Lender intelligence
Financing a plumbing, heating, and air-conditioning contractors acquisition in Massachusetts
The SBA 7(a) lenders funding the most plumbing, heating, and air-conditioning contractors acquisitions in Massachusetts, 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 · Massachusetts
Ranked by funded plumbing, heating, and air-conditioning contractors acquisitions in Massachusetts. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.196 loans · $21M · Boston, MAFull record →
- 2.1 loans · $0M · Haverhill, MAFull record →
- 3.12 loans · $14M · Mobile, ALFull record →
- 4.85 loans · $36M · Waterbury, CTFull record →
- 5.3 loans · $1M · Hyannis, MAFull record →
- 6.72 loans · $22M · Rockland, MAFull record →
10+ funded Plumbing, Heating, and Air-Conditioning Contractors in Massachusetts 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.
- Horvitz Plumbing LLC in Dorchester, MA — $1.6M (2025) · purchase · Community Bank & Trust-West Georgia
- Program
- Preferred Lenders Program
- Rate at approval
- 10.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.2M (75%)
- Approval → funding
- 8 days
- Approved
- 3/3/2025
- First disbursed
- 3/11/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 10
- 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%)
- $178K
- Est. cash at closing
- $244K
- Monthly payment
- $21,590
- Annual debt service
- $259K
- Cash flow needed (1.25×)
- $324K
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 Bank & Trust-West Georgia
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- MAKARA INC in Middleborough, MA — $1.4M (2024) · purchase · Eastern Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 7.86% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.0M (75%)
- Approval → funding
- 20 days
- Approved
- 7/12/2024
- First disbursed
- 8/1/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 46
- Business age
- Change of Ownership
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
If you were the buyer here
- Est. deal size
- $1.5M
- Est. down payment (10%)
- $150K
- Est. cash at closing
- $206K
- Monthly payment
- $16,280
- Annual debt service
- $195K
- Cash flow needed (1.25×)
- $244K
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 Eastern Bank · Lender record →
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- THOMAS E. SNOWDEN, INC. in Middleton, MA — $429K (2024) · purchase · Pentucket Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 7.99% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $322K (75%)
- Approval → funding
- 16 days
- Approved
- 5/15/2024
- First disbursed
- 5/31/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 21
- Business age
- Change of Ownership
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
If you were the buyer here
- Est. deal size
- $477K
- Est. down payment (10%)
- $48K
- Est. cash at closing
- $64K
- Monthly payment
- $5,203
- Annual debt service
- $62K
- Cash flow needed (1.25×)
- $78K
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 Pentucket Bank · Lender record →
Your business? Claim this record · Request removal
- THOMAS E. SNOWDEN, INC. in Middleton, MA — $250K (2024) · purchase · Pentucket Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $125K (50%)
- Approval → funding
- 16 days
- Approved
- 5/15/2024
- First disbursed
- 5/31/2024
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 21
- Business age
- Change of Ownership
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
If you were the buyer here
- Est. deal size
- $278K
- Est. down payment (10%)
- $28K
- Est. cash at closing
- $37K
- Monthly payment
- $3,235
- Annual debt service
- $39K
- Cash flow needed (1.25×)
- $49K
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 Pentucket Bank · Lender record →
Your business? Claim this record · Request removal
- MAKARA INC in Middleborough, MA — $200K (2024) · purchase · Eastern Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 11% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $100K (50%)
- Approval → funding
- 19 days
- Approved
- 7/13/2024
- First disbursed
- 8/1/2024
- Loan status
- Current
- Loan type
- Revolving line
- 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
- $222K
- Est. down payment (10%)
- $22K
- Est. cash at closing
- $30K
- Monthly payment
- $2,755
- Annual debt service
- $33K
- Cash flow needed (1.25×)
- $41K
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 Eastern Bank · Lender record →
Your business? Claim this record · Request removal
- PIPING SYSTEMS INSTALLATIONS, LLC in Assonet, MA — $4.5M (2023) · purchase · Webster Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 8.25% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $3.4M (75%)
- Approval → funding
- 5 days
- Approved
- 4/28/2023
- First disbursed
- 5/3/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 108
- Business age
- Change of Ownership
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
If you were the buyer here
- Est. deal size
- $5.0M
- Est. down payment (10%)
- $500K
- Est. cash at closing
- $692K
- Monthly payment
- $55,194
- Annual debt service
- $662K
- Cash flow needed (1.25×)
- $828K
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 Webster Bank National Association · Lender record →
Your business? Claim this record · Request removal
- Excel Mechanical Holdings, LLC in Tewksbury, MA — $4.0M (2023) · purchase · 22nd State Bank, A Division of 22nd State Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 10.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $3.0M (75%)
- Approval → funding
- 7 days
- Approved
- 7/7/2023
- First disbursed
- 7/14/2023
- Loan status
- Paid in full (4/30/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 19
- Business age
- Change of Ownership
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
If you were the buyer here
- Est. deal size
- $4.4M
- Est. down payment (10%)
- $439K
- Est. cash at closing
- $607K
- Monthly payment
- $53,299
- Annual debt service
- $640K
- Cash flow needed (1.25×)
- $799K
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 22nd State Bank, A Division of 22nd State Banking Company · Lender record →
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- Romeo Echo Echo Delta Holdings Inc. in Marstons Mills, MA — $350K (2023) · purchase · Cape and Coast Bank
- Program
- 7a General
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $263K (75%)
- Approval → funding
- 13 days
- Approved
- 1/11/2023
- First disbursed
- 1/24/2023
- 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
- Plumbing, Heating, and Air-Conditioning Contractors
If you were the buyer here
- Est. deal size
- $389K
- Est. down payment (10%)
- $39K
- Est. cash at closing
- $52K
- Monthly payment
- $4,529
- Annual debt service
- $54K
- Cash flow needed (1.25×)
- $68K
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 Cape and Coast Bank · Lender record →
Your business? Claim this record · Request removal
- Welch Brothers Company, Inc. in Lowell, MA — $320K (2022) · purchase · Rockland Trust Company
- Program
- 7a General
- Rate at approval
- 4.5% fixed
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $240K (75%)
- Approval → funding
- 51 days
- Approved
- 2/8/2022
- First disbursed
- 3/31/2022
- 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
- $356K
- Est. down payment (10%)
- $36K
- Est. cash at closing
- $48K
- Monthly payment
- $4,448
- Annual debt service
- $53K
- Cash flow needed (1.25×)
- $67K
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 Rockland Trust Company · Lender record →
Your business? Claim this record · Request removal
- Cyberdyne Systems, Inc. in Leominster, MA — $1.8M (2020) · purchase · Beacon Bank and Trust
- Program
- 7a General
- Rate at approval
- 5.25% variable
- Term
- 174 months
- SBA guaranteed
- $1.3M (75%)
- Approval → funding
- 4 days
- Approved
- 9/20/2020
- First disbursed
- 9/24/2020
- 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
- Plumbing, Heating, and Air-Conditioning Contractors
If you were the buyer here
- Est. deal size
- $1.9M
- Est. down payment (10%)
- $194K
- Est. cash at closing
- $267K
- Monthly payment
- $14,388
- Annual debt service
- $173K
- Cash flow needed (1.25×)
- $216K
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 Beacon Bank and Trust · 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 Massachusetts project address.
Agent summary
How to finance a plumbing, heating, and air-conditioning contractors acquisition in Massachusetts with an SBA 7(a) loan: the lenders that fund the most of them here (from public records), with the real funded Massachusetts deals. Eastern Bank funds the most here. DealRoom is not a lender.
- $549K typical loan
- 8 lenders active in Massachusetts
- 10+ funded Massachusetts deals
- 16 days typical to fund
Buyers buying a plumbing, heating, and air-conditioning contractors in Massachusetts 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.