SBA lending data · fiscal year 2025
23 lenders funded plumbing, heating, and air-conditioning contractors in Pennsylvania last year
65 SBA 7(a) loans approved under NAICS 238220. Median approval $150,000, median term 120 months, median initial rate 10.25%.
What was actually approved
Half of all approvals in this industry and state fell between $50,000 and $417,600. 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.
- 1TD Bank, National Association13 loans · $0.9M
- 2Northeast Bank8 loans · $1.1M
- 3Manufacturers and Traders Trust Company7 loans · $2.1M
- 4The Huntington National Bank5 loans · $0.4M
- 5Live Oak Banking Company3 loans · $4.9M
- 6Univest Bank and Trust Co3 loans · $1.8M
- 7Meridian Bank3 loans · $3.8M
- 8Lendistry SBLC, LLC2 loans · $0.4M
- 9First National Bank of Pennsylvania2 loans · $0.4M
- 10Beacon Bank and Trust2 loans · $0.7M
- 11Enterprise Bank2 loans · $1.5M
- 12PNC Bank, National Association2 loans · $0.4M
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 year | Loans | Lenders | Median approval |
|---|---|---|---|
| FY2023 | 43 | 14 | $100,000 |
| FY2024 | 53 | 19 | $150,000 |
| FY2025 | 65 | 23 | $150,000 |
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 Pennsylvania
- Full-Service Restaurants · 123 loans
- Limited-Service Restaurants · 89 loans
- Residential Remodelers · 82 loans
- Landscaping Services · 72 loans
- Fitness and Recreational Sports Centers · 65 loans
- General Freight Trucking, Local · 54 loans
- Child Care Services · 53 loans
- Snack and Nonalcoholic Beverage Bars · 53 loans
Plumbing, Heating, and Air-Conditioning Contractors in other states
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