SBA lending record
PHILO HVAC LLC
560 Pioneer Trl, Cedar Springs, MI 49319 · Plumbing, Heating, and Air-Conditioning Contractors. The complete public SBA 7(a) record for this business — every loan, every field, the lender, and the map.
$650K
Total SBA financing
3
Loans on record
FY2025
On record
23
Jobs supported
● business — business location is the ZIP-area centroid from the public record
Is PHILO HVAC LLC your business?
This record comes from public government lending data. Claim it to correct the details or tell your story — or ask us to take it down.
All 3 loans
$250,000 — FY2025
Loan 1 of 3- Gross approval
- $250,000
- SBA guaranteed
- $187,500 (75%)
- Status
- Cancelled
- Rate at approval
- 10.25% v
- Term
- 120 mo (10 yr)
- Program
- Preferred Lenders Program
- Subprogram
- Guaranty
- Loan type
- Term loan
- Purpose
- Other / working capital
- Approved
- 3/20/2025
- Collateral
- Required
- Jobs supported
- 9
- Business type
- Corporation
- Business age
- Existing or more than 2 years old
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
- NAICS code
- 238220
- Lender
- Northeast Bank
- Address
- 560 Pioneer Trl
- City
- Cedar Springs, 49319
- County
- Kent
- SBA district office
- MICHIGAN DISTRICT OFFICE
- Congressional district
- 3
$250,000 — FY2025
Loan 2 of 3- Gross approval
- $250,000
- SBA guaranteed
- $187,500 (75%)
- Status
- Cancelled
- Rate at approval
- 10.25% v
- Term
- 120 mo (10 yr)
- Program
- Preferred Lenders Program
- Subprogram
- Guaranty
- Loan type
- Term loan
- Purpose
- Other / working capital
- Approved
- 3/24/2025
- Collateral
- Required
- Jobs supported
- 7
- Business type
- Corporation
- Business age
- Existing or more than 2 years old
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
- NAICS code
- 238220
- Lender
- Northeast Bank
- Address
- 11591 Northland Dr NE
- City
- Rockford, 49341
- County
- Kent
- SBA district office
- MICHIGAN DISTRICT OFFICE
- Congressional district
- 3
$150,000 — FY2025
Loan 3 of 3- Gross approval
- $150,000
- SBA guaranteed
- $127,500 (85%)
- Status
- Current
- Rate at approval
- 10.25% v
- Term
- 120 mo (10 yr)
- Program
- Preferred Lenders Program
- Subprogram
- Guaranty
- Loan type
- Term loan
- Purpose
- Other / working capital
- Approved
- 6/9/2025
- First disbursement
- 7/7/2025
- Days to fund
- 28 days
- Collateral
- Required
- Sold on secondary market
- Yes
- Jobs supported
- 7
- Business type
- Corporation
- Business age
- Existing or more than 2 years old
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
- NAICS code
- 238220
- Lender
- Northeast Bank
- Address
- 11591 Northland Dr NE
- City
- Rockford, 49341
- County
- Kent
- SBA district office
- MICHIGAN DISTRICT OFFICE
- Congressional district
- 3
The lender
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Agent summary
This page summarizes the public SBA 7(a) lending record for PHILO HVAC LLC in Cedar Springs, MI (Plumbing, Heating, and Air-Conditioning Contractors). CapBench compiles public SBA loan data, lender activity, and business signals to help buyers and advisors evaluate acquisition financing — it does not list this business for sale.
- 3 SBA 7(a) loans totaling $650K
- On record FY2025
- 23 jobs supported
- Industry: Plumbing, Heating, and Air-Conditioning Contractors
- Location: Cedar Springs, MI
- Lender: Northeast Bank
Buyers researching a deal like this usually check lender fit next: see the SBA lenders most active with Plumbing, Heating, and Air-Conditioning Contractors businesses in MI for ~$217k deals, then pre-qualify for 7(a) financing before making an offer. CapBench can arrange a lender introduction — free for buyers.
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
- Sources:
- Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
- Methodology:
- Sources & methodology
- Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
- Figures come from public records and CapBench methodology; verify before relying on them.
- Financing figures are historical loan records, not a current offer or a loan approval. CapBench is not a lender.
Is PHILO HVAC LLC your business?
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CapBench listing built from public SBA 7(a) lending records. Figures are as reported; verify before relying on them. Not affiliated with PHILO HVAC LLC.