FUNDED Series
SBA Loans for HVAC Business Owners
Purchasing a service company, purchasing the company from the owner you work for, or starting your own. What a lender counts, and how the deal is structured under SBA SOP 50 10 8.1.
By Thomas Hartwell
ISBN: 979-8-950252-04-4 (Paperback)
What's inside
- SBA 7(a), Express, and lines of credit for HVAC
- Purchasing the company you run: the Owner Buyout rules
- What an HVAC company is worth to a lender
- Trucks, service agreements, and collateral
- Down payment rules and seller notes on full standby
Three owners, three deals
Tyler is purchasing a fourteen-truck company where most of the price is customers and service agreements, which earn no collateral credit.
Rosa runs the service department and is purchasing the whole company from the retiring owner.
Sam is starting his own company with a term loan for the trucks and a line of credit for slow months.
Every rule is checked against SBA SOP 50 10 8.1 (effective October 1, 2026), 13 CFR Part 120, and current SBA notices.
Check your own HVAC company deal
The kit runs your numbers through the same SBA checks the book teaches, and shows the most you can pay. See a sample deal checked, free.
See the HVAC company kit, $67Your lender makes the final call.
HVAC buyers: get the free 27-Point SBA Loan Checklist
What lenders check before you apply, in order. No purchase needed.
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