1-800-Radiator & A/C, by the numbers

1-800-Radiator & A/C appears in 10 SBA 7(a) loans since 2020 — from public SBA 7(a) loan records (FY2020–present). Every figure below comes from real financed deals: what buyers paid, where, and how the loans performed.

SBA Franchise Directory: listed ✓ (identifier S0007)

10 deals since 2020 · typical deal $606K

Deals since 2020

$606K

Typical deal

Deals since FY2025

—

Too few deals to score risk

1-800-Radiator & A/C has 10 SBA deals on record — real financing history, but too few to score a failure rate you should trust. Underwrite the location and the FDD.

What buyers pay for 1-800-Radiator & A/C

Most 1-800-Radiator & A/C deals financed between $454K and $760K. Above $760K, you're paying more than 75% of buyers did — make the seller earn it.

Your deal size$606K

Monthly payment (10-yr): $7,925
Down payment (10%): $67K
Cash to close (all-in): $90K

Estimates at today's rates and standard 7(a) terms. Not a loan offer.

Could you get the loan?

Three answers. No documents, no credit pull.

Credit score

Available cash (you'll need ~$90K)

Experience

Recent financings

James and Erin Lassus in Upland, CA — $3.2M (2024) · U.S. Bank, National Association
Program
Preferred Lenders Program
Rate at approval
7% fixed
Term
300 mo (25 yrs)
SBA guaranteed
$2.4M (75%)
Approval → funding
4 days
Approved
8/12/2024
First disbursed
8/16/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Individual
Jobs supported
23
Business age
Existing or more than 2 years old
Industry
Motor Vehicle Supplies and New Parts Merchant Wholesalers
Funded by U.S. Bank, National Association · Lender record →
Your business? Claim this record · Request removal
CES Holdings LLC in Lawrenceburg, IN — $750K (2024) · purchase · Civista Bank
Program
7a General
Rate at approval
10.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$563K (75%)
Approval → funding
35 days
Approved
1/26/2024
First disbursed
3/1/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
11
Business age
Change of Ownership
Industry
Automotive Parts and Accessories Retailers
If you were the buyer here
Est. deal size
$833K
Est. down payment (10%)
$83K
Est. cash at closing
$114K
Monthly payment
$10,225
Annual debt service
$123K
Cash flow needed (1.25×)
$153K
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 Civista Bank · Lender record →
Your business? Claim this record · Request removal
AXED WHOLESALE, INC. in Mount Vernon, NY — $500K (2024) · PNC Bank, National Association
Program
Preferred Lenders Program
Rate at approval
7.5% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$375K (75%)
Approval → funding
9 days
Approved
6/5/2024
First disbursed
6/14/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
7
Business age
Startup, Loan Funds will Open Business
Industry
Motor Vehicle Supplies and New Parts Merchant Wholesalers
Funded by PNC Bank, National Association · Lender record →
Your business? Claim this record · Request removal
JEL Limited in Upland, CA — $100K (2024) · U.S. Bank, National Association
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
11.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$50K (50%)
Approval → funding
36 days
Approved
8/12/2024
First disbursed
9/17/2024
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
23
Business age
Existing or more than 2 years old
Industry
Motor Vehicle Supplies and New Parts Merchant Wholesalers
Funded by U.S. Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Vortex Inv - I LLC in Asheville, NC — $606K (2023) · Gulf Coast Bank and Trust Company
Program
Preferred Lenders Program
Rate at approval
10.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$455K (75%)
Approval → funding
14 days
Approved
6/8/2023
First disbursed
6/22/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
1
Business age
New Business or 2 years or less
Industry
Motor Vehicle Supplies and New Parts Merchant Wholesalers
Funded by Gulf Coast Bank and Trust Company · Lender record →
Your business? Claim this record · Request removal
Prism Innovations LLC in Cincinnati, OH — $1.0M (2022) · purchase · The Bancorp Bank National Association
Program
Preferred Lenders Program
Rate at approval
7.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$777K (75%)
Approved
8/17/2022
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
7
Business age
Change of Ownership
Industry
Automotive Parts and Accessories Retailers
If you were the buyer here
Est. deal size
$1.2M
Est. down payment (10%)
$115K
Est. cash at closing
$158K
Monthly payment
$12,293
Annual debt service
$148K
Cash flow needed (1.25×)
$184K
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 The Bancorp Bank National Association · Lender record →
Your business? Claim this record · Request removal
Driven Enterprises QC, Inc. in Blue Grass, IA — $222K (2022) · purchase · BankOrion
Program
7a General
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$167K (75%)
Approval → funding
20 days
Approved
1/11/2022
First disbursed
1/31/2022
Loan status
Paid in full (4/30/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
8
Business age
Change of Ownership
Industry
Motor Vehicle Parts (Used) Merchant Wholesalers
If you were the buyer here
Est. deal size
$247K
Est. down payment (10%)
$25K
Est. cash at closing
$33K
Monthly payment
$2,465
Annual debt service
$30K
Cash flow needed (1.25×)
$37K
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 BankOrion
Your business? Claim this record · Request removal
1-800 Radiator & A/C in El Paso, TX — $550K (2021) · purchase · Newtek Small Business Finance, Inc.
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$495K (90%)
Approval → funding
14 days
Approved
8/17/2021
First disbursed
8/31/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
1
Business age
Change of Ownership
Industry
Motor Vehicle Supplies and New Parts Merchant Wholesalers
If you were the buyer here
Est. deal size
$611K
Est. down payment (10%)
$61K
Est. cash at closing
$82K
Monthly payment
$6,106
Annual debt service
$73K
Cash flow needed (1.25×)
$92K
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 Newtek Small Business Finance, Inc.
Your business? Claim this record · Request removal
1-800 Radiator & A/C in El Paso, TX — $454K (2021) · Newtek Small Business Finance, Inc.
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
300 mo (25 yrs)
SBA guaranteed
$409K (90%)
Approval → funding
19 days
Approved
8/12/2021
First disbursed
8/31/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
1
Business age
Existing or more than 2 years old
Industry
Motor Vehicle Supplies and New Parts Merchant Wholesalers
Funded by Newtek Small Business Finance, Inc.
Your business? Claim this record · Request removal
MSH VENTURES, INC. in Indianapolis, IN — $760K (2020) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
6.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$570K (75%)
Approval → funding
32 days
Approved
1/28/2020
First disbursed
2/29/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
8
Business age
Existing or more than 2 years old
Industry
Motor Vehicle Supplies and New Parts Merchant Wholesalers
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal

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Who funds 1-800-Radiator & A/C — and where

Every dot is a financed 1-800-Radiator & A/C — 10 mapped.

Financed 1-800-Radiator & A/C locations — list all 10 as text

AXED WHOLESALE, INC. — Mount Vernon · $500K · FY2024 · Motor Vehicle Supplies and New Parts Merchant Wholesalers
James and Erin Lassus — Upland · $3.2M · FY2024 · Motor Vehicle Supplies and New Parts Merchant Wholesalers
JEL Limited — Upland · $100K · FY2024 · Motor Vehicle Supplies and New Parts Merchant Wholesalers
Prism Innovations LLC — Cincinnati · $1.0M · FY2022 · Automotive Parts and Accessories Retailers
CES Holdings LLC — Lawrenceburg · $750K · FY2024 · Automotive Parts and Accessories Retailers
Vortex Inv - I LLC — Asheville · $606K · FY2023 · Motor Vehicle Supplies and New Parts Merchant Wholesalers
MSH VENTURES, INC. — Indianapolis · $760K · FY2020 · Motor Vehicle Supplies and New Parts Merchant Wholesalers
Driven Enterprises QC, Inc. — Blue Grass · $222K · FY2022 · Motor Vehicle Parts (Used) Merchant Wholesalers
1-800 Radiator & A/C — El Paso · $454K · FY2021 · Motor Vehicle Supplies and New Parts Merchant Wholesalers
1-800 Radiator & A/C — El Paso · $550K · FY2021 · Motor Vehicle Supplies and New Parts Merchant Wholesalers

Top lenders for this brand

1.U.S. Bank, National Association(2)
2.Newtek Small Business Finance, Inc. (2)
3.PNC Bank, National Association(1)
4.The Bancorp Bank National Association(1)
5.Civista Bank(1)

Most active states

1.California (2 loans)1-800-Radiator & A/C lenders in California->
2.Indiana (2 loans)1-800-Radiator & A/C lenders in Indiana->
3.Texas (2 loans)1-800-Radiator & A/C lenders in Texas->
4.New York (1 loans)1-800-Radiator & A/C lenders in New York->
5.Ohio (1 loans)1-800-Radiator & A/C lenders in Ohio->
6.North Carolina (1 loans)1-800-Radiator & A/C lenders in North Carolina->
7.Iowa (1 loans)1-800-Radiator & A/C lenders in Iowa->

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Insider move

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Who should reach out?

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Common questions

How much does a 1-800-Radiator & A/C cost to buy or open?

The typical deal for 1-800-Radiator & A/C is $606K across 10 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $67K of buyer cash on a typical deal.

How risky is 1-800-Radiator & A/C?

1-800-Radiator & A/C has 10 SBA loans on record since 2020 — too few to score a reliable failure rate. Judge the unit economics and the franchisor's disclosure document, not a small sample.

Can I finance a 1-800-Radiator & A/C with an SBA loan?

Yes — 1-800-Radiator & A/C has been SBA-financed 0 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

Buying a 1-800-Radiator & A/C franchise

Most 1-800-Radiator & A/C buyers finance the purchase or build-out with an SBA 7(a) loan — up to 90% of the cost with roughly 10% down. The typical 1-800-Radiator & A/C deal financed for $606K, which points to about $67K of buyer cash on a typical purchase. 1-800-Radiator & A/C is listed in the SBA Franchise Directory (identifier S0007), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund 1-800-Radiator & A/C — a bank that knows the brand approves faster — or pre-qualify for financing to see your likely loan size first.

AI summary

This profile summarizes public SBA financing activity for 1-800-Radiator & A/C — lender activity, typical loan sizes, financing history, and risk and failure signals where available — via CapBench SBA Intelligence. CapBench is not a lender.

Source: CapBench SBA Intelligence, based on public SBA, lender, franchise, FDIC, and related records. CapBench is not a lender and does not guarantee financing.

Agent summary

This page summarizes public SBA 7(a) financing for 1-800-Radiator & A/C — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. 1-800-Radiator & A/C is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

10 SBA 7(a) deals since 2020
$606K typical deal
0 deals since FY2025
Too few deals to score a reliable failure rate
SBA Franchise Directory: listed (identifier S0007)
Top lenders: U.S. Bank, National Association, Newtek Small Business Finance, Inc., PNC Bank, National Association

Next steps

Check SBA fit Find SBA lenders $9 lender report

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-08-01.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/franchises/1-800-radiator-a-c
API:: https://www.capbench.com/api/public/franchises/1-800-radiator-a-c
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 SBA loan records, not a current offer or franchise availability. Confirm SBA Franchise Directory listing with your lender before an LOI.

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CapBench analysis of public lending records, FY2020–present. Charge-off rate measured on the FY2020–23 cohort. Not affiliated with 1-800-Radiator & A/C.