One Hour Air Conditioning & Heating, by the numbers
One Hour Air Conditioning & Heating appears in 29 SBA 7(a) loans since 2020, with a 0% cohort charge-off (failure) rate — 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 S1219)
29 deals since 2020 · typical deal $200K · 0% failure rate
29
Deals since 2020
$200K
Typical deal
13
Deals since FY2025
0%
Failure rate (FY20–23)
What buyers pay for One Hour Air Conditioning & Heating
Most One Hour Air Conditioning & Heating deals financed between $139K and $250K. Above $250K, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $2,957
- Down payment (10%)
- $22K
- Cash to close (all-in)
- $30K
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 ~$30K)
Experience
Recent financings
- JOYI HOLDINGS, LLC in Seattle, WA — $312K (2026) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $234K (75%)
- Approved
- 2/17/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
Funded by The Huntington National Bank · Lender record →
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- GOVBRIDGE SOLUTIONS LLC in Seattle, WA — $300K (2026) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $225K (75%)
- Approval → funding
- 20 days
- Approved
- 11/18/2025
- First disbursed
- 12/8/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 5
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
Funded by The Huntington National Bank · Lender record →
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- BMac HVAC Inc in Downsville, LA — $221K (2026) · First Bank of the Lake
- Program
- Preferred Lenders Program
- Rate at approval
- 9% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $165K (75%)
- Approved
- 1/30/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
Funded by First Bank of the Lake · Lender record →
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- NUMBER33 GROUP, INC. in Leonard, MI — $200K (2026) · United Midwest Savings Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $150K (75%)
- Approved
- 3/31/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 6
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
Funded by United Midwest Savings Bank National Association · Lender record →
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- GOVBRIDGE SOLUTIONS LLC in Seattle, WA — $50K (2026) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $25K (50%)
- Approved
- 11/18/2025
- Loan status
- Committed
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 5
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
Funded by The Huntington National Bank · Lender record →
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- JOYI HOLDINGS, LLC in Seattle, WA — $38K (2026) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $19K (50%)
- Approved
- 2/17/2026
- Loan status
- Committed
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
Funded by The Huntington National Bank · Lender record →
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- SWB Company, LLC in Chattanooga, TN — $2.7M (2025) · purchase · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 8.99% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $2.0M (75%)
- Approval → funding
- 93 days
- Approved
- 10/23/2024
- First disbursed
- 1/24/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Change of Ownership
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
If you were the buyer here
- Est. deal size
- $3.0M
- Est. down payment (10%)
- $297K
- Est. cash at closing
- $409K
- Monthly payment
- $33,808
- Annual debt service
- $406K
- Cash flow needed (1.25×)
- $507K
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 Huntington National Bank · Lender record →
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- One Hour Heating & Air Conditioning in San Diego, CA — $500K (2025) · Readycap Lending, LLC
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $375K (75%)
- Approval → funding
- 90 days
- Approved
- 4/23/2025
- First disbursed
- 7/22/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 19
- Business age
- Existing or more than 2 years old
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
Funded by Readycap Lending, LLC · Lender record →
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- Luipasco Enterprises LLC in San Antonio, TX — $280K (2025) · Magnifi Financial CU
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $210K (75%)
- Approval → funding
- 14 days
- Approved
- 3/25/2025
- First disbursed
- 4/8/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 7
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
Funded by Magnifi Financial CU · Lender record →
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- SWB Company, LLC in Chattanooga, TN — $200K (2025) · purchase · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $100K (50%)
- Approval → funding
- 141 days
- Approved
- 10/23/2024
- First disbursed
- 3/13/2025
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Change of Ownership
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
If you were the buyer here
- Est. deal size
- $222K
- Est. down payment (10%)
- $22K
- Est. cash at closing
- $30K
- Monthly payment
- $2,615
- Annual debt service
- $31K
- Cash flow needed (1.25×)
- $39K
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 Huntington National Bank · Lender record →
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Who funds One Hour Air Conditioning & Heating — and where
Every dot is a financed One Hour Air Conditioning & Heating — 29 mapped.
Financed One Hour Air Conditioning & Heating locations — list all 29 as text
- ELR Endeavors, LLC — River Falls · $225K · FY2023 · Plumbing, Heating, and Air-Conditioning Contractors
- MRK MECHANICAL LLC — Naperville · $273K · FY2023 · Plumbing, Heating, and Air-Conditioning Contractors
- MRK MECHANICAL LLC — Naperville · $25K · FY2023 · Plumbing, Heating, and Air-Conditioning Contractors
- Earle's Comfort Plus, Inc. — Columbus · $150K · FY2025 · Plumbing, Heating, and Air-Conditioning Contractors
- GOVBRIDGE SOLUTIONS LLC — Seattle · $300K · FY2026 · Plumbing, Heating, and Air-Conditioning Contractors
- GOVBRIDGE SOLUTIONS LLC — Seattle · $50K · FY2026 · Plumbing, Heating, and Air-Conditioning Contractors
- BMac HVAC Inc — Downsville · $221K · FY2026 · Plumbing, Heating, and Air-Conditioning Contractors
- JOYI HOLDINGS, LLC — Seattle · $38K · FY2026 · Plumbing, Heating, and Air-Conditioning Contractors
- JOYI HOLDINGS, LLC — Seattle · $312K · FY2026 · Plumbing, Heating, and Air-Conditioning Contractors
- NUMBER33 GROUP, INC. — Leonard · $200K · FY2026 · Plumbing, Heating, and Air-Conditioning Contractors
- Luipasco Enterprises LLC — San Antonio · $280K · FY2025 · Plumbing, Heating, and Air-Conditioning Contractors
- One Hour Heating & Air Conditioning — San Diego · $500K · FY2025 · Plumbing, Heating, and Air-Conditioning Contractors
- PAPAMAHI LLC — Jacksonville · $150K · FY2022 · Plumbing, Heating, and Air-Conditioning Contractors
- Weber Tech Service Company — Red Oak · $205K · FY2024 · Plumbing, Heating, and Air-Conditioning Contractors
- Weber Tech Service Company — Red Oak · $20K · FY2024 · Plumbing, Heating, and Air-Conditioning Contractors
- H & J Services LLC — Abingdon · $250K · FY2024 · Plumbing, Heating, and Air-Conditioning Contractors
- JK&Smith LLC — Hutto · $139K · FY2024 · Plumbing, Heating, and Air-Conditioning Contractors
- SWB Company, LLC — Chattanooga · $200K · FY2025 · Plumbing, Heating, and Air-Conditioning Contractors
- SWB Company, LLC — Chattanooga · $2.7M · FY2025 · Plumbing, Heating, and Air-Conditioning Contractors
- CoolBreeze Corp. dba ONE HOUR HEATING AND AIR CONDITIONING — Fullerton · $200K · FY2025 · Plumbing, Heating, and Air-Conditioning Contractors
- Bruno Heating and Air Conditioning LLC — Fort Worth · $150K · FY2024 · Plumbing, Heating, and Air-Conditioning Contractors
- RM COMFORT INSTALLATION INC dba ONE HOUR HEATING AND AIR CONDITIONING — Manalapan · $150K · FY2025 · Plumbing, Heating, and Air-Conditioning Contractors
- WOLFPACK 313 LLC — Teaneck · $215K · FY2023 · Air-Conditioning and Warm Air Heating Equipment and Commerci
- H & J Services LLC — Abingdon · $200K · FY2023 · Plumbing, Heating, and Air-Conditioning Contractors
- H & J Services LLC — Abingdon · $25K · FY2023 · Plumbing, Heating, and Air-Conditioning Contractors
- B&G Air Long Island Corp — Deer Park · $50K · FY2020 · Plumbing, Heating, and Air-Conditioning Contractors
- AIR CONDITIONING EXPERTS INC — West Palm Beach · $115K · FY2022 · Plumbing, Heating, and Air-Conditioning Contractors
- S.N.S. Heating & Air, LLC — Kannapolis · $225K · FY2022 · Plumbing, Heating, and Air-Conditioning Contractors
- BKB ENTERRISES, LLC — Springfield · $990K · FY2021 · Plumbing, Heating, and Air-Conditioning Contractors
Top lenders for this brand
Most active states
- 1.Texas (5 loans)One Hour Air Conditioning & Heating lenders in Texas->
- 2.Washington (4 loans)One Hour Air Conditioning & Heating lenders in Washington->
- 3.Maryland (3 loans)One Hour Air Conditioning & Heating lenders in Maryland->
- 4.Illinois (2 loans)One Hour Air Conditioning & Heating lenders in Illinois->
- 5.California (2 loans)One Hour Air Conditioning & Heating lenders in California->
- 6.Florida (2 loans)One Hour Air Conditioning & Heating lenders in Florida->
- 7.Tennessee (2 loans)One Hour Air Conditioning & Heating lenders in Tennessee->
- 8.New Jersey (2 loans)One Hour Air Conditioning & Heating lenders in New Jersey->
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Common questions
How much does a One Hour Air Conditioning & Heating cost to buy or open?
The typical deal for One Hour Air Conditioning & Heating is $200K across 29 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $22K of buyer cash on a typical deal.
How risky is One Hour Air Conditioning & Heating?
0% of One Hour Air Conditioning & Heating's FY2020–23 deals failed and were written off. Under 1% is excellent; 1–3% is normal; above 3% deserves hard questions before the LOI.
Can I finance a One Hour Air Conditioning & Heating with an SBA loan?
Yes — One Hour Air Conditioning & Heating has been SBA-financed 13 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.
Buying a One Hour Air Conditioning & Heating franchise
Most One Hour Air Conditioning & Heating 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 One Hour Air Conditioning & Heating deal financed for $200K, which points to about $22K of buyer cash on a typical purchase. One Hour Air Conditioning & Heating is listed in the SBA Franchise Directory (identifier S1219), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund One Hour Air Conditioning & Heating — 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 One Hour Air Conditioning & Heating — 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 One Hour Air Conditioning & Heating — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. One Hour Air Conditioning & Heating is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 29 SBA 7(a) deals since 2020
- $200K typical deal
- 13 deals since FY2025
- 0% failure rate (FY20–23 cohort)
- SBA Franchise Directory: listed (identifier S1219)
- Top lenders: The Huntington National Bank, United Midwest Savings Bank National Association, Univest Bank and Trust Co
- 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.
- 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 One Hour Air Conditioning & Heating.