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Plumbing, Heating, and Air-Conditioning Contractors in Florida: SBA acquisition loans
From FY2020 to Jun 30, 2026, Florida had 84 Plumbing, Heating, and Air-Conditioning Contractors acquisition loans in the SBA 7(a) file.
Florida has about 11.2% of U.S. acquisition loans in this industry (84 of 751 loans).
Loans by fiscal year. Years with fewer than 10 loans are not shown.
- FY2020: 15
- FY2021: 16
- FY2022: 14
- FY2024: 11
- FY2025: 15
The median approved amount was $843,000. The middle half of approved amounts ran from $324,000 to $1,894,000.
Total approved was $103.3M. The median term was 120 months. The median initial rate was 7.50%.
About 90% of these loans have variable rates.
The seasoned charge-off rate was Under 3%, against about 2% nationally. This is an estimate. With under 100 seasoned loans, one loan moves this rate by more than 1 point.
34 distinct lenders hold these loans in the SBA file. Lenders holding 10 or more loans, by count:
- Live Oak Banking Company 26
Lender counts are facts from the file. They are not a ranking and not a recommendation.
No single county has 10 or more loans here.
Census 2023 counts 9,353 Plumbing, Heating, and Air-Conditioning Contractors business locations in Florida. They have 94,859 employees and $5.77B in annual payroll.
1,711 of them have 10 to 49 employees.
Industry code: NAICS 238220. SBA changed industry codes in 2022. The same industry can appear under an old code (loans to FY2022) and a new code (loans from FY2022). Each page shows only its own code, so neither shows the full history.
Florida snapshot
| Measure | Value | What it means |
|---|---|---|
| Acquisition loans | 84 | Number of 7(a) loans labeled Change of Ownership, FY2020 to Jun 30, 2026. Cancelled loans are removed. |
| Loans by year |
| Acquisition loans by SBA fiscal year. FY2026 covers Oct 1 to Jun 30 only. Years with fewer than 10 loans are hidden. |
| Median approved amount | $843,000 | The middle approved amount. Half of the loans were approved for more and half for less. Gross approved amounts, rounded to $1,000. |
| Middle half of approved amounts | $324,000 to $1,894,000 | The range that holds the middle half of approved amounts, from the lower quarter mark to the upper quarter mark. |
| Total approved | $103.3M | The sum of all gross approved loan amounts in this cell. These are approved amounts, not money paid out. Rounded to $0.1 million. |
| Term | 120 months | The median loan term, in months. |
| Rate | 7.50% | The median initial interest rate. |
| Rate type | About 90% variable | How many of these loans have variable rates, rounded to the nearest 10%. |
| Seasoned charge-off rate | Under 3% (30 to 99 seasoned loans) Estimate | The share of loans approved in FY2020 to FY2022 that SBA lists as charged off, counted by loans. Charged off is a loan status, not a business closing. Older loans have had more time to be charged off. With under 100 seasoned loans, this shows a band. With under 30, it is hidden. |
| National charge-off rate | About 2% Estimate | The same measure across all industries. It is about 2% by count. |
| Lenders in the SBA file | 34 | The number of distinct lenders that hold these loans in the SBA file. The file lists the current lender, which may not be the original lender. Counts are not a ranking or a recommendation. |
| Lenders holding the most loans | Live Oak Banking Company 26 | Lenders that hold 10 or more loans in this cell, by count. Names come from public data. |
| Top counties | No single county has 10 or more loans here. | Counties with the most acquisition loans in this cell. Counties with fewer than 10 loans are hidden. |
| Franchise share | Not enough loans to show this number. | The share of acquisition loans in this cell that were for franchises. Hidden when fewer than 10 loans were for franchises. |
Local business locations (Census 2023)
| Business locations | 9,353 | Census County Business Patterns 2023: business locations, employees and annual payroll for this industry and area. Census adds small amounts of noise. |
|---|---|---|
| Employees | 94,859 | |
| Annual payroll | $5.77B | |
| Business locations by employee count |
| |
| Business locations with 10 to 49 employees | 1,711 | Census count of local business locations in that size band. |
Data as of: Jun 30, 2026.