SBA loans to plumbing and HVAC companies in North Carolina
Short answer
SBA's loan file shows 111 loans to plumbing and HVAC companies in North Carolina since October 2019. 20.7% went through SBA Express, against 49.3% nationally. 45.0% went to businesses more than two years old, against 62.5% nationally.
- SBA loans, Oct 2019 to Jun 2026
- 111
- median loan
- $330,000
- dollars approved
- $66.57M
- went through SBA Express
- 20.7%
These are the 111 SBA 7(a) loans to plumbing and HVAC companies in North Carolina 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 North Carolina 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
20.7% of the loans in North Carolina went through SBA Express, against 49.3% nationally.
Established businesses
45.0% of the loans in North Carolina went to businesses more than two years old, against 62.5% nationally.
Loan size
The medianThe middle figure. Half the loans were larger and half were smaller. loan was $330,000 in North Carolina, 2.2 times the national median of $150,000.
The middle half of loans in North Carolina ran from $138,000 to $667,350. Nationally the middle half ran from $51,600 to $450,000.
We compared 9 measures with the national figure for the same period, and these are the 3 that differ clearly. 2 more differences are in the table.
North Carolina next to the U.S.
| Measure | North Carolina | United States | Reading |
|---|---|---|---|
| Industry's share of all SBA loans | 1.4% | 1.8% | No clear gap |
| Median loan | $330,000 | $150,000 | Clearly higher |
| Middle half of loans | $138,000 to $667,350 | $51,600 to $450,000 | – |
| Startups (the loan opens the business) | 12.6% | 8.7% | No clear gap |
| In business 2 years or less | 18.0% | 15.0% | No clear gap |
| In business more than 2 years | 45.0% | 62.5% | Clearly lower |
| Change of ownership | 24.3% | 12.7% | Clearly higher |
| SBA Express | 20.7% | 49.3% | Clearly lower |
| Lines of credit | 19.8% | 37.8% | Clearly lower |
| Median term | 10 years | 10 years | – |
| Median spread over Prime at approval | 2.75 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 North Carolina
The 5 lenders below made 42 of the 111 loans approved October 2019 to June 2026, or 37.8%. A lender is listed when it has 5 or more of them, five at most.
| Lender | Loans | Share here | U.S. share |
|---|---|---|---|
| Live Oak Banking Company | 17 | 15.3% | 6.0% |
| Wells Fargo Bank | 8 | 7.2% | Not in top 5 |
| Readycap Lending, LLC | 6 | 5.4% | Not in top 5 |
| United Midwest Savings Bank | 6 | 5.4% | Not in top 5 |
| First Bank (Southern Pines, NC) | 5 | 4.5% | Not in top 5 |
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 |
| Colorado | 195 |
More industries in North Carolina
Other industries in North Carolina with a clear difference from the national pattern, most loans first.
| Industry | Loans since October 2019 |
|---|---|
| Sit-down restaurants | 364 |
| Fast-food, pizza and counter-service restaurants | 278 |
| Hotels and motels | 251 |
| Home remodeling contractors | 159 |
| Paving, fencing, pool and other specialty contractors | 128 |
| Child care centers and preschools | 125 |
| Auto repair shops | 121 |
| Day spas, medical spas, massage, tattoo and tanning studios | 100 |
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 North Carolina. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/industries/plumbing-heating-air-conditioning-contractors/north-carolina/
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