SBA lending data · fiscal year 2025

39 lenders funded plumbing, heating, and air-conditioning contractors in Florida last year

123 SBA 7(a) loans approved under NAICS 238220. Median approval $250,000, median term 120 months, median initial rate 10.25%.

Build a plan for this industry — free preview$299 one time. Your plan cites these lenders by name.

What was actually approved

123
loans approved
39
distinct lenders
$113k
25th percentile
$500k
75th percentile

Half of all approvals in this industry and state fell between $112,500 and $500,000. 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. 1TD Bank, National Association14 loans · $1.9M
  2. 2Northeast Bank12 loans · $2.7M
  3. 3BayFirst National Bank10 loans · $2.1M
  4. 4Live Oak Banking Company9 loans · $13.4M
  5. 5United Midwest Savings Bank National Association6 loans · $4.5M
  6. 6Readycap Lending, LLC6 loans · $1.3M
  7. 7JPMorgan Chase Bank, National Association6 loans · $1M
  8. 8First Internet Bank of Indiana6 loans · $4.9M
  9. 9The Huntington National Bank5 loans · $3M
  10. 10BankUnited, National Association4 loans · $3.7M
  11. 11Lendistry SBLC, LLC4 loans · $0.8M
  12. 12Celtic Bank Corporation3 loans · $0.7M

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
FY202310839$155,000
FY202413841$230,000
FY202512339$250,000

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 Florida

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

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