Home & Trade Services · lender intelligence
How to finance a One Hour Air Conditioning & Heating
The SBA 7(a) lenders funding the most One Hour Air Conditioning & Heating deals, ranked from public loan records — typical One Hour Air Conditioning & Heating loan about $200K, 0% failure rate across 29 loans. A bank that has funded the brand knows the model — faster approvals, better terms.
Deal economics— what it takes to buy & finance One Hour Air Conditioning & Heating
$200K
Typical loan
range $139K–$250K
$222K
Est. purchase price
≈ loan ÷ 90%
$29,722
Cash to close
$22,222 down + fees
$2,928/mo
Typical payment
~12.5% · 10yr
$40,406/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
28 days
Typical time to fund
13
Lenders competing
more = leverage
9.5%
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 One Hour Air Conditioning & Heating
Ranked by funded One Hour Air Conditioning & Heating loans. Tap a lender to open its full record, or hit Get in touch for an introduction.
- 1.2,539 loans · $965M · Columbus, OHFull record →
- 2.575 loans · $220M · De Graff, OHFull record →
- 3.32 loans · $21M · Souderton, PAFull record →
- 4.70 loans · $22M · Melrose, MNFull record →
- 5.5 loans · $2M · Hager City, WIFull record →
- 6.318 loans · $229M · Osage Beach, MOFull record →
- 7.1,025 loans · $292M · Berkeley Heights, NJFull record →
- 8.103 loans · $64M · Indiana, PAFull record →
- 9.62 loans · $21M · Saint Cloud, MNFull record →
- 10.1,927 loans · $207M · Buffalo, NYFull record →
- 11.20 loans · $8M · Saint Petersburg, FLFull record →
- 12.20 loans · $21M · Miami, FLFull record →
- 13.1 loans · $1M · Springfield, MOFull record →
29+ funded One Hour Air Conditioning & Heating 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.
- 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 →
Your business? Claim this record · Request removal
- 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 →
Your business? Claim this record · Request removal
- 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 →
Your business? Claim this record · Request removal
- 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 →
Your business? Claim this record · Request removal
- 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 →
Your business? Claim this record · Request removal
- 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 →
Your business? Claim this record · Request removal
- 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 →
Your business? Claim this record · Request removal
- 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 →
Your business? Claim this record · Request removal
- 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 →
Your business? Claim this record · Request removal
- CoolBreeze Corp. dba ONE HOUR HEATING AND AIR CONDITIONING in Fullerton, CA — $200K (2025) · United Midwest Savings Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $150K (75%)
- Approval → funding
- 60 days
- Approved
- 10/25/2024
- First disbursed
- 12/24/2024
- Loan status
- Current
- 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
- Earle's Comfort Plus, Inc. in Columbus, GA — $150K (2025) · United Midwest Savings Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $128K (85%)
- Approval → funding
- 14 days
- Approved
- 8/28/2025
- First disbursed
- 9/11/2025
- Loan status
- Current
- 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
- RM COMFORT INSTALLATION INC dba ONE HOUR HEATING AND AIR CONDITIONING in Manalapan, NJ — $150K (2025) · United Midwest Savings Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $128K (85%)
- Approval → funding
- 161 days
- Approved
- 1/16/2025
- First disbursed
- 6/26/2025
- Loan status
- Current
- 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
- H & J Services LLC in Abingdon, MD — $250K (2024) · Univest Bank and Trust Co
- Program
- Preferred Lenders Program
- Rate at approval
- 11% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $188K (75%)
- Approval → funding
- 9 days
- Approved
- 3/16/2024
- First disbursed
- 3/25/2024
- Loan status
- In workout — SBA bought the guarantee
- 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 Univest Bank and Trust Co · Lender record →
Your business? Claim this record · Request removal
- Weber Tech Service Company in Red Oak, TX — $205K (2024) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $154K (75%)
- Approval → funding
- 20 days
- Approved
- 3/7/2024
- First disbursed
- 3/27/2024
- Loan status
- Current
- 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 The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- Bruno Heating and Air Conditioning LLC in Fort Worth, TX — $150K (2024) · Magnifi Financial CU
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 101 months
- SBA guaranteed
- $128K (85%)
- Approval → funding
- 6 days
- Approved
- 12/21/2023
- First disbursed
- 12/27/2023
- Loan status
- Failed — $137K charged off (9/22/2025)
- 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 Magnifi Financial CU · Lender record →
Your business? Claim this record · Request removal
- JK&Smith LLC in Hutto, TX — $139K (2024) · First Commonwealth Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $118K (85%)
- Approval → funding
- 45 days
- Approved
- 3/26/2024
- First disbursed
- 5/10/2024
- 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 Commonwealth Bank · Lender record →
Your business? Claim this record · Request removal
- Weber Tech Service Company in Red Oak, TX — $20K (2024) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $10K (50%)
- Approval → funding
- 326 days
- Approved
- 3/7/2024
- First disbursed
- 1/27/2025
- 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 The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- MRK MECHANICAL LLC in Naperville, IL — $273K (2023) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $205K (75%)
- Approval → funding
- 2 days
- Approved
- 2/7/2023
- First disbursed
- 2/9/2023
- 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 The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- ELR Endeavors, LLC in River Falls, WI — $225K (2023) · Hiawatha National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 7.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $169K (75%)
- Approval → funding
- 16 days
- Approved
- 10/19/2022
- First disbursed
- 11/4/2022
- 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 Hiawatha National Bank · Lender record →
Your business? Claim this record · Request removal
Buying a One Hour Air Conditioning & Heating? 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 One Hour Air Conditioning & Heating businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a One Hour Air Conditioning & Heating 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. The Huntington National Bank funds the most. CapBench is not a lender.
- $200K typical One Hour Air Conditioning & Heating loan
- 0% failure rate (FY20–23)
- 13 lenders fund the brand
- 28 days typical to fund
Buyers researching a One Hour Air Conditioning & Heating 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 2026-06-22.
- 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.