How Much Can Steam and Air-Conditioning Supply Businesses Get in SBA Loans?
54 SBA loans totaling $8.7M have been approved for steam and air-conditioning supply businesses (NAICS 221330). The average approved SBA loan is $161K, which is 53% below avg the $340K national average. 32 active lenders fund this industry.
NAICS 221330 (Steam and Air-Conditioning Supply) received 54 SBA loans worth $8.7M across 5+ states. Average loan $161K, average term 90 months.32 active SBA-approved lenders fund this industry. Most steam and air-conditioning supply loans use the SBA 7(a) program. There are approximately 111 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Steam and Air-Conditioning Supply?+200% growth
Which SBA Program Do Steam and Air-Conditioning Supply Businesses Use Most?
What Is the Best SBA Loan for Steam and Air-Conditioning Supply?
The most widely used SBA program for steam and air-conditioning supply businesses — flexible terms, multiple use cases
Where Are Steam and Air-Conditioning Supply SBA Loans Most Common?
Top SBA Lenders for Steam and Air-Conditioning Supply
These banks have funded the most SBA loans for steam and air-conditioning supply businesses (NAICS 221330). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | U.S. Bank, National Association(OH) | 9 | $386K |
| 2 | Banco Popular de Puerto Rico(PR) | 6 | $175K |
| 3 | PNC Bank, National Association(DE) | 3 | $100K |
| 4 | Bank of America, National Association(NC) | 3 | $70K |
| 5 | JPMorgan Chase Bank, National Association(OH) | 3 | $250K |
Steam and Air-Conditioning Supply Industry Context
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How Does SBA Lending Work for Steam and Air-Conditioning Supply Businesses?
Across all SBA loan programs, 54 loans have been approved for businesses classified under NAICS 221330 (Steam and Air-Conditioning Supply), representing $8.7M in total capital deployed. The average approved loan of $161K is 53% below avg the national SBA average of $340K, with typical repayment terms of 90 months.
SBA lending for steam and air-conditioning supply is accelerating — loan volume has grown approximately 200% over recent fiscal years. This upward trajectory suggests expanding access to capital and growing lender confidence in this sector. Peak activity occurred in FY2024.
The overwhelming majority of SBA lending for steam and air-conditioning supply uses the 7(a) program, which provides the most flexibility — covering working capital, equipment purchases, partner buyouts, debt refinancing, and business acquisitions up to $5M with terms up to 25 years.
PeerSense specializes in matching steam and air-conditioning supply 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 100+ SBA-approved lenders to find the best terms — our referral fee is established upfront and paid at closing. No retainers.
Frequently Asked Questions — Steam and Air-Conditioning Supply SBA Loans
What is the average SBA loan size for steam and air-conditioning supply businesses?
Which SBA loan program is best for a steam and air-conditioning supply business?
How many lenders fund SBA loans for steam and air-conditioning supply?
What states have the most SBA lending for steam and air-conditioning supply?
How does PeerSense help steam and air-conditioning supply businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Steam and Air-Conditioning Supply defined by NAICS code 221330. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.