Compare the top 211 SBA lenders for HVAC & Plumbing Contractors businesses. $572.1M funded in 2025. Average rate 10.10%. Get matched free.
Best Plumbing, Heating, and Air-Conditioning SBA Lenders of 2026
SBA Loans for Plumbing, Heating, and Air-Conditioning Businesses
The HVAC & Plumbing Contractors industry received $572.1M in SBA 7(a) loans across 1,252 businesses in 2025. With 211 lenders actively funding this industry, finding the right bank can make a significant difference in your rates and approval odds.
Working with an experienced SBA loan broker who understands the Plumbing, Heating, and Air-Conditioning industry can help you access lenders that specialize in your business type.
💡 Key Insight: The average SBA loan for Plumbing, Heating, and Air-Conditioning businesses is $457K with an average rate of 10.10%. Lenders who specialize in this industry often offer better terms and faster approvals.
SBA Loans by Business Type
Here’s how SBA 7(a) loans break down for Plumbing, Heating, and Air-Conditioning businesses by business stage:
🚀 Startups
22%
$95.9M • 279 loans
🏢 Existing Businesses
66%
$287.2M • 828 loans
🔄 Business Acquisitions
12%
$188.6M • 144 loans
Top 50 SBA Lenders for Plumbing, Heating, and Air-Conditioning (2025)
These are the banks that funded the most SBA 7(a) loan volume to Plumbing, Heating, and Air-Conditioning businesses, ranked by total volume:
| Rank | Lender | Volume | Loans | Avg Rate |
|---|
| 1 |
Live Oak Banking Company | $51.1M | 51 | 9.74% |
| 2 |
First Internet Bank of Indiana | $44.8M | 30 | 9.93% |
| 3 |
The Huntington National Bank | $25.9M | 91 | 9.64% |
| 4 |
Northeast Bank | $24.1M | 120 | 10.93% |
| 5 |
Newtek Bank, National Association | $18.6M | 46 | 10.69% |
| 6 |
U.S. Bank, National Association | $16.0M | 111 | 10.16% |
| 7 |
United Midwest Savings Bank National Association | $14.6M | 49 | 10.15% |
| 8 |
JPMorgan Chase Bank, National Association | $13.3M | 33 | 9.99% |
| 9 |
TD Bank, National Association | $12.7M | 66 | 10.18% |
| 10 |
Wells Fargo Bank National Association | $11.1M | 24 | 8.78% |
| 11 |
Pathward National Association | $9.5M | 7 | 9.36% |
| 12 |
Readycap Lending, LLC | $8.8M | 29 | 11.66% |
| 13 |
Byline Bank | $8.0M | 7 | 9.75% |
| 14 |
Meridian Bank | $8.0M | 7 | 9.46% |
| 15 |
Truliant FCU | $6.5M | 6 | 10.13% |
| 16 |
Cadence Bank | $6.1M | 14 | 10.20% |
| 17 |
Bank of America, National Association | $6.0M | 10 | 7.25% |
| 18 |
Port 51 Lending LLC | $5.8M | 4 | 9.94% |
| 19 |
T Bank, National Association | $5.8M | 3 | 9.92% |
| 20 |
Climate First Bank | $5.6M | 5 | 10.05% |
| 21 |
The Fidelity Bank | $5.5M | 5 | 9.85% |
| 22 |
Old National Bank | $5.5M | 7 | 8.49% |
| 23 |
Heritage Bank Inc | $5.3M | 3 | 9.67% |
| 24 |
Stock Yards Bank & Trust Company | $5.0M | 2 | 7.75% |
| 25 |
Grasshopper Bank National Association | $5.0M | 9 | 11.03% |
| 26 |
Gainey Business Bank | $5.0M | 1 | 9.50% |
| 27 |
First Business Bank | $5.0M | 1 | 9.25% |
| 28 |
BayFirst National Bank | $4.9M | 31 | 11.94% |
| 29 |
First Savings Bank | $4.9M | 3 | 9.58% |
| 30 |
SouthState Bank, National Association | $4.8M | 4 | 9.06% |
| 31 |
Harvest Small Business Finance, LLC | $4.8M | 8 | 9.91% |
| 32 |
Enterprise Bank & Trust | $4.8M | 3 | 7.83% |
| 33 |
Manufacturers and Traders Trust Company | $4.8M | 35 | 11.35% |
| 34 |
First Bank of Central Ohio | $4.7M | 1 | 9.50% |
| 35 |
Washington Trust Bank | $4.7M | 6 | 8.83% |
| 36 |
Bell Bank | $4.7M | 2 | 9.00% |
| 37 |
Banner Bank | $4.6M | 5 | 8.95% |
| 38 |
Lendistry SBLC, LLC | $4.4M | 20 | 11.94% |
| 39 |
Hancock Whitney Bank | $4.3M | 2 | 10.00% |
| 40 |
First Bank of the Lake | $4.3M | 5 | 10.30% |
| 41 |
Falcon National Bank | $4.2M | 3 | 8.83% |
| 42 |
Celtic Bank Corporation | $4.2M | 13 | 10.56% |
| 43 |
Harborstone CU | $4.2M | 4 | 9.69% |
| 44 |
Zions Bank, A Division of | $4.1M | 24 | 9.92% |
| 45 |
CenTrust Bank, A Division of SmartBiz Bank National Associat | $3.9M | 18 | 11.44% |
| 46 |
South Central Bank, Inc. | $3.8M | 1 | 7.50% |
| 47 |
Dream First Bank National Association | $3.7M | 1 | 7.00% |
| 48 |
Banc of California | $3.7M | 3 | 7.83% |
| 49 |
Cogent Bank | $3.5M | 1 | 9.75% |
| 50 |
First Commonwealth Bank | $3.3M | 5 | 9.95% |
🚀 Best Lenders for Plumbing, Heating, and Air-Conditioning Startups
Starting a new plumbing, heating, and air-conditioning business? These lenders funded the most startup loans in this industry:
🔄 Best Lenders for Plumbing, Heating, and Air-Conditioning Acquisitions
Looking to buy an existing plumbing, heating, and air-conditioning business? These lenders specialize in acquisition financing:
🏢 Best Lenders for Existing Plumbing, Heating, and Air-Conditioning Businesses
Already running an established plumbing, heating, and air-conditioning business? These lenders have funded the most loans to existing businesses in your industry:
Top States for Plumbing, Heating, and Air-Conditioning SBA Loans
Here are the states with the highest SBA lending volume for Plumbing, Heating, and Air-Conditioning businesses:
| Rank | State | Volume | Loans |
|---|
| 1 |
California | $67.3M | 145 |
| 2 |
Florida | $64.9M | 119 |
| 3 |
Texas | $49.9M | 105 |
| 4 |
Colorado | $36.1M | 53 |
| 5 |
Arizona | $29.2M | 40 |
| 6 |
New York | $26.2M | 79 |
| 7 |
New Jersey | $23.5M | 43 |
| 8 |
Pennsylvania | $21.7M | 55 |
| 9 |
Washington | $20.6M | 43 |
| 10 |
Oregon | $18.7M | 29 |
| 11 |
Ohio | $15.9M | 47 |
| 12 |
Kentucky | $14.7M | 19 |
| 13 |
North Carolina | $13.7M | 29 |
| 14 |
Massachusetts | $12.7M | 33 |
| 15 |
Indiana | $12.0M | 20 |
| 16 |
Missouri | $11.5M | 20 |
| 17 |
Wisconsin | $11.4M | 26 |
| 18 |
Michigan | $9.8M | 31 |
| 19 |
Georgia | $9.1M | 14 |
| 20 |
Utah | $8.8M | 18 |
| 21 |
Minnesota | $8.3M | 31 |
| 22 |
Virginia | $7.8M | 14 |
| 23 |
Illinois | $7.8M | 25 |
| 24 |
Connecticut | $6.3M | 19 |
| 25 |
Idaho | $6.2M | 21 |
| 26 |
Alabama | $6.1M | 11 |
| 27 |
Louisiana | $5.9M | 8 |
| 28 |
South Carolina | $5.6M | 20 |
| 29 |
Kansas | $5.5M | 6 |
| 30 |
Nevada | $4.3M | 19 |
| 31 |
Iowa | $3.7M | 6 |
| 32 |
Maine | $3.6M | 3 |
| 33 |
Rhode Island | $3.3M | 5 |
| 34 |
Tennessee | $3.2M | 15 |
| 35 |
Montana | $2.7M | 5 |
| 36 |
Maryland | $2.5M | 14 |
| 37 |
Arkansas | $2.3M | 10 |
| 38 |
Nebraska | $1.9M | 7 |
| 39 |
West Virginia | $1.9M | 5 |
| 40 |
Oklahoma | $1.7M | 8 |
| 41 |
New Hampshire | $1.4M | 10 |
| 42 |
New Mexico | $1.1M | 6 |
| 43 |
Vermont | $360K | 2 |
| 44 |
South Dakota | $354K | 2 |
| 45 |
Mississippi | $225K | 2 |
| 46 |
Hawaii | $200K | 4 |
| 47 |
Puerto Rico | $130K | 3 |
| 48 |
North Dakota | $25K | 1 |
| 49 |
District of Columbia | $25K | 1 |
| 50 |
Delaware | $19K | 1 |
Top Cities for Plumbing, Heating, and Air-Conditioning SBA Loans
🤝 Why Use an SBA Broker for Plumbing, Heating, and Air-Conditioning Loans?
GoSBA Loans has extensive experience financing Plumbing, Heating, and Air-Conditioning businesses:
- Industry expertise — we know which lenders specialize in Plumbing, Heating, and Air-Conditioning
- Access to 211+ lenders — including banks that don’t accept direct applications
- Better rates — our relationships help secure competitive terms
- Faster approvals — proper preparation leads to quicker decisions
- Free service — lenders pay us, you pay nothing extra
📞 Get Expert Help with Your Plumbing, Heating, and Air-Conditioning SBA Loan
Our team specializes in SBA financing for Plumbing, Heating, and Air-Conditioning businesses. Let us match you with the right lender for your specific needs.
Need SBA financing for your Plumbing, Heating, and Air-Conditioning business? GoSBA Loans specializes in SBA loans for Plumbing, Heating, and Air-Conditioning businesses. Contact our industry specialists today for a free consultation.
Explore Other Industries
