{"citation":"SBA loans for plumbing and HVAC companies. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/industries/plumbing-heating-air-conditioning-contractors/ Source: SBA 7(a) loan file, June 30, 2026 (https://data.sba.gov/dataset/7a-504-foia).","url":"https://www.sbaexpress.loans/industries/plumbing-heating-air-conditioning-contractors/","title":"SBA loans for plumbing and HVAC companies","data_as_of":"2026-06-30","checked":null,"sources":[{"label":"SBA 7(a) loan file, June 30, 2026","url":"https://data.sba.gov/dataset/7a-504-foia"},{"label":"SOP 50 10 8.1: App. 19, Para. A (p. 404); Sec. B, Ch. 2, Para. C.2 (Para. C begins p. 127); App. 19, Para. B.3 (Para. B begins p. 408); App. 16, Para. B.2 (Para. B begins p. 388); Sec. B, Ch. 2 (p. 125); App. 17, Para. B.3 (Para. B begins p. 391); Sec. B, Ch. 2, Para. B.1 (p. 126); Sec. A, Ch. 5, Para. A.1 (p. 93); Sec. A, Ch. 1, Para. D.1 (p. 14); Sec. A, Ch. 1, Para. D.2 (p. 14); App. 17, Para. A.2 (p. 390); App. 17, Para. A.1 (p. 390); SBA Procedural Notice 5000-876777; 13 CFR § 120.160(a); 13 CFR § 121.301","url":"https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"},{"label":"13 CFR § 120.100","url":"https://www.ecfr.gov/current/title-13/section-120.100"},{"label":"SOP 50 10 8.1: App. 18, Para. A.2 (p. 395); 13 CFR § 120.214(d)(2)","url":"https://www.ecfr.gov/current/title-13/section-120.214"},{"label":"SOP 50 10 8.1: Sec. A, Ch. 1, Para. D.1 (p. 14); 13 CFR § 121.301(b)(2)","url":"https://www.ecfr.gov/current/title-13/section-121.301"},{"label":"91 FR 53741 (Aug. 20, 2026)","url":"https://www.govinfo.gov/content/pkg/FR-2026-08-20/pdf/2026-17042.pdf"},{"label":"13 CFR § 121.201","url":"https://www.ecfr.gov/current/title-13/section-121.201"}],"data":{"naics":"238220","industry":"Plumbing, Heating, and Air-Conditioning Contractors","sector":"Construction","as_of":"2026-06-30","basis":"recent","windows":{"recent":"FY2024 through June 30, 2026","all":"FY2020 through June 30, 2026","seasoned":"FY2020 to FY2022 loans, charge-offs through June 30, 2026"},"recent":{"loans":3111,"dollars":1340606600,"median_amount":152900,"p25_amount":60000,"p75_amount":425000,"median_rate":10.45,"median_spread":2.75,"median_term":120,"express_share":46.2,"loc_share":37.3},"all":{"loans":5925,"dollars":2639691100,"median_amount":150000,"p25_amount":51600,"p75_amount":450000,"median_rate":null,"median_spread":2.75,"median_term":120,"express_share":49.3,"loc_share":37.8},"chargeoff":{"cohort_loans":1893,"charged_off_loans":59,"rate_loans":3.1,"rate_dollars":1.0},"lenders":[{"name":"The Huntington National Bank","loans":297,"url":"https://www.sbaexpress.loans/sba-express-lenders/the-huntington-national-bank/"},{"name":"U.S. Bank","loans":274,"url":"https://www.sbaexpress.loans/sba-express-lenders/u-s-bank/"},{"name":"TD Bank","loans":183,"url":"https://www.sbaexpress.loans/sba-express-lenders/td-bank/"},{"name":"Live Oak Banking Company","loans":175,"url":"https://www.sbaexpress.loans/sba-express-lenders/live-oak-banking-company/"},{"name":"JPMorgan Chase Bank","loans":135,"url":"https://www.sbaexpress.loans/sba-express-lenders/jpmorgan-chase-bank/"}],"states":[{"name":"California","loans":382,"url":"https://www.sbaexpress.loans/california-small-business-loans/"},{"name":"Florida","loans":273,"url":"https://www.sbaexpress.loans/florida-small-business-loans/"},{"name":"Texas","loans":246,"url":"https://www.sbaexpress.loans/texas-small-business-loans/"},{"name":"New York","loans":189,"url":"https://www.sbaexpress.loans/new-york-small-business-loans/"},{"name":"Ohio","loans":148,"url":"https://www.sbaexpress.loans/ohio-small-business-loans/"}],"note":"Counts under 5 are suppressed, and so is a share or rate that would give one back. Rates are rates at approval, not today's rates.","rows":[{"size_band":"$50,000 or less","loans":752,"share_pct":24.2},{"size_band":"$50,001 to $150,000","loans":803,"share_pct":25.8},{"size_band":"$150,001 to $350,000","loans":682,"share_pct":21.9},{"size_band":"$350,001 to $500,000","loans":288,"share_pct":9.3},{"size_band":"$500,001 to $1,000,000","loans":250,"share_pct":8.0},{"size_band":"$1,000,001 to $2,000,000","loans":203,"share_pct":6.5},{"size_band":"Over $2,000,000","loans":133,"share_pct":4.3}]}}