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 to 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 to 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 One Hour Air Conditioning & Heating SBA loans have performed
Outcomes for every funded One Hour Air Conditioning & Heating 7(a) loan approved since FY2010. Each SBA loan usually finances one location, so read these as an estimate of units.
Source: SBA FOIA 7(a) loan-level data. Defaulted means the SBA purchased the guaranty (charged off, or purchased and not yet charged off). Recent loans have had less time to default, and small loan counts swing widely, so one or two loans can move these percentages a lot.
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, and we match your One Hour Air Conditioning & Heating deal to a lender currently funding this brand.
Financing a One Hour Air Conditioning & Heating franchise?
We know which lenders are actively funding One Hour Air Conditioning & Heating deals right now and which fit your loan size and location. Pre-qualify and we'll find your match (free to borrowers).