{"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/ma/plumbing-heating-and-air-conditioning-contractors-238220","type":"state-industry","name":"Plumbing, Heating, and Air-Conditioning Contractors in Massachusetts","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":14,"dollars":16374300,"median":389500,"summary":{"loans":14,"dollars":16374300,"median":389500,"mean":1169593,"p25":212500,"p75":1537500,"avg_rate":7.9,"median_term":120,"guaranty_share":0.738,"jobs":292,"franchise_loans":0,"recent_loans":1},"by_fy":[{"fy":2018,"loans":1,"dollars":125000,"median":125000},{"fy":2019,"loans":3,"dollars":1550300,"median":140300},{"fy":2020,"loans":1,"dollars":1750000,"median":1750000},{"fy":2021,"loans":0,"dollars":0,"median":null},{"fy":2022,"loans":1,"dollars":320000,"median":320000},{"fy":2023,"loans":3,"dollars":8800000,"median":3950000},{"fy":2024,"loans":4,"dollars":2229000,"median":339500},{"fy":2025,"loans":1,"dollars":1600000,"median":1600000},{"fy":2026,"loans":0,"dollars":0,"median":null}],"seasoned":{"loans":5,"charged_off":0,"paid_in_full":2,"chargeoff_rate":0,"chargeoff_dollar_rate":0,"fy_min":2018,"fy_max":2020},"compare":{"entity":{"loans":14,"median":389500,"p25":212500,"p75":1537500,"avg_rate":7.9,"median_term":120,"chargeoff_rate":null},"parents":[{"kind":"state","id":"MA","loans":963,"median":410000,"p25":175000,"p75":1041000,"avg_rate":7.34,"median_term":120,"chargeoff_rate":0.0318},{"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":0.1429,"top3":0.4286,"n3plus":0,"distinct":10},"recent":{"loans":1,"median":1600000,"prior_loans":7,"change":null},"size_mix":{"lt350k":0.4286,"350k_1m":0.1429,"1m_2m":0.2857,"gt2m":0.1429},"top_lenders":[{"key":"Eastern Bank","loans":2,"dollars":1550000,"name":"Eastern Bank","slug":"eastern-bank"},{"key":"Pathward National Association","loans":2,"dollars":1410000,"name":"Pathward National Association","slug":"pathward-national-association"},{"key":"Pentucket Bank","loans":2,"dollars":679000,"name":"Pentucket Bank","slug":null},{"key":"Rockland Trust Company","loans":2,"dollars":460300,"name":"Rockland Trust Company","slug":"rockland-trust-company"},{"key":"Santander Bank, National Association","loans":1,"dollars":4500000,"name":"Santander Bank, National Association","slug":"santander-bank-national-association"}],"top_franchises":[]}}