SBA lending data · fiscal year 2025

41 lenders funded plumbing, heating, and air-conditioning contractors in Texas last year

106 SBA 7(a) loans approved under NAICS 238220. Median approval $200,000, median term 120 months, median initial rate 10%.

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

What was actually approved

106
loans approved
41
distinct lenders
$128k
25th percentile
$494k
75th percentile

Half of all approvals in this industry and state fell between $127,500 and $494,250. 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 Bank14 loans · $2.3M
  2. 2Newtek Bank, National Association11 loans · $3.5M
  3. 3Zions Bank, A Division of9 loans · $0.9M
  4. 4The Huntington National Bank6 loans · $1.5M
  5. 5Readycap Lending, LLC5 loans · $1.5M
  6. 6BayFirst National Bank5 loans · $0.8M
  7. 7Live Oak Banking Company5 loans · $5.8M
  8. 8JPMorgan Chase Bank, National Association5 loans · $1.6M
  9. 9Celtic Bank Corporation4 loans · $2.7M
  10. 10United Midwest Savings Bank National Association3 loans · $0.6M
  11. 11TowneBank2 loans · $0.8M
  12. 12Wells Fargo Bank National Association2 loans · $1.4M

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 yearLoansLendersMedian approval
FY20236121$300,000
FY20249737$250,000
FY202510641$200,000

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 Texas

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

Your plan can name these lenders

Every plan we build pulls this same data for your state and industry, positions your request against the real distribution of approvals, and computes the coverage ratio your deal is actually held to.

See your free preview