SBA Loans for One Hour Air Conditioning & Heating Franchises
Who actually funds One Hour Air Conditioning & Heating SBA 7(a) deals, and how much they lend. Sourced directly from SBA FOIA records covering every approved 7(a) loan from 2021–2026.
Top lenders funding One Hour Air Conditioning & Heating SBA loans
Ranked by number of One Hour Air Conditioning & Heating 7(a) loans approved since 2021.
| # | Lender | Loans | Total Volume | Avg Loan |
|---|---|---|---|---|
| 1 | The Huntington National Bank | 10 | $4.1M | $409K |
| 2 | United Midwest Savings Bank National Association | 5 | $850K | $170K |
| 3 | Univest Bank and Trust Co | 3 | $475K | $158K |
| 4 | Magnifi Financial CU | 2 | $430K | $215K |
| 5 | Guaranty Bank | 1 | $990K | $990K |
| 5 | Hiawatha National Bank | 1 | $225K | $225K |
| 5 | Banesco USA | 1 | $225K | $225K |
| 5 | Readycap Lending, LLC | 1 | $500K | $500K |
| 5 | Stearns Bank National Association | 1 | $215K | $215K |
| 5 | First Commonwealth Bank | 1 | $139K | $139K |
| 5 | First Bank of the Lake | 1 | $221K | $221K |
| 5 | BayFirst National Bank | 1 | $115K | $115K |
Source: SBA FOIA 7(a) loan-level data, 2021–2026. Shows lenders with at least one approved One Hour Air Conditioning & Heating loan in this period, ranked by loan count.
One Hour Air Conditioning & Heating SBA loans by state
| State | Loans | Total Volume | Avg Loan |
|---|---|---|---|
| TN | 2 | $2.9M | $1.4M |
| MO | 1 | $990K | $990K |
| TX | 5 | $794K | $159K |
| WA | 4 | $700K | $175K |
| CA | 2 | $700K | $350K |
| MD | 3 | $475K | $158K |
| NJ | 2 | $365K | $183K |
| IL | 2 | $298K | $149K |
| FL | 2 | $265K | $133K |
| NC | 1 | $225K | $225K |
| WI | 1 | $225K | $225K |
| LA | 1 | $221K | $221K |
| MI | 1 | $200K | $200K |
| GA | 1 | $150K | $150K |
One Hour Air Conditioning & Heating SBA loans by year
How to use this
The lenders above have actually closed SBA 7(a) loans for One Hour Air Conditioning & Heating franchisees, so they already understand the brand's model, unit economics, and franchise agreement. That familiarity usually means a faster, cleaner underwrite than a lender seeing the concept for the first time.
A lender being active historically doesn't mean they're the right fit for your deal size, location, or timing right now. That's where we come in — we match your One Hour Air Conditioning & Heating deal to a lender currently funding this brand.
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