SBA loan outcome check · industry · SBA data as of 30 September 2026

How have SBA loans in Warm Air Heating and Air-Conditioning Equipment and Suppplies Wholesalers turned out?

Of 93 loans approved in fiscal 2000 to 2008 (at least five years old), 9 (9.7%) were charged off by the lender, against 24.3% across all 7(a) loans approved in those same years. Warm Air Heating and Air-Conditioning Equipment and Suppplies Wholesalers appears on 93 SBA-guaranteed 7(a) loans approved from fiscal 2000 to 2008, $22.5 million in gross approvals. These are loans, not a rating.
Not financial, legal or franchise advice. This page reports what the SBA's loan file records for SBA-guaranteed loans. A charge-off rate is not a rating of a brand or an industry, it does not predict a new loan, and a franchisee's loan is not a measure of the franchisor. Read the franchise's disclosure document and talk to a lender or an adviser before you borrow.
Warm Air Heating and Air-Conditioning Equipment and Suppplies WholesalersIndustry NAICS 421730 · 93 loans
10%of seasoned loans charged off
  1. Warm Air Heating and Air-Conditioning Equipment and Suppplies Wholesalers appears on 93 SBA-guaranteed 7(a) loans approved from fiscal 2000 to 2008, $22.5 million in gross approvals.
  2. Of 93 loans approved in fiscal 2000 to 2008 (at least five years old), 9 (9.7%) were charged off by the lender, against 24.3% across all 7(a) loans approved in those same years.
  3. A charge-off is a loan the lender wrote off. It is not a statement about the borrower, the brand or the franchisor, and it does not predict how a new loan will turn out.
0%18%Fiscal 2000: 3 of 22 loans charged off (13.6%)Fiscal 2001: 3 of 17 loans charged off (17.6%)Fiscal 2002: 2 of 29 loans charged off (6.9%)Fiscal 2003: 1 of 12 loans charged off (8.3%)2000200120022003
share of this group's loans charged off, by approval year (years with 10+ loans)all 7(a) loans, same year

Every approval year

Approval yearLoansApprovedPaid in fullCharged offNot yet resolvedCharged-off share
FY200022$4.1 million193013.6%
FY200117$3.4 million143017.6%
FY200229$7.5 million27206.9%
FY200312$3.2 million11108.3%
FY20048$3.6 million800few loans
FY20053$389,000300few loans
FY20071$200,000100few loans
FY20081$100,000100few loans

US Small Business Administration, 7(a) FOIA loan data as of 30 September 2026. SBA-guaranteed 7(a) loans only, aggregated; no borrower or lender is shown. SBA open data.

Where can you go from this record?

Open it in the check to search another brand or industry. Before you borrow for a business in this industry, read the FTC consumer guide to buying a franchise, the SBA guide to buying a franchise and SBA Lender Match.

Compiled and checked by Vincent Wesley Couey (ORCID 0009-0005-6869-308X) from the SBA 7(a) FOIA loan data, as of 30 September 2026. Not an official source.

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