One Hour Air Conditioning & Heating
29
SBA Loans
$8.5M
Total Financed
$294K
Avg Loan Size
+40%
YoY Loan Growth
How One Hour Air Conditioning & Heating Compares
- Ranks #51 of 294 Home & Repair Services brands by SBA loan count (#386 of 3,543 overall).
- Its average loan of $294K is 66% above the Home & Repair Services median of $177K.
- Its 3.4% charge-off rate compares to a 2.9% average across all Home & Repair Services brands.
SBA Loan Activity by Fiscal Year
| Fiscal Year | Loans | Total Financed |
|---|---|---|
| FY2020 | 1 | $50K |
| FY2021 | 1 | $990K |
| FY2022 | 3 | $490K |
| FY2023 | 6 | $963K |
| FY2024 | 5 | $764K |
| FY2025 | 7 | $4.2M |
| FY2026 | 6 | $1.1M |
FY2026 may be a partial year -- the SBA dataset is refreshed quarterly and the most recent fiscal year is often incomplete.
Where One Hour Air Conditioning & Heating Is Getting SBA-Financed
Recent SBA-Financed One Hour Air Conditioning & Heating Locations
Borrower names and amounts as reported in the SBA's public 7(a) loan dataset.
Frequently Asked Questions
Is One Hour Air Conditioning & Heating growing or shrinking?
One Hour Air Conditioning & Heating's SBA loan count grew +40% year-over-year, suggesting rising financed expansion. This reflects SBA-backed financing activity, not necessarily total unit count -- see the methodology page for what this does and doesn't measure.
How much does it cost to open a One Hour Air Conditioning & Heating franchise?
We don't have that figure -- investment ranges and fees come from a franchisor's Franchise Disclosure Document (FDD), which this site doesn't parse (see methodology). The average SBA loan size of $294K (66% above the typical Home & Repair Services brand's $177K) is a rough proxy, but SBA loans often cover only part of total investment.
What's the SBA loan default rate for One Hour Air Conditioning & Heating?
1 of 29 SBA loans to One Hour Air Conditioning & Heating franchisees (3.4%) have been charged off since FY2020, compared to 2.9% across all Home & Repair Services brands.
Top SBA Lenders
- The Huntington National Bank10
- United Midwest Savings Bank National Association5
- Univest Bank and Trust Co3
- Magnifi Financial CU2
- Manufacturers and Traders Trust Company1
Get the Franchise SBA Financing Model -- an editable amortization, P&L, and breakeven calculator. $19.
Source: SBA 7(a) FOIA loan dataset. View dataset