SBA lending data · fiscal year 2025

21 lenders funded plumbing, heating, and air-conditioning contractors in Arizona last year

42 SBA 7(a) loans approved under NAICS 238220. Median approval $264,250, median term 120 months, median initial rate 10%.

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What was actually approved

42
loans approved
21
distinct lenders
$100k
25th percentile
$497k
75th percentile

Half of all approvals in this industry and state fell between $100,000 and $497,400. A request well outside that band is not impossible — it draws more scrutiny on collateral and management experience.

The most active lenders

Ranked by how many loans each actually approved in this industry and state — not by advertising spend. A lender that has written twenty of these already knows the questions to ask.

  1. 1Northeast Bank5 loans · $1.3M
  2. 2Zions Bank, A Division of4 loans · $0.2M
  3. 3America First Federal Credit Union3 loans · $1.7M
  4. 4U.S. Bank, National Association3 loans · $0.1M
  5. 5The Huntington National Bank3 loans · $0.8M
  6. 6Live Oak Banking Company3 loans · $3.9M
  7. 7Readycap Lending, LLC2 loans · $0.3M
  8. 8BayFirst National Bank2 loans · $0.2M
  9. 9Newtek Bank, National Association2 loans · $2.5M
  10. 10Bell Bank2 loans · $4.7M
  11. 11United Midwest Savings Bank National Association2 loans · $0.6M
  12. 12Capital Community Bank2 loans · $0.8M

This list is not a recommendation and these lenders have no relationship with this site. It reports approvals recorded in U.S. Small Business Administration, FOIA 7(a) and 504 loan approval data (data.sba.gov), fiscal year 2025, as of 2026-06-30.

Is this industry getting easier or harder to finance?

Fiscal yearLoansLendersMedian approval
FY20232816$250,000
FY20243419$150,000
FY20254221$264,250

Only completed fiscal years are shown. The SBA fiscal year ends 30 September; a partial year compared against full ones makes any industry look like it is closing.

Where this comes from

The SBA publishes every approved 7(a) and 504 loan under FOIA: the lender, the borrower's state, the industry code, the amount, the term and the initial rate. We indexed 4 fiscal years of it, alongside Census and BLS data. Figures on this page are as published on 2026-06-30.

This page reports approvals. It says nothing about how many applications were declined, and it is not a prediction about yours. This site is not affiliated with, endorsed by, or approved by the U.S. Small Business Administration.

Other industries in Arizona

Plumbing, Heating, and Air-Conditioning Contractors in other states

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