Home & Trade Services · lender intelligence
How to finance a 1-Tom-Plumber
The SBA 7(a) lenders funding the most 1-Tom-Plumber deals, ranked from public loan records — typical 1-Tom-Plumber loan about $334K. A bank that has funded the brand knows the model — faster approvals, better terms.
Deal economics— what it takes to buy & finance 1-Tom-Plumber
$334K
Typical loan
range $150K–$350K
$371K
Est. purchase price
≈ loan ÷ 90%
$49,577
Cash to close
$37,067 down + fees
$4,595/mo
Typical payment
~11% · 10yr
$63,411/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
27 days
Typical time to fund
11
Lenders competing
more = leverage
9.35%
Avg rate on record
cap ~9.75%
Estimates for planning, not an offer — derived from the typical funded loan at today's Prime over 10yr. Not a credit decision.
Most active with 1-Tom-Plumber
Ranked by funded 1-Tom-Plumber loans. Tap a lender to open its full record, or hit Get in touch for an introduction.
- 1.1,927 loans · $207M · Buffalo, NYFull record →
- 2.1 loans · $2M · Exton, PAFull record →
- 3.149 loans · $135M · Mukwonago, WIFull record →
- 4.1 loans · $0M · St. Louis, MOFull record →
- 5.328 loans · $134M · Cleveland, OHFull record →
- 6.33 loans · $15M · Minneapolis, MNFull record →
- 7.154 loans · $26M · San Diego, CAFull record →
- 8.52 loans · $50M · Rockville, MDFull record →
- 9.79 loans · $53M · Gulfport, MSFull record →
- 10.2,539 loans · $965M · Columbus, OHFull record →
- 11.62 loans · $26M · Oklahoma City, OKFull record →
18+ funded 1-Tom-Plumber deals
Real SBA 7(a) acquisitions from public records — see who got funded, for how much, and by which lender. Tap any deal for the full record.
- GCL Solutions Group LLC in Mountainside, NJ — $477K (2026) · Manufacturers and Traders Trust Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $358K (75%)
- Approved
- 2/13/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
Funded by Manufacturers and Traders Trust Company · Lender record →
Your business? Claim this record · Request removal
- Coast View Plumbing Inc. in Anaheim, CA — $350K (2026) · CDC Small Business Finance Corp.
- Program
- Preferred Lenders Program
- Rate at approval
- 10% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $263K (75%)
- Approval → funding
- 67 days
- Approved
- 11/17/2025
- First disbursed
- 1/23/2026
- 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 CDC Small Business Finance Corp. · Lender record →
Your business? Claim this record · Request removal
- D&N NY Enterprises LLC in Hamburg, NY — $334K (2026) · Manufacturers and Traders Trust Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $250K (75%)
- Approved
- 1/27/2026
- Loan status
- Committed
- 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 Manufacturers and Traders Trust Company · Lender record →
Your business? Claim this record · Request removal
- D&N NY Enterprises LLC in Hamburg, NY — $50K (2026) · Manufacturers and Traders Trust Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 8.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $25K (50%)
- Approved
- 1/27/2026
- 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 Manufacturers and Traders Trust Company · Lender record →
Your business? Claim this record · Request removal
- GCL Solutions Group LLC in Mountainside, NJ — $50K (2026) · Manufacturers and Traders Trust Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 8.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $25K (50%)
- Approved
- 2/13/2026
- Loan status
- Committed
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
Funded by Manufacturers and Traders Trust Company · Lender record →
Your business? Claim this record · Request removal
- KTB Plumbing LLC in Minnetonka, MN — $308K (2025) · First Resource Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 8.5% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $231K (75%)
- Approval → funding
- 1 days
- Approved
- 5/5/2025
- First disbursed
- 5/6/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 6
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
Funded by First Resource Bank · Lender record →
Your business? Claim this record · Request removal
- KTB Plumbing LLC in Minnetonka, MN — $150K (2025) · First Resource Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 8.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $75K (50%)
- Approved
- 5/6/2025
- Loan status
- Committed
- Loan type
- Revolving line
- 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 First Resource Bank · Lender record →
Your business? Claim this record · Request removal
- Emergency Plumbers of Texas LLC in Houston, TX — $877K (2024) · Capital Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 126 months
- SBA guaranteed
- $657K (75%)
- Approval → funding
- 64 days
- Approved
- 9/6/2024
- First disbursed
- 11/9/2024
- Loan status
- Current
- 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 Capital Bank, National Association · Lender record →
Your business? Claim this record · Request removal
- Blue Ridge Plumbing and Drain, LLC in Arden, NC — $360K (2024) · First Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $270K (75%)
- Approved
- 3/20/2024
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 15
- Business age
- New Business or 2 years or less
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
Funded by First Bank · Lender record →
Your business? Claim this record · Request removal
- Manasota Emergency Plumbing LLC in Sarasota, FL — $325K (2024) · Hancock Whitney Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $244K (75%)
- Approval → funding
- 13 days
- Approved
- 9/17/2024
- First disbursed
- 9/30/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 3
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
Funded by Hancock Whitney Bank · Lender record →
Your business? Claim this record · Request removal
- Blue Ridge Plumbing and Drain, LLC in Arden, NC — $100K (2024) · First Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $50K (50%)
- Approved
- 3/20/2024
- Loan status
- Cancelled
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 15
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
Funded by First Bank · Lender record →
Your business? Claim this record · Request removal
- 1TP Tulsa, LLC in Tulsa, OK — $340K (2023) · CRF Small Business Loan Company, LLC
- Program
- Preferred Lenders Program
- Rate at approval
- 10.5% variable
- Term
- 123 months
- SBA guaranteed
- $255K (75%)
- Approval → funding
- 12 days
- Approved
- 3/3/2023
- First disbursed
- 3/15/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 8
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
Funded by CRF Small Business Loan Company, LLC · Lender record →
Your business? Claim this record · Request removal
- RNB Plumbing in Huntsville, AL — $335K (2023) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 123 months
- SBA guaranteed
- $251K (75%)
- Approval → funding
- 27 days
- Approved
- 5/11/2023
- First disbursed
- 6/7/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 9
- Business age
- Existing or more than 2 years old
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- Eagle Emergency Plumbing LLC in Woodinville, WA — $165K (2023) · KeyBank National Association
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 11% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $83K (50%)
- Approval → funding
- 28 days
- Approved
- 9/7/2023
- First disbursed
- 10/5/2023
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
Funded by KeyBank National Association · Lender record →
Your business? Claim this record · Request removal
- Eagle Emergency Plumbing LLC in Woodinville, WA — $85K (2023) · KeyBank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 11% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $72K (85%)
- Approval → funding
- 28 days
- Approved
- 9/7/2023
- First disbursed
- 10/5/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 10
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
Funded by KeyBank National Association · Lender record →
Your business? Claim this record · Request removal
- ANR Plumbing LLC in Louisville, KY — $486K (2022) · Citizens Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6.75% variable
- Term
- 123 months
- SBA guaranteed
- $364K (75%)
- Approval → funding
- 46 days
- Approved
- 6/30/2022
- First disbursed
- 8/15/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 8
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
Funded by Citizens Bank · Lender record →
Your business? Claim this record · Request removal
- Tabber Holdings, LLC in Piedmont, OK — $344K (2022) · BancFirst
- Program
- Preferred Lenders Program
- Rate at approval
- 5.5% variable
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $258K (75%)
- Approval → funding
- 19 days
- Approved
- 4/15/2022
- First disbursed
- 5/4/2022
- Loan status
- In liquidation
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 2
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
Funded by BancFirst · Lender record →
Your business? Claim this record · Request removal
- Initech Plumbing LLC in Lawrenceville, GA — $254K (2022) · Citizens Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.75% variable
- Term
- 122 months
- SBA guaranteed
- $190K (75%)
- Approval → funding
- 6 days
- Approved
- 1/25/2022
- First disbursed
- 1/31/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 10
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
Funded by Citizens Bank · Lender record →
Your business? Claim this record · Request removal
Buying a 1-Tom-Plumber? Start with a lender that has funded the brand
We'll point you to the SBA lenders already financing this brand — and help you make them compete on rate and speed.
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CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to 1-Tom-Plumber businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a 1-Tom-Plumber purchase with an SBA 7(a) loan: the lenders that fund the brand most (from public records), the typical loan size, and what it takes to qualify. Manufacturers and Traders Trust Company funds the most. CapBench is not a lender.
- $334K typical 1-Tom-Plumber loan
- 11 lenders fund the brand
- 27 days typical to fund
Buyers researching a 1-Tom-Plumber typically pre-qualify for SBA 7(a) financing next, then ask CapBench to introduce a lender that already funds the brand — free for buyers; agents can submit a consented lead via the CapBench MCP.
- 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.