At ComCapFL, we deliver lending solutions that real banks don’t—and this closing proves it. We recently funded a $439,000 SBA Express Loan for a well-established 30+ year pest control business seeking to expand its operations and reduce the weight of high-interest debt.
The Challenge: Scaling While Managing Debt
This pest control company had a rock-solid reputation and consistent cash flow, but like many small businesses, it had accumulated high-interest debt while growing. The owner wanted to:
- Consolidate expensive debt
- Cover payroll expenses
- Invest more in advertising and marketing to generate new leads
That’s where our SBA Express Working Capital program stepped in.
The Solution: SBA Express Funds—Fast, Efficient, Effective
We structured a $439,000 SBA Express Loan to meet all of the business’s goals without the lengthy paperwork and red tape of traditional lending. With this loan, the business was able to:
- Refinance high-interest obligations
- Fund operations and payroll with breathing room
- Expand its marketing outreach to scale lead generation
This SBA Express Loan was pre-qualified and scored through ETRAN, the SBA’s automated approval system that evaluates a mix of the business’s credit, industry, borrower history, and more.
What Changed: New SBA Rules in Effect
As of June 1, 2025, the SBA revised its SOP guidelines to limit Express working capital loans to $350,000. Our client qualified and closed under the prior limits, but moving forward, these loans max out at $350K.
Still, SBA Express Loans remain one of the fastest and most efficient funding options available for small business owners—especially those in established industries like pest control.
What Can SBA Express Loans Be Used For?
These funds are incredibly flexible and can be used for:
- Working capital
- Debt refinance
- Equipment or inventory purchase
- FF&E (furniture, fixtures & equipment)
- Marketing and advertising
- Hiring and staff training
Who Qualifies for SBA Express Loans?
To pre-qualify, borrowers must meet the following criteria:
- In business for 2+ years
- U.S. citizen or green card holder
- Good business and personal credit
- Cash flow positive with no bankruptcies, lawsuits, tax liens, or merchant cash advance (MCA) debt
*Excluded industries include trucking, logistics, gas stations, ATM and any financing/lending companies, marijuana dispensaries and businesses of a prurient nature.
Simple Requirements to Get Started
To begin the process, we only need:
- 2 most recent business tax returns
- Year-to-date interim financials
- A simple questionnaire
- 1-page application
That’s it. No long waits. No unnecessary paperwork. Just real funding, fast. Call us today at (888) 959-1648 or email info@comcapfl.com to learn more.
Ready to get moving?
Apply through our Loan Finder App—no uploads, no commitments, just smart funding.
Recent Comments