How Much Can Warm Air Heating and Air-Conditioning Equipment and Supplies Merchant Businesses Get in SBA Loans?
546 SBA loans totaling $290.6M have been approved for warm air heating and air-conditioning equipment and supplies merchant businesses (NAICS 423730). The average approved SBA loan is $532K, which is 56% above avg the $340K national average. 177 active lenders fund this industry with a 13.3% default rate on the matured 2018-2021 loan cohort.
At 13.3%, Warm Air Heating and Air-Conditioning Equipment and Supplies Merchant 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 423730 (Warm Air Heating and Air-Conditioning Equipment and Supplies Merchant) received 546 SBA loans worth $290.6M across 5+ states. Average loan $532K, average term 130 months, 13.3% default rate (resolved loan basis).177 active SBA approved lenders fund this industry. Most warm air heating and air-conditioning equipment and supplies merchant loans use the SBA 504 program. There are approximately 6,427 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Warm Air Heating and Air-Conditioning Equipment and Supplies Merchant?+44% growth
Which SBA Program Do Warm Air Heating and Air-Conditioning Equipment and Supplies Merchant Businesses Use Most?
What Is the Best SBA Loan for Warm Air Heating and Air-Conditioning Equipment and Supplies Merchant?
15% of warm air heating and air-conditioning equipment and supplies merchant loans use this program, ideal for real estate and major equipment purchases
Where Are Warm Air Heating and Air-Conditioning Equipment and Supplies Merchant SBA Loans Most Common?
SBA Lending Activity in Warm Air Heating and Air-Conditioning Equipment and Supplies Merchant
177 SBA lenders have funded 546 loans to warm air heating and air-conditioning equipment and supplies merchant businesses (NAICS 423730). 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.
Warm Air Heating and Air-Conditioning Equipment and Supplies Merchant Industry Context
Talk to PeerSense
PeerSense sources capital for warm air heating and air-conditioning equipment and supplies merchant 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 Warm Air Heating and Air-Conditioning Equipment and Supplies Merchant 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 Warm Air Heating and Air-Conditioning Equipment and Supplies Merchant Businesses?
Across all SBA loan programs, 546 loans have been approved for businesses classified under NAICS 423730 (Warm Air Heating and Air-Conditioning Equipment and Supplies Merchant), representing $290.6M in total capital deployed. The average approved loan of $532K is 56% above avg the national SBA average of $340K, with typical repayment terms of 130 months.
SBA lending for warm air heating and air-conditioning equipment and supplies merchant is accelerating. Loan volume has grown approximately 44% 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 industry sees a balanced mix of SBA programs, with 15% 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.
Talk to PeerSense about a warm air heating and air-conditioning equipment and supplies merchant file. The capital source sets the terms. The desk fee is paid at closing, never upfront.
Frequently Asked Questions: Warm Air Heating and Air-Conditioning Equipment and Supplies Merchant SBA Loans
What is the average SBA loan size for warm air heating and air-conditioning equipment and supplies merchant businesses?
Which SBA loan program is best for a warm air heating and air-conditioning equipment and supplies merchant business?
How many lenders fund SBA loans for warm air heating and air-conditioning equipment and supplies merchant?
What states have the most SBA lending for warm air heating and air-conditioning equipment and supplies merchant?
How does PeerSense help warm air heating and air-conditioning equipment and supplies merchant businesses get SBA loans?
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Data aggregated from SBA loan records (1992 to 2025). Warm Air Heating and Air-Conditioning Equipment and Supplies Merchant defined by NAICS code 423730. Not financial advice. PeerSense sources capital through a curated network of commercial lenders and capital sources. Consult a lending professional before making financial decisions.