Best HVAC & Plumbing Contractors SBA Lenders of 2026

Compare the top 211 SBA lenders for HVAC & Plumbing Contractors businesses. $572.1M funded in 2025. Average rate 10.10%. Get matched free.

Table of Contents

Best Plumbing, Heating, and Air-Conditioning SBA Lenders of 2026

$572.1M
Total Funded

1,252
Loans Approved

$457K
Avg Loan Size

10.10%
Avg Interest Rate

211
Active Lenders

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:

Rank Lender Startup Volume Loans Avg Rate
1 First Internet Bank of Indiana $12.6M 7 9.93%
2 United Midwest Savings Bank National Association $12.4M 46 10.20%
3 U.S. Bank, National Association $6.0M 36 10.04%
4 Pathward National Association $4.8M 3 9.42%
5 SouthState Bank, National Association $4.4M 2 7.88%
6 The Huntington National Bank $4.1M 17 9.77%
7 Wells Fargo Bank National Association $4.1M 9 11.01%
8 First Bank of the Lake $3.7M 3 9.33%
9 First Commonwealth Bank $3.3M 5 9.95%
10 Heritage Bank Inc $2.3M 1 9.50%

🔄 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:

Rank Lender Acquisition Volume Loans Avg Rate
1 Live Oak Banking Company $32.4M 22 9.34%
2 First Internet Bank of Indiana $21.4M 15 9.88%
3 The Huntington National Bank $14.0M 16 9.28%
4 Byline Bank $7.4M 6 9.71%
5 Port 51 Lending LLC $5.1M 3 9.83%
6 T Bank, National Association $5.1M 2 10.00%
7 Gainey Business Bank $5.0M 1 9.50%
8 First Business Bank $5.0M 1 9.25%
9 Truliant FCU $4.9M 4 10.19%
10 The Fidelity Bank $4.9M 2 9.25%

🏢 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:

Rank Lender Volume Loans Avg Rate
1 Northeast Bank $22.4M 108 10.91%
2 Live Oak Banking Company $17.9M 25 10.00%
3 Newtek Bank, National Association $17.1M 42 10.64%
4 JPMorgan Chase Bank, National Association $12.3M 30 9.96%
5 TD Bank, National Association $11.7M 51 10.25%
6 First Internet Bank of Indiana $10.9M 8 10.00%
7 U.S. Bank, National Association $9.8M 74 10.24%
8 The Huntington National Bank $7.8M 58 9.70%
9 Readycap Lending, LLC $7.1M 26 11.83%
10 Wells Fargo Bank National Association $7.0M 15 7.43%

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

Fort Myers, Fl

$8.3M
Volume

6
Loans

Tampa, Fl

$5.6M
Volume

6
Loans

Mesa, Az

$5.5M
Volume

3
Loans

Dallas, Tx

$5.5M
Volume

6
Loans

El Cajon, Ca

$5.3M
Volume

5
Loans

San Antonio, Tx

$5.1M
Volume

11
Loans

Los Angeles, Ca

$5.0M
Volume

6
Loans

Atlantic Beach, Fl

$5.0M
Volume

3
Loans

Dayton, Ky

$5.0M
Volume

1
Loans

Bothell, Wa

$5.0M
Volume

1
Loans

Phoenix, Az

$5.0M
Volume

10
Loans

Aurora, Co

$4.9M
Volume

3
Loans

Montrose, Co

$4.8M
Volume

2
Loans

Berne, In

$4.7M
Volume

1
Loans

Albany, Ny

$4.7M
Volume

1
Loans

Powhatan, Va

$4.6M
Volume

2
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.

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Ishan Jetley

Ishan Jetley is the owner of GoSBA Loans. I have assisted 100's of businesses with their business loans. I specialize in SBA financing for working capital, real estate and business acquisitions.
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