How Much Can Plumbing and Heating Equipment and Supplies (Hydronics) Wholesalers Businesses Get in SBA Loans?
184 SBA loans totaling $64.6M have been approved for plumbing and heating equipment and supplies (hydronics) wholesalers businesses (NAICS 421720). The average approved SBA loan is $351K, which is 3% above avg the $340K national average. 98 active lenders fund this industry with a 10.0% default rate on the matured 2018-2021 loan cohort.
At 10.0%, Plumbing and Heating Equipment and Supplies (Hydronics) Wholesalers sits well below the 15.4% all-industry SBA default rate (charged-off as a share of resolved loans) — low 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 421720 (Plumbing and Heating Equipment and Supplies (Hydronics) Wholesalers) received 184 SBA loans worth $64.6M across 5+ states. Average loan $351K, average term 147 months, 10.0% default rate (resolved-loan basis).98 active SBA-approved lenders fund this industry. Most plumbing and heating equipment and supplies (hydronics) wholesalers loans use the SBA 7(a) program. There are approximately 388,706 U.S. establishments in this industry (Census 2022).
Which SBA Program Do Plumbing and Heating Equipment and Supplies (Hydronics) Wholesalers Businesses Use Most?
What Is the Best SBA Loan for Plumbing and Heating Equipment and Supplies (Hydronics) Wholesalers?
The most widely used SBA program for plumbing and heating equipment and supplies (hydronics) wholesalers businesses — flexible terms, multiple use cases
Where Are Plumbing and Heating Equipment and Supplies (Hydronics) Wholesalers SBA Loans Most Common?
Top SBA Lenders for Plumbing and Heating Equipment and Supplies (Hydronics) Wholesalers
These banks have funded the most SBA loans for plumbing and heating equipment and supplies (hydronics) wholesalers businesses (NAICS 421720). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Bank of America, National Association(NC) | 14 | $1.5M |
| 2 | Wells Fargo Bank National Association(SD) | 14 | $7.4M |
| 3 | Zions Bank, A Division of(UT) | 8 | $1.3M |
| 4 | PNC Bank, National Association(DE) | 7 | $715K |
| 5 | Readycap Lending, LLC(NJ) | 5 | $2.8M |
Plumbing and Heating Equipment and Supplies (Hydronics) Wholesalers Industry Context
Ready to Fund Your Plumbing and Heating Equipment and Supplies (Hydronics) Wholesalers Business?
PeerSense places SBA loans for plumbing and heating equipment and supplies (hydronics) wholesalers 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) Wholesalers Businesses?
Across all SBA loan programs, 184 loans have been approved for businesses classified under NAICS 421720 (Plumbing and Heating Equipment and Supplies (Hydronics) Wholesalers), representing $64.6M in total capital deployed. The average approved loan of $351K is 3% above avg the national SBA average of $340K, with typical repayment terms of 147 months.
SBA lending for plumbing and heating equipment and supplies (hydronics) wholesalers has remained relatively stable across recent fiscal years. 98 active lenders continue funding this sector, providing consistent access to capital for both new ventures and established businesses looking to expand.
Notably, 23% of SBA loans in this industry use the 504 program — well above the national average — indicating that plumbing and heating equipment and supplies (hydronics) wholesalers businesses frequently finance major fixed assets like real estate, heavy equipment, or facility buildouts. The 504 program offers up to $5.5M with below-market fixed rates and only 10% down from the borrower.
PeerSense specializes in matching plumbing and heating equipment and supplies (hydronics) wholesalers 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) Wholesalers SBA Loans
What is the average SBA loan size for plumbing and heating equipment and supplies (hydronics) wholesalers businesses?
Which SBA loan program is best for a plumbing and heating equipment and supplies (hydronics) wholesalers business?
How many lenders fund SBA loans for plumbing and heating equipment and supplies (hydronics) wholesalers?
What states have the most SBA lending for plumbing and heating equipment and supplies (hydronics) wholesalers?
How does PeerSense help plumbing and heating equipment and supplies (hydronics) wholesalers businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Plumbing and Heating Equipment and Supplies (Hydronics) Wholesalers defined by NAICS code 421720. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.