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Financing a air-conditioning and warm air heating equipment and commerci acquisition
The SBA 7(a) lenders funding the most air-conditioning and warm air heating equipment and commerci acquisitions, ranked from public loan records — typical deal about $877K. A lender doing your industry every week underwrites faster and prices sharper.
Most active in air-conditioning and warm air heating equipment and commerci
Ranked by funded air-conditioning and warm air heating equipment and commerci acquisitions. Tap a lender to open its full record, or hit Get in touch for an introduction.
- 1.284 loans · $254M · Cincinnati, OHFull record →
- 2.1 loans · $1M · Lincoln, NEFull record →
- 3.16 loans · $18M · Chicago, ILFull record →
- 4.1,296 loans · $1.4B · Wilmington, NCFull record →
- 5.10 loans · $3M · Perryville, MOFull record →
- 6.30 loans · $24M · Kansas City, MOFull record →
7+ funded air-conditioning and warm air heating equipment and commerci deals
Real SBA 7(a) acquisitions from public records — see who got funded, for how much, and by which lender. Tap any deal for the full record.
- Thermal Holdings LLC in Madison, AL — $1.6M (2026) · purchase · Fifth Third Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.2M (75%)
- Approval → funding
- 20 days
- Approved
- 12/4/2025
- First disbursed
- 12/24/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 2
- Business age
- Change of Ownership
- Industry
- Air-Conditioning and Warm Air Heating Equipment and Commerci
If you were the buyer here
- Est. deal size
- $1.8M
- Est. down payment (10%)
- $182K
- Est. cash at closing
- $250K
- Monthly payment
- $20,775
- Annual debt service
- $249K
- Cash flow needed (1.25×)
- $312K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Fifth Third Bank · Lender record →
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- Thermal Holdings LLC in Madison, AL — $500K (2026) · purchase · Fifth Third Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $250K (50%)
- Approval → funding
- 19 days
- Approved
- 12/5/2025
- First disbursed
- 12/24/2025
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 2
- Business age
- Change of Ownership
- Industry
- Air-Conditioning and Warm Air Heating Equipment and Commerci
If you were the buyer here
- Est. deal size
- $556K
- Est. down payment (10%)
- $56K
- Est. cash at closing
- $74K
- Monthly payment
- $6,334
- Annual debt service
- $76K
- Cash flow needed (1.25×)
- $95K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Fifth Third Bank · Lender record →
Your business? Claim this record · Request removal
- Lundy Heating & Air Inc. in Perryville, MO — $637K (2024) · purchase · The Bank of Missouri
- Program
- Preferred Lenders Program
- Rate at approval
- 8.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $478K (75%)
- Approval → funding
- 0 days
- Approved
- 2/28/2024
- First disbursed
- 2/28/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 8
- Business age
- Change of Ownership
- Industry
- Air-Conditioning and Warm Air Heating Equipment and Commerci
If you were the buyer here
- Est. deal size
- $708K
- Est. down payment (10%)
- $71K
- Est. cash at closing
- $95K
- Monthly payment
- $7,986
- Annual debt service
- $96K
- Cash flow needed (1.25×)
- $120K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by The Bank of Missouri · Lender record →
Your business? Claim this record · Request removal
- Knoer Mechanical LLC in Goodyear, AZ — $50K (2024) · purchase · UMB Bank, National Association
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9.5% variable
- Term
- 60 mo (5 yrs)
- SBA guaranteed
- $25K (50%)
- Approval → funding
- 378 days
- Approved
- 3/12/2024
- First disbursed
- 3/25/2025
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Business age
- Change of Ownership
- Industry
- Air-Conditioning and Warm Air Heating Equipment and Commerci
If you were the buyer here
- Est. deal size
- $56K
- Est. down payment (10%)
- $6K
- Est. cash at closing
- $7K
- Monthly payment
- $1,050
- Annual debt service
- $13K
- Cash flow needed (1.25×)
- $16K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by UMB Bank, National Association · Lender record →
Your business? Claim this record · Request removal
- WHITE OAK CAPITAL LLC in Lakeville, MA — $3.5M (2023) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 9% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $2.6M (75%)
- Approval → funding
- 29 days
- Approved
- 7/31/2023
- First disbursed
- 8/29/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 3
- Business age
- Change of Ownership
- Industry
- Air-Conditioning and Warm Air Heating Equipment and Commerci
If you were the buyer here
- Est. deal size
- $3.9M
- Est. down payment (10%)
- $389K
- Est. cash at closing
- $537K
- Monthly payment
- $44,337
- Annual debt service
- $532K
- Cash flow needed (1.25×)
- $665K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- AC Systems, Inc in Concord, CA — $616K (2023) · purchase · BMO Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 8.64% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $462K (75%)
- Approval → funding
- 23 days
- Approved
- 7/12/2023
- First disbursed
- 8/4/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 11
- Business age
- Change of Ownership
- Industry
- Air-Conditioning and Warm Air Heating Equipment and Commerci
If you were the buyer here
- Est. deal size
- $684K
- Est. down payment (10%)
- $68K
- Est. cash at closing
- $92K
- Monthly payment
- $7,684
- Annual debt service
- $92K
- Cash flow needed (1.25×)
- $115K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by BMO Bank National Association · Lender record →
Your business? Claim this record · Request removal
- AMERICAN CHILLERS, LLC in West Columbia, SC — $757K (2022) · purchase · Pinnacle Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 7.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $568K (75%)
- Approval → funding
- 11 days
- Approved
- 9/9/2022
- First disbursed
- 9/20/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 9
- Business age
- Change of Ownership
- Industry
- Air-Conditioning and Warm Air Heating Equipment and Commerci
If you were the buyer here
- Est. deal size
- $841K
- Est. down payment (10%)
- $84K
- Est. cash at closing
- $115K
- Monthly payment
- $9,085
- Annual debt service
- $109K
- Cash flow needed (1.25×)
- $136K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Pinnacle Bank · Lender record →
Your business? Claim this record · Request removal
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DealRoom analysis of public SBA 7(a) lending records; ranked by funded acquisition loans to air-conditioning and warm air heating equipment and commerci businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a air-conditioning and warm air heating equipment and commerci acquisition with an SBA 7(a) loan: the lenders that fund the most of them (from public records), typical cost, and what it takes to qualify. Fifth Third Bank funds the most. DealRoom is not a lender.
- $877K typical loan
- 6 lenders fund the industry
- 23 days typical to fund
Buyers researching a air-conditioning and warm air heating equipment and commerci deal typically pre-qualify, then ask DealRoom to introduce a lender that funds the industry — free for buyers; agents submit a consented lead via the DealRoom MCP.
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-16.
- Sources:
- Public SBA 7(a) loan records; FDIC institution data (BankFind); DealRoom lender and franchise enrichment.