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

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

10

Deals since 2020

$606K

Typical deal

0

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.

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
  • CES Holdings LLC in Lawrenceburg, IN — $750K (2024) · purchase · Civista Bank
  • AXED WHOLESALE, INC. in Mount Vernon, NY — $500K (2024) · PNC Bank, National Association
  • JEL Limited in Upland, CA — $100K (2024) · U.S. Bank, National Association
  • Vortex Inv - I LLC in Asheville, NC — $606K (2023) · Gulf Coast Bank and Trust Company
  • Prism Innovations LLC in Cincinnati, OH — $1.0M (2022) · purchase · The Bancorp Bank National Association
  • Driven Enterprises QC, Inc. in Blue Grass, IA — $222K (2022) · purchase · BankOrion
  • 1-800 Radiator & A/C in El Paso, TX — $550K (2021) · purchase · Newtek Small Business Finance, Inc.
  • 1-800 Radiator & A/C in El Paso, TX — $454K (2021) · Newtek Small Business Finance, Inc.
  • MSH VENTURES, INC. in Indianapolis, IN — $760K (2020) · The Huntington National Bank

Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.

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1-800-Radiator & A/C brand mark

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

Most active states

  1. 1.California (2 loans)
  2. 2.Indiana (2 loans)
  3. 3.Texas (2 loans)
  4. 4.New York (1 loans)
  5. 5.Ohio (1 loans)
  6. 6.North Carolina (1 loans)
  7. 7.Iowa (1 loans)

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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 fitFind SBA lenders$9 lender report
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.
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.

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