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Illinois — Cycle 2026.08

Illinois HVAC Businesses, Graded for SBA Financing

6 HVAC service businesses for sale in Illinois, run through the same SBA 7(a) underwriting math as every other listing and graded against the full current batch — not just against each other. 1 Grade A · 2 Grade B · 3 Grade C.

Within this batch, asking prices span $150K to $3.5M and stressed DSCR ranges from 0.78x to 3.69x (median 1.62x). 4 of 6 clear the standard 1.25x SBA lender comfort threshold at the asking price as stated; 2 would need a price reduction to get there.

BusinessAsking priceSDE multipleDSCR — stated → stressedTo hit 1.25x
A Midwest (IL) HVAC BusinessMidwest (IL) $150K – $200K 1.6x 4.61 → 3.69 Clears at ask
B Midwest (IL) HVAC BusinessMidwest (IL) $1M – $1.25M 3.15x 2.33 → 1.87 Clears at ask
B Midwest (IL) HVAC BusinessMidwest (IL) $1.25M – $1.5M 3.25x 2.26 → 1.81 Clears at ask
C Midwest (IL) HVAC BusinessMidwest (IL) $1.25M – $1.5M 4.1x 1.8 → 1.44 Clears at ask
C Midwest (IL) HVAC BusinessMidwest (IL) $3M – $3.5M 6.36x 1.16 → 0.93 ~30% off ask
C Midwest (IL) HVAC BusinessMidwest (IL) $1M – $1.25M 7.58x 0.97 → 0.78 ~40% off ask

See the full national list →  ·  See all of the Midwest →