Verified — real FDD extraction
SBA-eligible · directory code S2376 since 2018
MOSQUITO AUTHORITY
Other · independent · est. —
Mosquito Authority is an outdoor pest-control franchise providing recurring mosquito and tick treatment for residential yards. A franchisee runs a home-based, route-driven service business, with technicians treating customer properties on a scheduled cycle through the warm-weather season.
MOSQUITO AUTHORITY net unit count declined -3.5% from 2023–2025 per its FDD Item 20.
New to franchising? Start here
A franchise is a business where you (the franchisee) pay a company (the franchisor) for the right to open and run a location using their brand and system — think a local Anytime Fitness or Taco John's owned by a small-business owner, not the corporation.
Before you can buy in, U.S. law requires the franchisor to give you a Franchise Disclosure Document (FDD) — a long legal filing covering its fees, finances, and history. The numbers on this page come straight from that document:
- Franchise fee — the one-time cost to buy in.
- Royalty — the ongoing cut of your sales you pay the franchisor.
- Item 20 — how many locations opened and closed, the basis for our verdict (from Proven & strong down to Distressed — or Too new to judge).
The verdict
Proven & steady
Distress
A real track record with an unremarkable region of the ledger: neither the growth nor the exits stand out, for better or worse. The standout in the record: owners who leave mostly sell rather than fail.
Exit rate · latest year
4.9%
fiscal 2025, per Item 20
Cost to open
$39K–$129K
Item 7 total investment range
SBA loan defaults
7.1%
14 loans resolved — directional only
Behind the verdict
the record, factor by factor · Item 20
3-yr trend · Item 20 Table 1
terminations + ceased-ops vs. all exits · Table 3
transfers vs. base · Table 3
actual vs. projected openings · Table 5
Item 19 disclosure + completeness
Systemwide units
2023–2025
Survival record
FDD Item 20 · outlet status by year
In fiscal 2025, 27 of 546 franchised outlets left the system — a 4.9% annualized exit rate. Not every exit is a failure — but this is the measurable floor.
Show the outlet tables ↓Hide the evidence ↑
| Status (FTC) | 2023 | 2024 | 2025 |
|---|---|---|---|
| Outlets at start | 530 | 541 | 547 |
| Opened | 14 | 19 | 2 |
| Transfers | 29 | 36 | 25 |
| Terminations | 0 | 0 | 0 |
| Non-renewals | 0 | 3 | 2 |
| Reacquired by franchisor | 3 | 1 | 0 |
| Ceased — other reasons | 7 | 7 | 25 |
| Outlets at end | 541 | 547 | 522 |
| Net change | +11 | +6 | -25 |
The lender's view
SBA 7(a)/504 loan performance · FY1991–present
Banks have made 48 SBA-backed loans to MOSQUITO AUTHORITY franchisees since 2018. Only 14 have resolved so far — too thin for a reliable default rate, but 1 of them charged off.
—
14 resolved · too thin to rate
—
avg. charged-off $ ÷ approved $
—
default rate × loss severity
$160,925
what recent franchisees borrowed
76 mo
approval → charge-off, defaulted loans
7 vs 5
distinct banks still lending
Charge-off rate by loan approval year (%)
Loan performance by state
SOURCE: SBA 7(a)/504 FOIA LOAN DATA (DATA.SBA.GOV), FY1991–PRESENT · MATCHED TO MOSQUITO AUTHORITY BY FRANCHISE NAME · RESOLVED = CHARGED-OFF + PAID-IN-FULL
The owner's side of the deal
FDD × federal loan record
Who finances it
United Midwest Savings Bank National Association
59.6% of this brand's loans
That lender charges off 35.4% of its loans to other franchise brands, vs 14.8% nationally.
Who buys it
72.1%
first-time franchise owners
The rest already owned at least one other franchise. Across the corpus, brands bought mostly by repeat operators charge off at roughly 10% versus 17% for brands sold mostly to newcomers.
Does experience help here?
Not enough resolved loans to split
Computed from 48 SBA 7(a)/504 loans to MOSQUITO AUTHORITY franchisees joined to the brand's own FDD. Debt service assumes level amortization at the average disclosed term and rate. A lender's rate excludes its loans to this brand, so it reads the lender, not the brand.
What it costs — and what it drags
FDD Items 5–7 · fees, investment, royalty
Buying in means a $45K franchise fee (Item 5) and a total investment of $39K–$129K (Item 7). The franchisor publishes an earnings claim (Item 19) — read its methodology closely.
To open (Item 7)
$39K–$129K
all-in investment range
Franchise fee (Item 5)
$45K
upfront, one-time
Royalty (Item 6)
10%
of sales, ongoing
Your figure — cross-check against this brand's Item 19 and current-owner validation.
Royalty you'd pay / yr
$100K
10% of sales, before profit
Over a 10-yr term
$1M
royalties alone, excl. ad fund
This is not profit. It's the only money the FDD actually pins down — what you put in, and the royalty you owe on every dollar of sales. Your real take-home depends on labor, rent, food cost, and ramp-to-breakeven, none of which any FDD discloses.
Build a real pro-forma for MOSQUITO AUTHORITY with an independent CPALabor record
US Dept. of Labor enforcement · franchisee-level · FY2005–present
Federal investigators have concluded 2 wage cases against operators of this system, recovering $7K in back wages for 14 workers. These cases name franchisee-owned locations, not the franchisor itself.
Concluded cases
2
Back wages owed
$7K
Employees affected
14
Since 2020
0
Read this carefully. The employers in these cases are individual MOSQUITO AUTHORITY franchisees — separately owned businesses operating under the brand name — not MOSQUITO AUTHORITY itself. The franchisor is not the respondent and in most cases is not a party. What the record shows is how this system's operators run their payrolls, which is worth knowing before you become one of them. Counts rise with system size and with age: a 20-year-old, 10,000-unit system will out-count a young one regardless of conduct. Source: DOL Wage and Hour Division concluded compliance actions, FY2005–present, most recent finding 2019.
Modeled risk
FDD Risk Score · modeled from the public record
The public record puts this brand toward the riskier end of the systems we score — but the evidence is thin, so treat it as a range, not a number.
Risk percentile (range)
76–100 / 100
Directional
Modeled SBA charge-off
19.1%
Observed SBA charge-off
7.1%
Top drivers: Share financed by high-loss lenders (raises) · Single-lender dependence (lowers) · System size (log units) (lowers) · Investment ceiling (log) (raises). Thin loan history — treat this as a range, not a number. A linear scorecard built from this brand's own disclosure figures plus the federal loan record behind its franchisees; full spec and cross-validated accuracy on the methodology page. A score is context, not a verdict.
Distress signals
news-sourced · bankruptcies, closures, lawsuits
No recent closures, bankruptcies, or major lawsuits found in the news for MOSQUITO AUTHORITY. That's a good sign — but it reflects news coverage, not a guarantee.
A broker is paid by the franchisor to place you. An independent CPA is paid by you — and the job is pressure-testing MOSQUITO AUTHORITY's numbers, including talking you out of a bad deal.
Talk to an independent CPA before you buy →MOSQUITO AUTHORITY franchise questions, answered from the filings
What percentage of MOSQUITO AUTHORITY franchises closed last year?
In MOSQUITO AUTHORITY's latest FDD Item 20 (fiscal 2025), 27 of 546 franchised outlets left the system — an annualized exit rate of 4.9%. That counts terminations, non-renewals, and "ceased operations — other reasons." There is no official failure rate, and not every exit is a failure, but this is the measurable floor.
How much does a MOSQUITO AUTHORITY franchise cost?
Per MOSQUITO AUTHORITY's 2026 FDD, buying in requires an initial franchise fee of $45K (Item 5) and a total initial investment of $39K–$129K (Item 7).
What royalty does MOSQUITO AUTHORITY charge?
MOSQUITO AUTHORITY charges an ongoing royalty of 10.0% of gross sales, per Item 6 of its 2026 FDD.
Does MOSQUITO AUTHORITY disclose earnings (Item 19)?
Yes — MOSQUITO AUTHORITY makes a financial performance representation in Item 19 of its 2026 FDD. Read it closely: franchisors choose which units and which metrics to include.