual receipts or employees. SBA measures size on the date the application is accepted for SBA processing, or for delegated loans the date the lender approves the loan.

A business over the standard can still qualify under the alternative standard: tangible net worth of $20 million or less and average net income after federal income taxes of $6.5 million or less over the prior two fiscal years. Source: SOP 50 10 8.1: Sec. A, Ch. 1, Para. D.1 (p. 14); Sec. A, Ch. 1, Para. D.2 (p. 14); 13 CFR § 121.301(b)(2).

Check the code before you rely on it

SBA proposed new size standards for 338 industry groups and industries on August 20, 2026; the change is proposed only. Source: 91 FR 53741 (Aug. 20, 2026).

## A payment example

**Payment on a typical loan**

| Item | Example |
| --- | --- |
| Loan amount | $150,000, the median |
| Term | 10 years (120 months), the median |
| Rate | 10.25%, the median at approval |
| Monthly payment | $2,003 |
| Total interest over the term | $90,370 |

The example uses the median loan and the median term. The rate is the median at approval for these businesses. It covers principal and interest only, and it assumes the loan runs the full term. It leaves out fees, including the SBA guaranty fee.

On a variable-rate loan, a 1 percentage point move in Prime changes this payment by about $84 a month. Prime is 7.00% as of Nov 10, 2026. For a payment at today's rate, use the [SBA Express payment calculator](https://www.sbaexpress.loans/sba-express-payment-calculator/).

How to read this

Counts come from SBA's 7(a) loan-level data release, as of June 30, 2026. The file lists loans SBA approved. It does not list declined applications, so it cannot show approval odds. We do not publish any figure built on fewer than 5 loans. Industry is the NAICS code recorded on each loan. This page covers NAICS 561790, Other Services to Buildings and Dwellings. Express share counts SBA Express and Export Express loans. Lines of credit are loans the file marks as revolving. The median rate is the initial rate on loans with a rate on file. The spread is that rate minus Prime on the approval date, for variable-rate loans only. [How we build these pages](https://www.sbaexpress.loans/method/).

## Sources

- [SBA 7(a) loan file, June 30, 2026](https://data.sba.gov/dataset/7a-504-foia)
- [SOP 50 10 8.1: App. 19, Para. A (p. 404); Sec. B, Ch. 2, Para. C.2 (Para. C begins p. 127); App. 19, Para. B.3 (Para. B begins p. 408); App. 16, Para. B.2 (Para. B begins p. 388); Sec. B, Ch. 2 (p. 125); App. 17, Para. B.3 (Para. B begins p. 391); Sec. B, Ch. 2, Para. B.1 (p. 126); Sec. A, Ch. 5, Para. A.1 (p. 93); Sec. A, Ch. 1, Para. D.1 (p. 14); Sec. A, Ch. 1, Para. D.2 (p. 14); App. 17, Para. A.2 (p. 390); App. 17, Para. A.1 (p. 390); SBA Procedural Notice 5000-876777; 13 CFR § 120.160(a); 13 CFR § 121.301](https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx)
- [13 CFR § 120.100](https://www.ecfr.gov/current/title-13/section-120.100)
- [SOP 50 10 8.1: App. 18, Para. A.2 (p. 395); 13 CFR § 120.214(d)(2)](https://www.ecfr.gov/current/title-13/section-120.214)
- [SOP 50 10 8.1: Sec. A, Ch. 1, Para. D.1 (p. 14); 13 CFR § 121.301(b)(2)](https://www.ecfr.gov/current/title-13/section-121.301)
- [91 FR 53741 (Aug. 20, 2026)](https://www.govinfo.gov/content/pkg/FR-2026-08-20/pdf/2026-17042.pdf)
- [13 CFR § 121.201](https://www.ecfr.gov/current/title-13/section-121.201)