SBA lending record
VS Cooling Inc
4403 15TH AVENUE STE 413, Brooklyn, NY 11219 · 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.
$3.8M
Total SBA financing
7
Loans on record
FY2020–26
On record
90
Jobs supported
● business — business location is the ZIP-area centroid from the public record
Is VS Cooling Inc 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 7 loans
$150,000 — FY2026
Loan 1 of 7- Gross approval
- $150,000
- SBA guaranteed
- $127,500 (85%)
- Status
- Current
- Rate at approval
- 9.75% v
- Term
- 120 mo (10 yr)
- Program
- Preferred Lenders Program
- Subprogram
- Guaranty
- Loan type
- Term loan
- Purpose
- Other / working capital
- Approved
- 11/13/2025
- First disbursement
- 12/4/2025
- Days to fund
- 21 days
- Collateral
- Required
- Sold on secondary market
- Yes
- 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
- Celtic Bank Corporation
- Address
- 4403 15TH AVE STE 413
- City
- Brooklyn, 11219
- County
- Kings
- SBA district office
- NEW YORK DISTRICT OFFICE
- Congressional district
- 7
$2,227,500 — FY2025
Loan 2 of 7- Gross approval
- $2,227,500
- SBA guaranteed
- $1,670,625 (75%)
- Status
- Current
- Rate at approval
- 10% v
- Term
- 120 mo (10 yr)
- Program
- 7a General
- Subprogram
- Guaranty
- Loan type
- Term loan
- Purpose
- Other / working capital
- Approved
- 11/15/2024
- First disbursement
- 12/13/2024
- Days to fund
- 28 days
- Collateral
- Required
- Sold on secondary market
- Yes
- Jobs supported
- 32
- Business type
- Corporation
- Business age
- Existing or more than 2 years old
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
- NAICS code
- 238220
- Address
- 1436 43rd St
- City
- Brooklyn, 11219
- County
- Kings
- SBA district office
- NEW YORK DISTRICT OFFICE
- Congressional district
- 7
$500,000 — FY2024
Loan 3 of 7- Gross approval
- $500,000
- SBA guaranteed
- $375,000 (75%)
- Status
- Current
- Rate at approval
- 11.25% v
- Term
- 120 mo (10 yr)
- Program
- Preferred Lenders Program
- Subprogram
- Guaranty
- Loan type
- Term loan
- Purpose
- Other / working capital
- Approved
- 7/1/2024
- First disbursement
- 8/1/2024
- Days to fund
- 31 days
- Collateral
- Required
- Sold on secondary market
- Yes
- Jobs supported
- 15
- Business type
- Corporation
- Business age
- Existing or more than 2 years old
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
- NAICS code
- 238220
- Lender
- Readycap Lending, LLC
- Address
- 1536 43rd St
- City
- Brooklyn, 11219
- County
- Kings
- SBA district office
- NEW YORK DISTRICT OFFICE
- Congressional district
- 7
$250,000 — FY2023
Loan 4 of 7- Gross approval
- $250,000
- SBA guaranteed
- $125,000 (50%)
- Status
- Current
- Rate at approval
- 11.5% v
- Term
- 120 mo (10 yr)
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Loan type
- Term loan
- Purpose
- Other / working capital
- Approved
- 9/21/2023
- First disbursement
- 10/11/2023
- Days to fund
- 20 days
- Collateral
- None
- Jobs supported
- 23
- Business type
- Corporation
- Business age
- Existing or more than 2 years old
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
- NAICS code
- 238220
- Address
- 1540 43RD ST
- City
- Brooklyn, 11219
- County
- Kings
- SBA district office
- NEW YORK DISTRICT OFFICE
- Congressional district
- 7
$100,000 — FY2021
Loan 5 of 7- Gross approval
- $100,000
- SBA guaranteed
- $75,000 (75%)
- Status
- Paid in full
- Rate at approval
- 7% v
- Term
- 120 mo (10 yr)
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Loan type
- Term loan
- Purpose
- Other / working capital
- Approved
- 2/12/2021
- First disbursement
- 2/17/2021
- Days to fund
- 5 days
- Paid in full
- 10/31/2023
- Collateral
- None
- Jobs supported
- 6
- Business type
- Corporation
- Business age
- Existing or more than 2 years old
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
- NAICS code
- 238220
- Address
- 1540 43rd St
- City
- Brooklyn, 11219
- County
- Kings
- SBA district office
- NEW YORK DISTRICT OFFICE
- Congressional district
- 7
$350,000 — FY2021
Loan 6 of 7- Gross approval
- $350,000
- SBA guaranteed
- $262,500 (75%)
- Status
- Current
- Rate at approval
- 6% v
- Term
- 120 mo (10 yr)
- Program
- Preferred Lenders Program
- Subprogram
- Guaranty
- Loan type
- Term loan
- Purpose
- Other / working capital
- Approved
- 11/12/2020
- First disbursement
- 1/4/2021
- Days to fund
- 53 days
- Collateral
- Required
- Sold on secondary market
- Yes
- Jobs supported
- 5
- Business type
- Corporation
- Business age
- Existing or more than 2 years old
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
- NAICS code
- 238220
- Address
- 1540 43RD ST
- City
- Brooklyn, 11219
- County
- Kings
- SBA district office
- NEW YORK DISTRICT OFFICE
- Congressional district
- 7
$200,000 — FY2020
Loan 7 of 7- Gross approval
- $200,000
- SBA guaranteed
- $100,000 (50%)
- Status
- Paid in full
- Rate at approval
- 5.25% v
- Term
- 120 mo (10 yr)
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Loan type
- Term loan
- Purpose
- Other / working capital
- Approved
- 4/2/2020
- First disbursement
- 4/30/2020
- Days to fund
- 28 days
- Paid in full
- 4/30/2025
- Collateral
- None
- Business type
- Corporation
- Business age
- Existing or more than 2 years old
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
- NAICS code
- 238220
- Address
- 4403 15TH AVENUE STE 413
- City
- Brooklyn, 11219
- County
- Kings
- SBA district office
- NEW YORK DISTRICT OFFICE
- Congressional district
- 7
The lenders
Manufacturers and Traders Trust Company
2 loans to this businessFull SBA lending record + branches on the lender page →TD Bank, National Association
1 loan to this businessFull SBA lending record + branches on the lender page →The Huntington National Bank
1 loan to this businessFull SBA lending record + branches on the lender page →Ponce Bank National Association
1 loan to this businessCeltic Bank Corporation
1 loan to this businessFull SBA lending record + branches on the lender page →Find SBA lenders for businesses like this
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Similar businesses
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FORWARD MECHANICAL CORP
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Agent summary
This page summarizes the public SBA 7(a) lending record for VS Cooling Inc in Brooklyn, NY (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.
- 7 SBA 7(a) loans totaling $3.8M
- On record FY2020–26
- 90 jobs supported
- Industry: Plumbing, Heating, and Air-Conditioning Contractors
- Location: Brooklyn, NY
- Lenders: Manufacturers and Traders Trust Company, TD Bank, National Association, The Huntington National 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 NY for ~$540k 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.
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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 VS Cooling Inc.