Home & Trade Services · lender intelligence

How to finance a Aire Serv in Texas

State:

The SBA 7(a) lenders funding the most Aire Serv deals in Texas, from public loan records — typical Aire Serv loan about $275K. A bank already funding the brand in your state knows it twice over.

Deal economics— what it takes to buy & finance Aire Serv in Texas

$275K

Typical loan

range $150K–$350K

$306K

Est. purchase price

≈ loan ÷ 90%

$40,869

Cash to close

$30,556 down + fees

$3,788/mo

Typical payment

~11% · 10yr

$52,274/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

24 days

Typical time to fund

Lenders competing

more = leverage

9.08%

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 Aire Serv in Texas

Ranked by funded Aire Serv loans in Texas. Tap a lender for its full record, or hit Get in touch for an introduction.

1.575 loans · $220M · De Graff, OHFull record →
2.2,539 loans · $965M · Columbus, OHFull record →

9+ funded Aire Serv in Texas 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.

MANE POINTE LLC dba Aire Serv of Pearland in Pearland, TX — $350K (2026) · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$263K (75%)
Approval → funding
50 days
Approved
1/13/2026
First disbursed
3/4/2026
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 United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
1 Banks C LLC dba Aire Serv of Houston Midtown in Houston, TX — $275K (2025) · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$206K (75%)
Approval → funding
55 days
Approved
3/6/2025
First disbursed
4/30/2025
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 United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
C-RYTR Enterprise, LLC dba Aire Serv of Sugar Land in Richmond, TX — $300K (2024) · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
11.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$225K (75%)
Approval → funding
23 days
Approved
2/3/2024
First disbursed
2/26/2024
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 United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
DarkSide Group, LLC dba Aire Serv of Southeastern El Paso in Horizon City, TX — $200K (2024) · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
11.25% variable
Term
105 months
SBA guaranteed
$150K (75%)
Approval → funding
13 days
Approved
1/10/2024
First disbursed
1/23/2024
Loan status
Failed — $189K charged off (4/1/2026)
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 United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
AIRE SERV OF RIVER OAKS in Houston, TX — $350K (2023) · Newtek Small Business Finance, Inc.
Program
Preferred Lenders Program
Rate at approval
10.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$263K (75%)
Approved
3/29/2023
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Existing or more than 2 years old
Industry
Plumbing, Heating, and Air-Conditioning Contractors
Funded by Newtek Small Business Finance, Inc.
Your business? Claim this record · Request removal
JSA Heating and Air, LLC in Grand Prairie, TX — $150K (2021) · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$135K (90%)
Approval → funding
2 days
Approved
3/2/2021
First disbursed
3/4/2021
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 United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
URESTI GROUP LTD CO in Killeen, TX — $350K (2020) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
7.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$263K (75%)
Approved
12/10/2019
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
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
Home Services Holdings LLC dba Aire Serv of River Oaks in Houston, TX — $150K (2020) · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
7.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$128K (85%)
Approval → funding
24 days
Approved
11/6/2019
First disbursed
11/30/2019
Loan status
Paid in full (11/30/2023)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
5
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 →
Your business? Claim this record · Request removal
South of the Well Services, LLC in Spring, TX — $150K (2020) · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
7.5% variable
Term
84 mo (7 yrs)
SBA guaranteed
$128K (85%)
Approval → funding
92 days
Approved
11/29/2019
First disbursed
2/29/2020
Loan status
Failed — $125K charged off (4/11/2023)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
4
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 →
Your business? Claim this record · Request removal

Buying a Aire Serv in Texas? Start with a lender that funds them here

We'll point you to the SBA lenders already financing this brand in your state — and help you make them compete on rate and speed.

Free · No documents · Usually same-day

Backed by data on 1,000+ SBA lenders and 300,000+ funded deals. Your details go only to lending partners you ask to be matched with — never sold to advertisers.

By submitting, I agree that CapBench may share my contact information with SBA lending partners and loan brokers (including partners who compensate CapBench), and that they and CapBench may contact me about financing by phone, email, and text — including via autodialed or prerecorded calls and messages — at the phone number and email I provide. Consent is not a condition of any purchase or service, and message and data rates may apply. CapBench is not a lender and makes no credit decision.

CapBench analysis of public SBA 7(a) lending records; ranked by funded Aire Serv loans with a Texas project address. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Aire Serv purchase in Texas with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded Texas deals. United Midwest Savings Bank National Association funds the most here. CapBench is not a lender.

$275K typical Aire Serv loan
3 lenders active in Texas
9+ funded Texas deals
24 days typical to fund

Buyers buying a Aire Serv in Texas typically pre-qualify, then ask CapBench to introduce a lender already funding the brand here — free for buyers; agents submit a consented lead via the CapBench MCP.

Next steps

Pre-qualify this deal Talk to a loan broker All Aire Serv lenders

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/lenders/franchise/aire-serv/texas
API:: https://www.capbench.com/api/public/lenders?franchise=aire-serv
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.