SBA Loans for HVAC & Plumbing Contractors
20,555 SBA loans have funded hvac & plumbing contractors nationwide, averaging $289K across 1,260 active SBA lenders, at an average note rate of 7.7%. SBA 7(a) loans up to $5M fund buying an HVAC or plumbing company and trucks, tools, and field equipment; SBA 504 loans cover owner-occupied real estate and equipment with as little as 10% down. PeerSense reads this lending history and matches you to the lender most likely to fund an HVAC or plumbing business.
Published: ·Last updated: ·By Ed Freeman, Capital Advisor. PeerSense
Source: SBA 7(a) and 504 loan records (NAICS 238220), 2000 to present.
20,555
SBA Loans Funded
$289K
Average Loan
7.7%
Avg Note Rate
10 yrs
Avg Term
1,260
Active Lenders
14.5%
Charge-Off Rate (resolved-loan basis)
What hvac & plumbing contractors use SBA loans for
Where hvac & plumbing contractors get SBA financing
| State | SBA Loans | Capital Deployed |
|---|---|---|
| California | 2,491 | $1.0B |
| Florida | 1,317 | $497.0M |
| Texas | 1,293 | $419.6M |
| New York | 1,258 | $277.2M |
| Ohio | 1,131 | $187.6M |
SBA lenders active with hvac & plumbing contractors
Ranked by real SBA funding activity in California, the top state for hvac & plumbing contractors. PeerSense routes your deal to the lender most likely to approve and price it. You work with us, not a call list.
Get matched to an SBA lender for an HVAC or plumbing business.
Tell us your loan amount and use of funds. We route you to the lender most likely to fund an HVAC or plumbing business, anywhere in the US.
SBA 7(a) / 504, HVAC & Plumbing Contractors: Response within 24–48 hours. No obligation.
How hvac & plumbing contractors qualify for an SBA loan
SBA 7(a) loans are the most common path for hvac & plumbing contractors financing buying an HVAC or plumbing company. They run up to $5M, fund up to 90% of a project, and amortize over 10 years for a business purchase or up to 25 years when real estate is included. SBA 504 loans pair a bank loan with a CDC debenture for owner-occupied real estate and heavy equipment, typically at 10% down.
With 20,555 loans on record across 1,260 lenders and a 14.5% historical charge-off rate, hvac & plumbing contractors are a well-understood credit to SBA lenders, but not every lender is active in this profession or comfortable with its deal structure. PeerSense reads the lending history and routes your deal to the lender most likely to approve and price it, then stays with you through closing.