How to finance a VARSITY ZONE HEATING AND AIR CONDITIONING in Florida

State:

The SBA 7(a) lenders funding the most VARSITY ZONE HEATING AND AIR CONDITIONING deals in Florida, from public loan records — typical VARSITY ZONE HEATING AND AIR CONDITIONING loan about $277K. A bank already funding the brand in your state knows it twice over.

Deal economics— what it takes to buy & finance VARSITY ZONE HEATING AND AIR CONDITIONING in Florida

$190K

Typical loan

range $190K–$190K

$211K

Est. purchase price

≈ loan ÷ 90%

$28,236

Cash to close

$21,111 down + fees

$2,781/mo

Typical payment

~12.5% · 10yr

$38,378/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

66 days

Typical time to fund

Lenders competing

more = leverage

9.75%

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 VARSITY ZONE HEATING AND AIR CONDITIONING in Florida

Ranked by funded VARSITY ZONE HEATING AND AIR CONDITIONING loans in Florida. Tap a lender for its full record, or hit Get in touch for an introduction.

No directory lender has enough VARSITY ZONE HEATING AND AIR CONDITIONING loans in Florida to rank yet. See VARSITY ZONE HEATING AND AIR CONDITIONING lenders nationwide →

1+ funded VARSITY ZONE HEATING AND AIR CONDITIONING in Florida 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.

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
Your business? Claim this record · Request removal

Buying a VARSITY ZONE HEATING AND AIR CONDITIONING in Florida? 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 VARSITY ZONE HEATING AND AIR CONDITIONING loans with a Florida project address. Mega-bank call-center lenders excluded.

Agent summary

How to finance a VARSITY ZONE HEATING AND AIR CONDITIONING purchase in Florida with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded Florida deals. CapBench is not a lender.

$277K typical VARSITY ZONE HEATING AND AIR CONDITIONING loan
1 lenders active in Florida
1+ funded Florida deals
66 days typical to fund

Buyers buying a VARSITY ZONE HEATING AND AIR CONDITIONING in Florida 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 VARSITY ZONE HEATING AND AIR CONDITIONING lenders

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-24.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/franchise/varsity-zone-heating-and-air-conditioning/florida
API:: https://www.capbench.com/api/public/lenders?franchise=varsity-zone-heating-and-air-conditioning&state=FL
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.