How Much Can Air-Conditioning and Warm Air Heating Equipment and Commercial and Ind Businesses Get in SBA Loans?
475 SBA loans totaling $209.9M have been approved for air-conditioning and warm air heating equipment and commercial and ind businesses (NAICS 333415). The average approved SBA loan is $442K, which is 30% above avg the $340K national average. 169 active lenders fund this industry with a 13.4% default rate on the matured 2018-2021 loan cohort.
At 13.4%, Air-Conditioning and Warm Air Heating Equipment and Commercial and Ind sits below the 15.4% all industry SBA default rate (charged off as a share of resolved loans), moderate default risk relative to other SBA industries. The capital source prices this risk into rate and structure.
NAICS 333415 (Air-Conditioning and Warm Air Heating Equipment and Commercial and Ind) received 475 SBA loans worth $209.9M across 5+ states. Average loan $442K, average term 122 months, 13.4% default rate (resolved loan basis).169 active SBA approved lenders fund this industry.Manufacturers in NAICS 31 to 33 qualify for FY2027 SBA fee terms and can access the MARC revolving credit program. There are approximately 829 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Air-Conditioning and Warm Air Heating Equipment and Commercial and Ind?+27% growth
FY2027 Manufacturing Fee Waivers Active
The SBA has waived both 504 fees for manufacturers in NAICS 31 to 33 through September 30, 2027:
504 loans: all guaranty fees waived for manufacturing
7(a) loans of $700,000 or less: 0% upfront fee for manufacturers
Revolving credit line: manufacturers only, launched Oct 2025
The proposed Made in America Manufacturing Finance Act (H.R. 3174) would double SBA limits to $10M for domestic manufacturers, currently passed House, awaiting Senate vote.
Which SBA Program Do Air-Conditioning and Warm Air Heating Equipment and Commercial and Ind Businesses Use Most?
What Is the Best SBA Loan for Air-Conditioning and Warm Air Heating Equipment and Commercial and Ind?
Versatile funding for working capital, equipment, and expansion. 7(a) upfront fee is 0% for qualifying manufacturers on loans of $700,000 or less in FY2027
Where Are Air-Conditioning and Warm Air Heating Equipment and Commercial and Ind SBA Loans Most Common?
SBA Lending Activity in Air-Conditioning and Warm Air Heating Equipment and Commercial and Ind
169 SBA lenders have funded 475 loans to air-conditioning and warm air heating equipment and commercial and ind businesses (NAICS 333415). Which lender approves your deal depends on your location, loan size, credit profile and time in business, not on who funded someone else. PeerSense makes the introduction.
Air-Conditioning and Warm Air Heating Equipment and Commercial and Ind Industry Context
Talk to PeerSense
PeerSense sources capital for air-conditioning and warm air heating equipment and commercial and ind businesses. The capital source sets the terms. No upfront fee. Talk to PeerSense. Referral fee at closing.
Retainers
Down with SBA 7(a)
Terms Available
Talk to PeerSense about financing a Air-Conditioning and Warm Air Heating Equipment and Commercial and Ind business.
Tell us your loan amount and use of funds. PeerSense sources capital. The capital source sets the terms.
SBA 7(a) / 504: PeerSense will reach out. No obligation.
How Does SBA Lending Work for Air-Conditioning and Warm Air Heating Equipment and Commercial and Ind Businesses?
Across all SBA loan programs, 475 loans have been approved for businesses classified under NAICS 333415 (Air-Conditioning and Warm Air Heating Equipment and Commercial and Ind), representing $209.9M in total capital deployed. The average approved loan of $442K is 30% above avg the national SBA average of $340K, with typical repayment terms of 122 months.
SBA lending for air-conditioning and warm air heating equipment and commercial and ind is accelerating. Loan volume has grown approximately 27% over recent fiscal years. This upward trajectory suggests expanding access to capital and growing lender confidence in this sector. Peak activity occurred in FY2016.
The industry sees a balanced mix of SBA programs, with 12% of loans using the 504 program for fixed asset acquisition and the majority using 7(a) for its flexibility across working capital, equipment, and business acquisition uses. SBA 7(a) loans offer up to $5M with terms up to 25 years for real estate.
As a manufacturing business under NAICS 31 to 33, you qualify for FY2027 SBA fee terms through September 30, 2027. For manufacturers, the SBA has waived the 504 upfront guaranty fee and annual service fee, and the 7(a) upfront fee is 0% on loans of $700,000 or less. Additionally, the MARC (Manufacturers' Access to Revolving Credit) program launched in October 2025, offering up to $5M in revolving credit exclusively for domestic manufacturers, a first for SBA lending.
Frequently Asked Questions: Air-Conditioning and Warm Air Heating Equipment and Commercial and Ind SBA Loans
What is the average SBA loan size for air-conditioning and warm air heating equipment and commercial and ind businesses?
Which SBA loan program is best for a air-conditioning and warm air heating equipment and commercial and ind business?
How many lenders fund SBA loans for air-conditioning and warm air heating equipment and commercial and ind?
Are there SBA fee waivers for manufacturing businesses in 2026?
How does PeerSense help air-conditioning and warm air heating equipment and commercial and ind businesses get SBA loans?
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Data aggregated from SBA loan records (1992 to 2025). Air-Conditioning and Warm Air Heating Equipment and Commercial and Ind defined by NAICS code 333415. Not financial advice. PeerSense sources capital through a curated network of commercial lenders and capital sources. Consult a lending professional before making financial decisions.