How Much Can Plumbing and Heating Equipment and Supplies (Hydronics) Merchant Whole Businesses Get in SBA Loans?
825 SBA loans totaling $435.3M have been approved for plumbing and heating equipment and supplies (hydronics) merchant whole businesses (NAICS 423720). The average approved SBA loan is $528K, which is 55% above avg the $340K national average. 250 active lenders fund this industry with a 12.6% default rate on the matured 2018-2021 loan cohort.
At 12.6%, Plumbing and Heating Equipment and Supplies (Hydronics) Merchant Whole 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. Lenders price this risk into rate and structure, which is why matching the file to the right lender matters.
NAICS 423720 (Plumbing and Heating Equipment and Supplies (Hydronics) Merchant Whole) received 825 SBA loans worth $435.3M across 5+ states. Average loan $528K, average term 132 months, 12.6% default rate (resolved-loan basis).250 active SBA-approved lenders fund this industry. Most plumbing and heating equipment and supplies (hydronics) merchant whole loans use the SBA 504 program. There are approximately 6,747 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Plumbing and Heating Equipment and Supplies (Hydronics) Merchant Whole?-40% decline
Which SBA Program Do Plumbing and Heating Equipment and Supplies (Hydronics) Merchant Whole Businesses Use Most?
What Is the Best SBA Loan for Plumbing and Heating Equipment and Supplies (Hydronics) Merchant Whole?
17% of plumbing and heating equipment and supplies (hydronics) merchant whole loans use this program — ideal for real estate and major equipment purchases
Where Are Plumbing and Heating Equipment and Supplies (Hydronics) Merchant Whole SBA Loans Most Common?
Top SBA Lenders for Plumbing and Heating Equipment and Supplies (Hydronics) Merchant Whole
These banks have funded the most SBA loans for plumbing and heating equipment and supplies (hydronics) merchant whole businesses (NAICS 423720). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Wells Fargo Bank National Association(SD) | 56 | $25.4M |
| 2 | JPMorgan Chase Bank, National Association(OH) | 41 | $8.3M |
| 3 | The Huntington National Bank(OH) | 35 | $14.9M |
| 4 | U.S. Bank, National Association(OH) | 34 | $10.1M |
| 5 | KeyBank National Association(OH) | 30 | $22.7M |
Plumbing and Heating Equipment and Supplies (Hydronics) Merchant Whole Industry Context
Ready to Fund Your Plumbing and Heating Equipment and Supplies (Hydronics) Merchant Whole Business?
PeerSense places SBA loans for plumbing and heating equipment and supplies (hydronics) merchant whole businesses nationwide. We match you with the right capital source — no retainers, referral fee at closing.
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How Does SBA Lending Work for Plumbing and Heating Equipment and Supplies (Hydronics) Merchant Whole Businesses?
Across all SBA loan programs, 825 loans have been approved for businesses classified under NAICS 423720 (Plumbing and Heating Equipment and Supplies (Hydronics) Merchant Whole), representing $435.3M in total capital deployed. The average approved loan of $528K is 55% above avg the national SBA average of $340K, with typical repayment terms of 132 months.
SBA lending for plumbing and heating equipment and supplies (hydronics) merchant whole has contracted approximately 40% over recent fiscal years. This shift may reflect changing market conditions, industry consolidation, or tightening credit standards in this sector. However, 250 lenders remain active, maintaining competitive options for qualified borrowers.
The industry sees a balanced mix of SBA programs, with 17% 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.
PeerSense specializes in matching plumbing and heating equipment and supplies (hydronics) merchant whole business owners with the capital sources most likely to approve their specific deal structure. As an advisory firm (not a lender), we structure your deal across our network of 500+ SBA-approved lenders to find the best terms — our referral fee is established upfront and paid at closing. No retainers.
Frequently Asked Questions — Plumbing and Heating Equipment and Supplies (Hydronics) Merchant Whole SBA Loans
What is the average SBA loan size for plumbing and heating equipment and supplies (hydronics) merchant whole businesses?
Which SBA loan program is best for a plumbing and heating equipment and supplies (hydronics) merchant whole business?
How many lenders fund SBA loans for plumbing and heating equipment and supplies (hydronics) merchant whole?
What states have the most SBA lending for plumbing and heating equipment and supplies (hydronics) merchant whole?
How does PeerSense help plumbing and heating equipment and supplies (hydronics) merchant whole businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Plumbing and Heating Equipment and Supplies (Hydronics) Merchant Whole defined by NAICS code 423720. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.