Financing a plumbing, heating, and air-conditioning contractors acquisition

The SBA 7(a) lenders that fund the most plumbing, heating, and air-conditioning contractors acquisitions, ranked from public loan records — where the typical deal runs about $549K. A lender that does your industry every week underwrites faster and prices sharper than one seeing it for the first time.

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Most active in plumbing, heating, and air-conditioning contractors

Ranked by funded plumbing, heating, and air-conditioning contractors acquisitions. Tap a lender to open its full record, or hit Get in touch for an introduction.

1.1,296 loans · $1.4B · Wilmington, NCFull record →
2.2,539 loans · $965M · Columbus, OHFull record →
3.168 loans · $205M · Fishers, INFull record →
4.242 loans · $281M · Chicago, ILFull record →
5.116 loans · $120M · Evansville, INFull record →
6.1,927 loans · $207M · Buffalo, NYFull record →
7.105 loans · $164M · Brookline, MAFull record →
8.104 loans · $100M · Portsmouth, VAFull record →
9.9 loans · $10M · Warren, PAFull record →
10.138 loans · $276M · Sioux Falls, SDFull record →
11.46 loans · $27M · Sartell, MNFull record →
12.47 loans · $39M · Greenville, PAFull record →
13.618 loans · $171M · Salt Lake City, UTFull record →
14.284 loans · $254M · Cincinnati, OHFull record →
15.57 loans · $74M · Winston-Salem, NCFull record →
16.31 loans · $24M · Malvern, PAFull record →
17.60 loans · $40M · Clayton, MOFull record →
18.575 loans · $220M · De Graff, OHFull record →
19.28 loans · $35M · West Memphis, ARFull record →
20.24 loans · $17M · Wayne, PAFull record →
21.53 loans · $101M · Dallas, TXFull record →
22.75 loans · $98M · Sioux Falls, SDFull record →
23.103 loans · $64M · Indiana, PAFull record →
24.12 loans · $14M · Mobile, ALFull record →
25.318 loans · $229M · Osage Beach, MOFull record →

765+ funded plumbing, heating, and air-conditioning contractors 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.

PACIFIC AIR CONTROL, INC. in Bothell, WA — $5.0M (2026) · purchase · First Business Bank

Program: Preferred Lenders Program
Rate at approval: 9.25% variable
Term: 120 mo (10 yrs)
SBA guaranteed: $3.8M (75%)
Approval → funding: 31 days
Approved: 11/14/2025
First disbursed: 12/15/2025
Loan status: Current
Loan type: Term loan
Collateral: Required
Business type: Corporation
Secondary market: Loan sold to investors
Jobs supported: 40
Business age: Change of Ownership
Industry: Plumbing, Heating, and Air-Conditioning Contractors

If you were the buyer here

Est. deal size: $5.6M
Est. down payment (10%): $556K
Est. cash at closing: $769K
Monthly payment: $64,016
Annual debt service: $768K
Cash flow needed (1.25×): $960K

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 First Business Bank · Lender record →

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Llona Plumbing, Pronto Service Pros and National Air Warehouse in Tampa, FL — $4.3M (2026) · purchase · First Internet Bank of Indiana

Program: Preferred Lenders Program
Rate at approval: 9.5% variable
Term: 120 mo (10 yrs)
SBA guaranteed: $3.2M (75%)
Approval → funding: 48 days
Approved: 12/9/2025
First disbursed: 1/26/2026
Loan status: Current
Loan type: Term loan
Collateral: Required
Business type: Corporation
Jobs supported: 34
Business age: Change of Ownership
Industry: Plumbing, Heating, and Air-Conditioning Contractors

If you were the buyer here

Est. deal size: $4.8M
Est. down payment (10%): $478K
Est. cash at closing: $661K
Monthly payment: $55,641
Annual debt service: $668K
Cash flow needed (1.25×): $835K

Funded by First Internet Bank of Indiana · Lender record →

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Biotech Leasing, LLC in Littleton, CO — $3.7M (2026) · purchase · Fortis Bank

Program: 7a General
Term: 120 mo (10 yrs)
SBA guaranteed: $2.8M (75%)
Approved: 2/19/2026
Loan status: Cancelled
Loan type: Term loan
Collateral: Required
Business type: Corporation
Jobs supported: 20
Business age: Change of Ownership
Industry: Plumbing, Heating, and Air-Conditioning Contractors

If you were the buyer here

Est. deal size: $4.1M
Est. down payment (10%): $413K
Est. cash at closing: $570K
Est. monthly payment: $48,581
Annual debt service: $583K
Cash flow needed (1.25×): $729K

Estimates only — not guaranteed accurate. The loan amountand 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 Fortis Bank · Lender record →

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Biotech Leasing, LLC in Littleton, CO — $3.7M (2026) · purchase · Fortis Bank

Program: 7a General
Rate at approval: 7.75% variable
Term: 120 mo (10 yrs)
SBA guaranteed: $2.8M (75%)
Approval → funding: 3 days
Approved: 2/24/2026
First disbursed: 2/27/2026
Loan status: Current
Loan type: Term loan
Collateral: Required
Business type: Corporation
Jobs supported: 20
Business age: Change of Ownership
Industry: Plumbing, Heating, and Air-Conditioning Contractors

If you were the buyer here

Est. deal size: $4.1M
Est. down payment (10%): $413K
Est. cash at closing: $570K
Monthly payment: $44,584
Annual debt service: $535K
Cash flow needed (1.25×): $669K

Funded by Fortis Bank · Lender record →

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APS, LLC in Kansas City, MO — $3.0M (2026) · purchase · Pathward National Association

Program: Preferred Lenders Program
Rate at approval: 9% variable
Term: 120 mo (10 yrs)
SBA guaranteed: $2.3M (75%)
Approval → funding: 50 days
Approved: 12/1/2025
First disbursed: 1/20/2026
Loan status: Current
Loan type: Term loan
Collateral: Required
Business type: Corporation
Secondary market: Loan sold to investors
Jobs supported: 16
Business age: Change of Ownership
Industry: Plumbing, Heating, and Air-Conditioning Contractors

If you were the buyer here

Est. deal size: $3.4M
Est. down payment (10%): $336K
Est. cash at closing: $464K
Monthly payment: $38,319
Annual debt service: $460K
Cash flow needed (1.25×): $575K

Funded by Pathward National Association · Lender record →

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STOUT'S HEATING & AC in Santa Rosa, CA — $2.9M (2026) · purchase · Live Oak Banking Company

Program: Preferred Lenders Program
Rate at approval: 8.5% variable
Term: 120 mo (10 yrs)
SBA guaranteed: $2.2M (75%)
Approval → funding: 49 days
Approved: 11/20/2025
First disbursed: 1/8/2026
Loan status: Current
Loan type: Term loan
Collateral: Required
Business type: Corporation
Secondary market: Loan sold to investors
Jobs supported: 13
Business age: Change of Ownership
Industry: Plumbing, Heating, and Air-Conditioning Contractors

If you were the buyer here

Est. deal size: $3.2M
Est. down payment (10%): $322K
Est. cash at closing: $445K
Monthly payment: $35,956
Annual debt service: $431K
Cash flow needed (1.25×): $539K

Funded by Live Oak Banking Company · Lender record →

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Underwood Plumbing & Septic Services LLC in Bonham, TX — $2.5M (2026) · purchase · Byline Bank

Program: Preferred Lenders Program
Rate at approval: 9.25% variable
Term: 120 mo (10 yrs)
SBA guaranteed: $1.9M (75%)
Approval → funding: 2 days
Approved: 12/29/2025
First disbursed: 12/31/2025
Loan status: Current
Loan type: Term loan
Collateral: Required
Business type: Corporation
Jobs supported: 30
Business age: Change of Ownership
Industry: Plumbing, Heating, and Air-Conditioning Contractors

If you were the buyer here

Est. deal size: $2.8M
Est. down payment (10%): $278K
Est. cash at closing: $383K
Monthly payment: $32,008
Annual debt service: $384K
Cash flow needed (1.25×): $480K

Funded by Byline Bank · Lender record →

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Leone Contractors LLC in Rochester, NY — $2.5M (2026) · purchase · Manufacturers and Traders Trust Company

Program: Preferred Lenders Program
Rate at approval: 8.25% fixed
Term: 120 mo (10 yrs)
SBA guaranteed: $1.8M (75%)
Approved: 2/25/2026
Loan status: Committed
Loan type: Term loan
Collateral: Required
Business type: Corporation
Jobs supported: 9
Business age: Change of Ownership
Industry: Plumbing, Heating, and Air-Conditioning Contractors

If you were the buyer here

Est. deal size: $2.7M
Est. down payment (10%): $272K
Est. cash at closing: $375K
Monthly payment: $30,050
Annual debt service: $361K
Cash flow needed (1.25×): $451K

Funded by Manufacturers and Traders Trust Company · Lender record →

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CHESHIRE HOME SERVICES LLC in Jasper, GA — $2.3M (2026) · purchase · Live Oak Banking Company

Program: Preferred Lenders Program
Rate at approval: 8.25% variable
Term: 120 mo (10 yrs)
SBA guaranteed: $1.7M (75%)
Approval → funding: 18 days
Approved: 12/12/2025
First disbursed: 12/30/2025
Loan status: Current
Loan type: Term loan
Collateral: Required
Business type: Corporation
Secondary market: Loan sold to investors
Jobs supported: 18
Business age: Change of Ownership
Industry: Plumbing, Heating, and Air-Conditioning Contractors

If you were the buyer here

Est. deal size: $2.6M
Est. down payment (10%): $256K
Est. cash at closing: $352K
Monthly payment: $28,210
Annual debt service: $339K
Cash flow needed (1.25×): $423K

Funded by Live Oak Banking Company · Lender record →

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Kelair, Inc. in Brewster, NY — $2.3M (2026) · purchase · The Huntington National Bank

Program: Preferred Lenders Program
Rate at approval: 9.5% variable
Term: 120 mo (10 yrs)
SBA guaranteed: $1.7M (75%)
Approved: 3/5/2026
Loan status: Committed
Loan type: Term loan
Collateral: Required
Business type: Corporation
Jobs supported: 16
Business age: Change of Ownership
Industry: Plumbing, Heating, and Air-Conditioning Contractors

If you were the buyer here

Est. deal size: $2.5M
Est. down payment (10%): $250K
Est. cash at closing: $345K
Monthly payment: $29,153
Annual debt service: $350K
Cash flow needed (1.25×): $437K

Funded by The Huntington National Bank · Lender record →

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Blue Flame Heating & Cooling, Inc. in Flint, MI — $2.2M (2026) · purchase · Byline Bank

Program: Preferred Lenders Program
Rate at approval: 9% variable
Term: 120 mo (10 yrs)
SBA guaranteed: $1.7M (75%)
Approval → funding: 29 days
Approved: 1/29/2026
First disbursed: 2/27/2026
Loan status: Current
Loan type: Term loan
Collateral: Required
Business type: Corporation
Jobs supported: 13
Business age: Change of Ownership
Industry: Plumbing, Heating, and Air-Conditioning Contractors

If you were the buyer here

Est. deal size: $2.5M
Est. down payment (10%): $247K
Est. cash at closing: $340K
Monthly payment: $28,122
Annual debt service: $337K
Cash flow needed (1.25×): $422K

Funded by Byline Bank · Lender record →

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LONG'S HTG & A/C, INC. in Corpus Christi, TX — $2.2M (2026) · purchase · Celtic Bank Corporation

Program: Preferred Lenders Program
Rate at approval: 9.25% variable
Term: 216 mo (18 yrs)
SBA guaranteed: $1.7M (75%)
Approved: 1/30/2026
Loan status: Committed
Loan type: Term loan
Collateral: Required
Business type: Corporation
Jobs supported: 12
Business age: Change of Ownership
Industry: Plumbing, Heating, and Air-Conditioning Contractors

If you were the buyer here

Est. deal size: $2.5M
Est. down payment (10%): $245K
Est. cash at closing: $338K
Monthly payment: $21,032
Annual debt service: $252K
Cash flow needed (1.25×): $315K

Funded by Celtic Bank Corporation · Lender record →

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Four Seasons Comfort, LLC in Sheboygan, WI — $2.2M (2026) · purchase · UnitedOne Credit Union

Program: 7a General
Rate at approval: 9.25% fixed
Term: 120 mo (10 yrs)
SBA guaranteed: $1.7M (75%)
Approval → funding: 17 days
Approved: 1/6/2026
First disbursed: 1/23/2026
Loan status: Current
Loan type: Term loan
Collateral: Required
Business type: Corporation
Jobs supported: 18
Business age: Change of Ownership
Industry: Plumbing, Heating, and Air-Conditioning Contractors

If you were the buyer here

Est. deal size: $2.4M
Est. down payment (10%): $245K
Est. cash at closing: $337K
Monthly payment: $28,202
Annual debt service: $338K
Cash flow needed (1.25×): $423K

Funded by UnitedOne Credit Union · Lender record →

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Executive Heating and Cooling I LLC in Punta Gorda, FL — $2.0M (2026) · purchase · Regions Bank

Program: Preferred Lenders Program
Rate at approval: 8.49% fixed
Term: 120 mo (10 yrs)
SBA guaranteed: $1.5M (75%)
Approval → funding: 28 days
Approved: 1/8/2026
First disbursed: 2/5/2026
Loan status: Current
Loan type: Term loan
Collateral: Required
Business type: Corporation
Jobs supported: 17
Business age: Change of Ownership
Industry: Plumbing, Heating, and Air-Conditioning Contractors

If you were the buyer here

Est. deal size: $2.2M
Est. down payment (10%): $219K
Est. cash at closing: $301K
Monthly payment: $24,427
Annual debt service: $293K
Cash flow needed (1.25×): $366K

Funded by Regions Bank · Lender record →

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Ed Broerman Heating & Cooling, Inc. in Tipp City, OH — $1.9M (2026) · purchase · Evolve Bank and Trust

Program: Preferred Lenders Program
Rate at approval: 9% variable
Term: 120 mo (10 yrs)
SBA guaranteed: $1.4M (75%)
Approval → funding: 23 days
Approved: 1/28/2026
First disbursed: 2/20/2026
Loan status: Current
Loan type: Term loan
Collateral: Required
Business type: Corporation
Secondary market: Loan sold to investors
Jobs supported: 35
Business age: Change of Ownership
Industry: Plumbing, Heating, and Air-Conditioning Contractors

If you were the buyer here

Est. deal size: $2.1M
Est. down payment (10%): $213K
Est. cash at closing: $293K
Monthly payment: $24,246
Annual debt service: $291K
Cash flow needed (1.25×): $364K

Funded by Evolve Bank and Trust · Lender record →

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Central Heating and Cooling in Montgomery City, MO — $1.8M (2026) · purchase · U.S. Bank, National Association

Program: Preferred Lenders Program
Rate at approval: 8.88% fixed
Term: 180 mo (15 yrs)
SBA guaranteed: $1.4M (75%)
Approved: 1/30/2026
Loan status: Committed
Loan type: Term loan
Collateral: Required
Business type: Corporation
Jobs supported: 7
Business age: Change of Ownership
Industry: Plumbing, Heating, and Air-Conditioning Contractors

If you were the buyer here

Est. deal size: $2.0M
Est. down payment (10%): $203K
Est. cash at closing: $280K
Monthly payment: $18,444
Annual debt service: $221K
Cash flow needed (1.25×): $277K

Funded by U.S. Bank, National Association · Lender record →

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Alliance Mechanical Services, L.L.C. in Euless, TX — $1.8M (2026) · purchase · Broadway National Bank

Program: Preferred Lenders Program
Rate at approval: 8.25% variable
Term: 120 mo (10 yrs)
SBA guaranteed: $1.4M (75%)
Approval → funding: 13 days
Approved: 12/26/2025
First disbursed: 1/8/2026
Loan status: Current
Loan type: Term loan
Collateral: Required
Business type: Corporation
Jobs supported: 11
Business age: Change of Ownership
Industry: Plumbing, Heating, and Air-Conditioning Contractors

If you were the buyer here

Est. deal size: $2.0M
Est. down payment (10%): $203K
Est. cash at closing: $279K
Monthly payment: $22,425
Annual debt service: $269K
Cash flow needed (1.25×): $336K

Funded by Broadway National Bank · Lender record →

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Witt Mechanical, Inc. in Wixom, MI — $1.8M (2026) · purchase · Live Oak Banking Company

Program: Preferred Lenders Program
Rate at approval: 8.75% variable
Term: 120 mo (10 yrs)
SBA guaranteed: $1.4M (75%)
Approved: 3/31/2026
Loan status: Committed
Loan type: Term loan
Collateral: Required
Business type: Corporation
Jobs supported: 10
Business age: Change of Ownership
Industry: Plumbing, Heating, and Air-Conditioning Contractors

If you were the buyer here

Est. deal size: $2.0M
Est. down payment (10%): $203K
Est. cash at closing: $279K
Monthly payment: $22,872
Annual debt service: $274K
Cash flow needed (1.25×): $343K

Funded by Live Oak Banking Company · Lender record →

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Unified Air Industries Corp in Plainfield, NJ — $1.7M (2026) · purchase · First Merchants Bank

Program: Preferred Lenders Program
Rate at approval: 9.5% variable
Term: 300 mo (25 yrs)
SBA guaranteed: $1.2M (75%)
Approved: 12/19/2025
Loan status: Committed
Loan type: Term loan
Collateral: Required
Business type: Corporation
Jobs supported: 26
Business age: Change of Ownership
Industry: Plumbing, Heating, and Air-Conditioning Contractors

If you were the buyer here

Est. deal size: $1.8M
Est. down payment (10%): $185K
Est. cash at closing: $254K
Monthly payment: $14,512
Annual debt service: $174K
Cash flow needed (1.25×): $218K

Funded by First Merchants Bank · Lender record →

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CRU HVAC LLC in Grand Junction, CO — $1.4M (2026) · purchase · Wintrust Bank National Association

Program: Preferred Lenders Program
Rate at approval: 6.25% fixed
Term: 180 mo (15 yrs)
SBA guaranteed: $1.1M (75%)
Approved: 1/30/2026
Loan status: Committed
Loan type: Term loan
Collateral: Required
Business type: Corporation
Jobs supported: 4
Business age: Change of Ownership
Industry: Plumbing, Heating, and Air-Conditioning Contractors

If you were the buyer here

Est. deal size: $1.6M
Est. down payment (10%): $157K
Est. cash at closing: $215K
Monthly payment: $12,090
Annual debt service: $145K
Cash flow needed (1.25×): $181K

Funded by Wintrust Bank National Association · Lender record →

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Financing a plumbing, heating, and air-conditioning contractors acquisition

Most active in plumbing, heating, and air-conditioning contractors

765+ funded plumbing, heating, and air-conditioning contractors deals

Agent summary

Deal economics— what it takes to buy & finance plumbing, heating, and air-conditioning contractors