How Much Can Warm Air Heating and Air-Conditioning Equipment and Suppplies Wholesal Businesses Get in SBA Loans?
391 SBA loans totaling $103.4M have been approved for warm air heating and air-conditioning equipment and suppplies wholesal businesses (NAICS 421730). The average approved SBA loan is $265K, which is 22% below avg the $340K national average. 163 active lenders fund this industry with a 6.2% default rate on the matured 2018-2021 loan cohort.
At 6.2%, Warm Air Heating and Air-Conditioning Equipment and Suppplies Wholesal 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 421730 (Warm Air Heating and Air-Conditioning Equipment and Suppplies Wholesal) received 391 SBA loans worth $103.4M across 5+ states. Average loan $265K, average term 134 months, 6.2% default rate (resolved-loan basis).163 active SBA-approved lenders fund this industry. Most warm air heating and air-conditioning equipment and suppplies wholesal loans use the SBA 7(a) program. There are approximately 388,706 U.S. establishments in this industry (Census 2022).
Which SBA Program Do Warm Air Heating and Air-Conditioning Equipment and Suppplies Wholesal Businesses Use Most?
What Is the Best SBA Loan for Warm Air Heating and Air-Conditioning Equipment and Suppplies Wholesal?
The most widely used SBA program for warm air heating and air-conditioning equipment and suppplies wholesal businesses — flexible terms, multiple use cases
Where Are Warm Air Heating and Air-Conditioning Equipment and Suppplies Wholesal SBA Loans Most Common?
Top SBA Lenders for Warm Air Heating and Air-Conditioning Equipment and Suppplies Wholesal
These banks have funded the most SBA loans for warm air heating and air-conditioning equipment and suppplies wholesal businesses (NAICS 421730). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Wells Fargo Bank National Association(SD) | 40 | $12.7M |
| 2 | Bank of America, National Association(NC) | 21 | $3.6M |
| 3 | JPMorgan Chase Bank, National Association(OH) | 15 | $3.5M |
| 4 | U.S. Bank, National Association(OH) | 14 | $5.2M |
| 5 | Zions Bank, A Division of(UT) | 11 | $4.4M |
Warm Air Heating and Air-Conditioning Equipment and Suppplies Wholesal Industry Context
Ready to Fund Your Warm Air Heating and Air-Conditioning Equipment and Suppplies Wholesal Business?
PeerSense places SBA loans for warm air heating and air-conditioning equipment and suppplies wholesal 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 Warm Air Heating and Air-Conditioning Equipment and Suppplies Wholesal Businesses?
Across all SBA loan programs, 391 loans have been approved for businesses classified under NAICS 421730 (Warm Air Heating and Air-Conditioning Equipment and Suppplies Wholesal), representing $103.4M in total capital deployed. The average approved loan of $265K is 22% below avg the national SBA average of $340K, with typical repayment terms of 134 months.
SBA lending for warm air heating and air-conditioning equipment and suppplies wholesal has remained relatively stable across recent fiscal years. 163 active lenders continue funding this sector, providing consistent access to capital for both new ventures and established businesses looking to expand.
The industry sees a balanced mix of SBA programs, with 16% 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 warm air heating and air-conditioning equipment and suppplies wholesal 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 — Warm Air Heating and Air-Conditioning Equipment and Suppplies Wholesal SBA Loans
What is the average SBA loan size for warm air heating and air-conditioning equipment and suppplies wholesal businesses?
Which SBA loan program is best for a warm air heating and air-conditioning equipment and suppplies wholesal business?
How many lenders fund SBA loans for warm air heating and air-conditioning equipment and suppplies wholesal?
What states have the most SBA lending for warm air heating and air-conditioning equipment and suppplies wholesal?
How does PeerSense help warm air heating and air-conditioning equipment and suppplies wholesal businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Warm Air Heating and Air-Conditioning Equipment and Suppplies Wholesal defined by NAICS code 421730. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.