{"source":"SBA 7(a) FOIA loan file (data.sba.gov), change-of-ownership loans only, aggregated","publisher":"SBA Acquisition Data","page":"https://sbaacquisitiondata.com/state/ca/plumbing-heating-and-air-conditioning-contractors-238220","type":"state-industry","name":"Plumbing, Heating, and Air-Conditioning Contractors in California","as_of":"2026-09-30","fy_min":2018,"fy_max":2026,"license":"https://www.usa.gov/government-works","data":{"naics":"238220","name":"Plumbing, Heating, and Air-Conditioning Contractors","slug":"plumbing-heating-and-air-conditioning-contractors-238220","loans":64,"dollars":74101000,"median":636050,"summary":{"loans":64,"dollars":74101000,"median":636050,"mean":1157828,"p25":325000,"p75":1841250,"avg_rate":8.35,"median_term":120,"guaranty_share":0.713,"jobs":796,"franchise_loans":0,"recent_loans":16},"by_fy":[{"fy":2018,"loans":4,"dollars":1978600,"median":597300},{"fy":2019,"loans":4,"dollars":4357600,"median":972500},{"fy":2020,"loans":6,"dollars":6485800,"median":712400},{"fy":2021,"loans":7,"dollars":7159700,"median":627500},{"fy":2022,"loans":6,"dollars":16219500,"median":2786750},{"fy":2023,"loans":15,"dollars":16394800,"median":525000},{"fy":2024,"loans":6,"dollars":2581500,"median":377750},{"fy":2025,"loans":10,"dollars":12957000,"median":697500},{"fy":2026,"loans":6,"dollars":5966500,"median":221600}],"seasoned":{"loans":21,"charged_off":0,"paid_in_full":12,"chargeoff_rate":0,"chargeoff_dollar_rate":0,"fy_min":2018,"fy_max":2021},"compare":{"entity":{"loans":64,"median":636050,"p25":325000,"p75":1841250,"avg_rate":8.35,"median_term":120,"chargeoff_rate":0},"parents":[{"kind":"state","id":"CA","loans":5184,"median":600000,"p25":296225,"p75":1395000,"avg_rate":7.87,"median_term":120,"chargeoff_rate":0.0413},{"kind":"industry","id":"238220","loans":921,"median":734000,"p25":293300,"p75":1545000,"avg_rate":8.01,"median_term":120,"chargeoff_rate":0.0245}]},"concentration":{"by":"lender","top1":0.3906,"top3":0.5,"n3plus":3,"distinct":29},"recent":{"loans":16,"median":565250,"prior_loans":21,"change":-0.2381},"size_mix":{"lt350k":0.2656,"350k_1m":0.375,"1m_2m":0.1562,"gt2m":0.2031},"top_lenders":[{"key":"Live Oak Banking Company","loans":25,"dollars":29155000,"name":"Live Oak Banking Company","slug":"live-oak-banking-company"},{"key":"First Internet Bank of Indiana","loans":4,"dollars":7491000,"name":"First Internet Bank of Indiana","slug":"first-internet-bank-of-indiana"},{"key":"Plumas Bank","loans":3,"dollars":1102700,"name":"Plumas Bank","slug":"plumas-bank"},{"key":"Byline Bank","loans":2,"dollars":3845000,"name":"Byline Bank","slug":"byline-bank"},{"key":"Bank of America, National Association","loans":2,"dollars":2957200,"name":"Bank of America, National Association","slug":"bank-of-america-national-association"}],"top_franchises":[]}}