Lender intelligence
Financing a plumbing, heating, and air-conditioning contractors acquisition in Kentucky
The SBA 7(a) lenders funding the most plumbing, heating, and air-conditioning contractors acquisitions in Kentucky, from public loan records. A lender doing your industry in your state every week underwrites faster and prices sharper.
Most active in plumbing, heating, and air-conditioning contractors · Kentucky
Ranked by funded plumbing, heating, and air-conditioning contractors acquisitions in Kentucky. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.42 loans · $19M · Louisville, KYFull record →
- 2.31 loans · $13M · Louisville, KYFull record →
- 3.10 loans · $6M · Louisville, KYFull record →
- 4.24 loans · $13M · Pikeville, KYFull record →
9+ funded Plumbing, Heating, and Air-Conditioning Contractors in Kentucky 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.
- Red Bat Ventures LLC in Shelbyville, KY — $450K (2026) · purchase · Stock Yards Bank & Trust Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 7.74% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $225K (50%)
- Approved
- 2/17/2026
- 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
- $500K
- Est. down payment (10%)
- $50K
- Est. cash at closing
- $67K
- Monthly payment
- $5,398
- Annual debt service
- $65K
- Cash flow needed (1.25×)
- $81K
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 Stock Yards Bank & Trust Company · Lender record →
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- Red Bat Ventures LLC in Shelbyville, KY — $50K (2026) · purchase · Stock Yards Bank & Trust Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 8.25% variable
- Term
- 108 mo (9 yrs)
- SBA guaranteed
- $25K (50%)
- Approved
- 2/11/2026
- Loan status
- Committed
- Loan type
- Revolving line
- 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
- $56K
- Est. down payment (10%)
- $6K
- Est. cash at closing
- $7K
- Monthly payment
- $657
- Annual debt service
- $8K
- Cash flow needed (1.25×)
- $10K
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 Stock Yards Bank & Trust Company · Lender record →
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- Saben, LLC in Louisville, KY — $703K (2025) · purchase · Republic Bank & Trust Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8.99% fixed
- Term
- 96 mo (8 yrs)
- SBA guaranteed
- $527K (75%)
- Approval → funding
- 29 days
- Approved
- 11/7/2024
- First disbursed
- 12/6/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 6
- Business age
- Change of Ownership
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
If you were the buyer here
- Est. deal size
- $781K
- Est. down payment (10%)
- $78K
- Est. cash at closing
- $107K
- Monthly payment
- $10,297
- Annual debt service
- $124K
- Cash flow needed (1.25×)
- $154K
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 Republic Bank & Trust Company · Lender record →
Your business? Claim this record · Request removal
- Feagin's Plumbing, LLC in Mayfield, KY — $181K (2025) · purchase · U.S. Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 8.75% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $136K (75%)
- Approval → funding
- 9 days
- Approved
- 3/12/2025
- First disbursed
- 3/21/2025
- Loan status
- Current
- 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
- $201K
- Est. down payment (10%)
- $20K
- Est. cash at closing
- $27K
- Monthly payment
- $2,271
- Annual debt service
- $27K
- Cash flow needed (1.25×)
- $34K
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 U.S. Bank, National Association · Lender record →
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- Acco, Inc. in Louisville, KY — $1.8M (2024) · purchase · Eclipse Bank Inc
- Program
- 7a General
- Rate at approval
- 11.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.3M (75%)
- Approval → funding
- 12 days
- Approved
- 4/19/2024
- First disbursed
- 5/1/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 22
- 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%)
- $196K
- Est. cash at closing
- $269K
- Monthly payment
- $24,745
- Annual debt service
- $297K
- Cash flow needed (1.25×)
- $371K
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 Eclipse Bank Inc · Lender record →
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- AIR COMFORT OF KY INC in Louisville, KY — $500K (2024) · purchase · Republic Bank & Trust Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8.65% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $375K (75%)
- Approval → funding
- 50 days
- Approved
- 7/12/2024
- First disbursed
- 8/31/2024
- 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
- $556K
- Est. down payment (10%)
- $56K
- Est. cash at closing
- $74K
- Monthly payment
- $6,239
- Annual debt service
- $75K
- Cash flow needed (1.25×)
- $94K
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 Republic Bank & Trust Company · Lender record →
Your business? Claim this record · Request removal
- Howe-Crank Heating And Cooling LLC in Dry Ridge, KY — $293K (2024) · purchase · Republic Bank & Trust Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8.6% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $220K (75%)
- Approval → funding
- 10 days
- Approved
- 10/10/2023
- First disbursed
- 10/20/2023
- Loan status
- Paid in full (9/30/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 2
- Business age
- Change of Ownership
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
If you were the buyer here
- Est. deal size
- $326K
- Est. down payment (10%)
- $33K
- Est. cash at closing
- $44K
- Monthly payment
- $3,652
- Annual debt service
- $44K
- Cash flow needed (1.25×)
- $55K
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 Republic Bank & Trust Company · Lender record →
Your business? Claim this record · Request removal
- RJT LLC in Lexington, KY — $324K (2022) · purchase · Traditional Bank Inc
- Program
- 7a General
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $243K (75%)
- Approval → funding
- 29 days
- Approved
- 1/5/2022
- First disbursed
- 2/3/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 7
- Business age
- Change of Ownership
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
If you were the buyer here
- Est. deal size
- $360K
- Est. down payment (10%)
- $36K
- Est. cash at closing
- $48K
- Monthly payment
- $3,597
- Annual debt service
- $43K
- Cash flow needed (1.25×)
- $54K
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 Traditional Bank Inc
Your business? Claim this record · Request removal
- Watson and Clayton Heating & Cooling, LLC in Frankfort, KY — $280K (2022) · purchase · Community Trust Bank, Inc.
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 4.25% fixed
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $140K (50%)
- Approval → funding
- 8 days
- Approved
- 12/23/2021
- First disbursed
- 12/31/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 8
- Business age
- Change of Ownership
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
If you were the buyer here
- Est. deal size
- $311K
- Est. down payment (10%)
- $31K
- Est. cash at closing
- $42K
- Monthly payment
- $3,860
- Annual debt service
- $46K
- Cash flow needed (1.25×)
- $58K
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 Community Trust Bank, Inc. · 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 plumbing, heating, and air-conditioning contractors businesses with a Kentucky project address.
Agent summary
How to finance a plumbing, heating, and air-conditioning contractors acquisition in Kentucky with an SBA 7(a) loan: the lenders that fund the most of them here (from public records), with the real funded Kentucky deals. Republic Bank & Trust Company funds the most here. DealRoom is not a lender.
- $549K typical loan
- 6 lenders active in Kentucky
- 9+ funded Kentucky deals
- 12 days typical to fund
Buyers buying a plumbing, heating, and air-conditioning contractors in Kentucky typically pre-qualify, then ask DealRoom to introduce a lender active here — free for buyers; agents submit a consented lead via the DealRoom MCP.
Next steps
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-16.