Pest Control Company Acquisition & SBA Underwriting Financial Model (Excel + Google Sheets)

Description
A lender-ready acquisition model for buying an independent single-branch pest-control company with an SBA 7(a) loan. Revenue is built from the recurring subscription route book - accounts times average annual value across residential and commercial - plus one-time and termite work, with a route-density block (stops per tech per day, revenue per tech) that shows whether the routes are actually deliverable.

The differentiator is a dual honesty layer a broker's sheet skips. First, recurring-vs-one-time quality: the one-time and termite revenue is lumpy and does not deserve the multiple the sticky recurring book earns, so SDE is split and each part is valued at its own multiple - the overpay on treating one-time like recurring is shown explicitly (about $147k). Second, owner-operator replacement: the owner usually runs a route or sells, so a buyer must re-hire that role, deducted to reach Adjusted EBITDA. The model shows the TRUE DSCR (1.39x) right next to the NAIVE broker-style DSCR (2.41x).

It structures a 3-part SBA 7(a) capital stack, runs the lender's DSCR gate with a recurring-earnings coverage line (about 213%), and prices the sector's number-one risk - customer churn - in an explicit attrition down-case DSCR of 0.83x. Includes a 3-way profile toggle, a 5-year P&L, Returns & Exit, a Dashboard with a DSCR bankability grid, and a PDF guide. Honest by design: SDE 30%, Adjusted EBITDA 18%, no IRR headlined. Machine-verified with 67 automated checks across three engines. Works in Excel and Google Sheets - no macros.