VARSITY ZONE HEATING AND AIR CONDITIONING, 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 S8103)
5 deals since 2020 · typical deal $277K
5
Deals since 2020
$277K
Typical deal
5
Deals since FY2025
—
Too few deals to score risk
What buyers pay for VARSITY ZONE HEATING AND AIR CONDITIONING
Most VARSITY ZONE HEATING AND AIR CONDITIONING deals financed between $241K and $333K. Above $333K, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $3,855
- Down payment (10%)
- $31K
- Cash to close (all-in)
- $41K
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 ~$41K)
Experience
Recent financings
- Stephens Residential and Commercial Services, Inc. in Clinton, TN — $350K (2026) · American National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $263K (75%)
- Approval → funding
- 17 days
- Approved
- 12/1/2025
- First disbursed
- 12/18/2025
- 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 American National Bank
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- VARSITY ZONE HVAC 119 in San Antonio, TX — $333K (2026) · First Bank of the Lake
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $250K (75%)
- Approval → funding
- 8 days
- Approved
- 12/2/2025
- First disbursed
- 12/10/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 7
- 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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- Logos Collective Inc. in Norwalk, CT — $277K (2026) · First Commonwealth Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $208K (75%)
- Approval → funding
- 16 days
- Approved
- 1/14/2026
- First disbursed
- 1/30/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 1
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
Funded by First Commonwealth Bank · Lender record →
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- Ready Home Services LLC in Houston, TX — $241K (2026) · First Command Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $181K (75%)
- Approval → funding
- 40 days
- Approved
- 1/9/2026
- First disbursed
- 2/18/2026
- Loan status
- Current
- 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 Command Bank · Lender record →
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- Albatross Search Partners LLC in Tampa, FL — $190K (2025) · American National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $143K (75%)
- Approval → funding
- 66 days
- Approved
- 7/15/2025
- First disbursed
- 9/19/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 3
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
Funded by American National Bank
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Who funds VARSITY ZONE HEATING AND AIR CONDITIONING — and where
Every dot is a financed VARSITY ZONE HEATING AND AIR CONDITIONING — 5 mapped.
Financed VARSITY ZONE HEATING AND AIR CONDITIONING locations — list all 5 as text
- Albatross Search Partners LLC — Tampa · $190K · FY2025 · Plumbing, Heating, and Air-Conditioning Contractors
- Stephens Residential and Commercial Services, Inc. — Clinton · $350K · FY2026 · Plumbing, Heating, and Air-Conditioning Contractors
- VARSITY ZONE HVAC 119 — San Antonio · $333K · FY2026 · Plumbing, Heating, and Air-Conditioning Contractors
- Ready Home Services LLC — Houston · $241K · FY2026 · Plumbing, Heating, and Air-Conditioning Contractors
- Logos Collective Inc. — Norwalk · $277K · FY2026 · Plumbing, Heating, and Air-Conditioning Contractors
Top lenders for this brand
- 1.American National Bank (2)
2.First Bank of the Lake(1)
3.First Command Bank(1)
- 4.First Commonwealth Bank (1)
Most active states
- 1.Texas (2 loans)
- 2.Florida (1 loans)
- 3.Tennessee (1 loans)
- 4.Connecticut (1 loans)
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Common questions
How much does a VARSITY ZONE HEATING AND AIR CONDITIONING cost to buy or open?
The typical deal for VARSITY ZONE HEATING AND AIR CONDITIONING is $277K across 5 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $30K of buyer cash on a typical deal.
How risky is VARSITY ZONE HEATING AND AIR CONDITIONING?
VARSITY ZONE HEATING AND AIR CONDITIONING has 5 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 VARSITY ZONE HEATING AND AIR CONDITIONING with an SBA loan?
Yes — VARSITY ZONE HEATING AND AIR CONDITIONING has been SBA-financed 5 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.
Buying a VARSITY ZONE HEATING AND AIR CONDITIONING franchise
Most VARSITY ZONE HEATING AND AIR CONDITIONING 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 VARSITY ZONE HEATING AND AIR CONDITIONING deal financed for $277K, which points to about $30K of buyer cash on a typical purchase. VARSITY ZONE HEATING AND AIR CONDITIONING is listed in the SBA Franchise Directory (identifier S8103), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund VARSITY ZONE HEATING AND AIR CONDITIONING — 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 VARSITY ZONE HEATING AND AIR CONDITIONING — 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 VARSITY ZONE HEATING AND AIR CONDITIONING — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. VARSITY ZONE HEATING AND AIR CONDITIONING is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 5 SBA 7(a) deals since 2020
- $277K typical deal
- 5 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S8103)
- Top lenders: American National Bank, First Bank of the Lake, First Command Bank
- 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 SBA loan records, not a current offer or franchise availability. Confirm SBA Franchise Directory listing with your lender before an LOI.
Still have questions about buying a VARSITY ZONE HEATING AND AIR CONDITIONING?
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CapBench analysis of public lending records, FY2020–present. Charge-off rate measured on the FY2020–23 cohort. Not affiliated with VARSITY ZONE HEATING AND AIR CONDITIONING.