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One Hour Heating & Air Conditioning, by the numbers

Every figure below comes from real financed deals — what buyers paid, where, and how the loans performed.

SBA Franchise Directory: listed ✓ (identifier S8610)

1

Deals since 2020

$325K

Typical deal

1

Deals since FY2025

—

Too few deals to score risk

One Hour Heating & Air Conditioning has 1 SBA deal on record — real financing history, but too few to score a failure rate you should trust. Underwrite the location and the FDD.

What buyers pay for One Hour Heating & Air Conditioning

Most One Hour Heating & Air Conditioning deals financed between $325K and $325K. Above $325K, you're paying more than 75% of buyers did — make the seller earn it.

Your deal size$325K

Monthly payment (10-yr): $4,523
Down payment (10%): $36K
Cash to close (all-in): $48K

Estimates at today's rates and standard 7(a) terms. Not a loan offer.

Could you get the loan?

Three answers. No documents, no credit pull.

Credit score

Available cash (you'll need ~$48K)

Experience

Recent financings

Black Crest Holdings LLC in Blackwood, NJ — $325K (2026) · Live Oak Banking Company

Program: Preferred Lenders Program
Rate at approval: 9.75% variable
Term: 120 mo (10 yrs)
SBA guaranteed: $244K (75%)
Approved: 2/25/2026
Loan status: Committed
Loan type: Term loan
Collateral: Required
Business type: Corporation
Jobs supported: 4
Business age: Startup, Loan Funds will Open Business
Industry: Plumbing, Heating, and Air-Conditioning Contractors

Funded by Live Oak Banking Company · Lender record →

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Who funds One Hour Heating & Air Conditioning — and where

Top lenders for this brand

1.Live Oak Banking Company(1)

Most active states

1.New Jersey (1 loans)

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Common questions

How much does a One Hour Heating & Air Conditioning cost to buy or open?

The typical deal for One Hour Heating & Air Conditioning is $325K across 1 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $36K of buyer cash on a typical deal.

How risky is One Hour Heating & Air Conditioning?

One Hour Heating & Air Conditioning has 1 SBA loan on record since 2020 — too few to score a reliable failure rate. Judge the unit economics and the franchisor's disclosure document, not a small sample.

Can I finance a One Hour Heating & Air Conditioning with an SBA loan?

Yes — One Hour Heating & Air Conditioning has been SBA-financed 1 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

AI summary

This profile summarizes public SBA financing activity for One Hour Heating & Air Conditioning — lender activity, typical loan sizes, financing history, and risk and failure signals where available — via DealRoom.so SBA Intelligence. DealRoom is not a lender.

Source: DealRoom.so SBA Intelligence, based on public SBA, lender, franchise, FDIC, and related records. DealRoom is not a lender and does not guarantee financing.

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DealRoom analysis of public lending records, FY2020–present. Charge-off rate measured on the FY2020–23 cohort. Not affiliated with One Hour Heating & Air Conditioning.