SBA loans to plumbing and HVAC companies in Colorado
Short answer
SBA's loan file shows 195 loans to plumbing and HVAC companies in Colorado since October 2019. 36.9% went through SBA Express, against 49.3% nationally.
- SBA loans, Oct 2019 to Jun 2026
- 195
- median loan
- $296,000
- dollars approved
- $123.69M
- went through SBA Express
- 36.9%
These are the 195 SBA 7(a) loans to plumbing and HVAC companies in Colorado approved October 2019 to June 2026. Each figure is set against the national figure for the same industry and period. State is where the business is, not where the lender is based. The file lists loans SBA approved, so it shows what lenders have done and not what any lender will do for you. Every state page for this industry uses this same period, so the pages can be compared with each other.
How Colorado differs from the U.S.
What this means for you. SBA Express was a less common route here, so most of these loans went through other 7(a) loan types.
SBA Express
36.9% of the loans in Colorado went through SBA Express, against 49.3% nationally.
We compared 9 measures with the national figure for the same period, and this is the one that differs clearly. The table compares every measure.
Colorado next to the U.S.
| Measure | Colorado | United States | Reading |
|---|---|---|---|
| Industry's share of all SBA loans | 2.2% | 1.8% | No clear gap |
| Median loan | $296,000 | $150,000 | No clear gap |
| Middle half of loans | $77,500 to $720,500 | $51,600 to $450,000 | – |
| Startups (the loan opens the business) | 10.8% | 8.7% | No clear gap |
| In business 2 years or less | 15.4% | 15.0% | No clear gap |
| In business more than 2 years | 55.4% | 62.5% | No clear gap |
| Change of ownership | 17.4% | 12.7% | No clear gap |
| SBA Express | 36.9% | 49.3% | Clearly lower |
| Lines of credit | 32.3% | 37.8% | No clear gap |
| Median term | 10 years | 10 years | – |
| Median spread over Prime at approval | 2.5 points over Prime | 2.75 points over Prime | – |
Clearly higher and clearly lower mark a gap large enough to matter and unlikely to be chance for this many loans. Spread over Prime is the rate at approval minus Prime that day, so it is not today's rate. Rows with a dash are shown for reference.
Who lends in Colorado
The 5 lenders below made 71 of the 195 loans approved October 2019 to June 2026, or 36.4%. A lender is listed when it has 5 or more of them, five at most.
| Lender | Loans | Share here | U.S. share |
|---|---|---|---|
| U.S. Bank | 24 | 12.3% | 7.7% |
| The Huntington National Bank | 14 | 7.2% | 11.2% |
| KeyBank | 12 | 6.2% | Not in top 5 |
| Wells Fargo Bank | 11 | 5.6% | Not in top 5 |
| Live Oak Banking Company | 10 | 5.1% | 6.0% |
Share here is the lender's share of the loans in this state. U.S. share is its share of all loans to this industry nationally. Not in top 5 means it is not one of the five lenders with the most loans to the industry.
Plumbing and HVAC companies in other states
Other states where these loans differ clearly from the national pattern, most loans first.
| State | Loans since October 2019 |
|---|---|
| California | 639 |
| Florida | 521 |
| Texas | 440 |
| Ohio | 349 |
| New York | 347 |
| Pennsylvania | 255 |
| Michigan | 235 |
| Massachusetts | 187 |
More industries in Colorado
Other industries in Colorado with a clear difference from the national pattern, most loans first.
| Industry | Loans since October 2019 |
|---|---|
| Liquor stores | 250 |
| Home remodeling contractors | 197 |
| Paving, fencing, pool and other specialty contractors | 173 |
| Auto repair shops | 160 |
| Dental practices | 153 |
| Liquor stores | 148 |
| Landscaping and lawn care companies | 146 |
| Electrical contractors | 140 |
How to read this
Counts come from SBA's 7(a) loan-level data release, as of June 30, 2026. The file lists loans SBA approved. It does not list declined applications, so it cannot show approval odds. We do not publish any figure built on fewer than 5 loans. Industry is the NAICS code recorded on each loan. Location is the borrower's address in the file. Loans are those approved October 1, 2019 to June 30, 2026. SBA's fiscal year runs October 1 to September 30. Each figure is set against the national figure for the same period. A gap is called clear when it is large enough to matter and unlikely to be chance for this many loans. A comparison with no clear gap in the loans is not published. Express counts SBA Express and Export Express loans. Lines of credit are loans SBA's file flags as revolving. How we build these pages.
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Cite this page: SBA loans to plumbing and HVAC companies in Colorado. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/industries/plumbing-heating-air-conditioning-contractors/colorado/
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