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Region — Cycle 2026.08

Mid-Atlantic HVAC Businesses, Graded for SBA Financing

46 HVAC businesses for sale in Mid-Atlantic, 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. 10 Grade A · 16 Grade B · 20 Grade C.

Within this batch, asking prices span $100K to $5M and stressed DSCR ranges from 0.85x to 4.86x (median 1.75x). 40 of 46 clear the standard 1.25x SBA lender comfort threshold at the asking price as stated; 6 would need a price reduction to get there.

BusinessAsking priceSDE multipleDSCR — stated → stressedTo hit 1.25x
A Mid-Atlantic (PA) HVAC BusinessMid-Atlantic (PA) $250K – $300K 1.21x 6.07 → 4.86 Clears at ask
A Mid-Atlantic (NJ) HVAC BusinessMid-Atlantic (NJ) $200K – $250K 1.28x 5.74 → 4.59 Clears at ask
A Mid-Atlantic (VA) HVAC BusinessMid-Atlantic (VA) $200K – $250K 1.29x 5.72 → 4.58 Clears at ask
A Mid-Atlantic (PA) HVAC BusinessMid-Atlantic (PA) $200K – $250K 1.33x 5.52 → 4.42 Clears at ask
A Mid-Atlantic (NY) HVAC BusinessMid-Atlantic (NY) $100K – $150K 1.66x 4.44 → 3.56 Clears at ask
A Mid-Atlantic (NJ) HVAC BusinessMid-Atlantic (NJ) $300K – $350K 1.86x 3.96 → 3.17 Clears at ask
A Mid-Atlantic (PA) HVAC BusinessMid-Atlantic (PA) $250K – $300K 1.9x 3.87 → 3.1 Clears at ask
A Mid-Atlantic (NY) HVAC BusinessMid-Atlantic (NY) $1M – $1.25M 2.0x 3.68 → 2.94 Clears at ask
A Mid-Atlantic (NJ) HVAC BusinessMid-Atlantic (NJ) $600K – $700K 2.13x 3.46 → 2.77 Clears at ask
A Mid-Atlantic (NY) HVAC BusinessMid-Atlantic (NY) $900K – $1M 2.22x 3.31 → 2.65 Clears at ask
B Mid-Atlantic (VA) HVAC BusinessMid-Atlantic (VA) $1.25M – $1.5M 2.58x 2.85 → 2.28 Clears at ask
B Mid-Atlantic (PA) HVAC BusinessMid-Atlantic (PA) $2M – $2.5M 2.58x 2.85 → 2.28 Clears at ask
B Mid-Atlantic (PA) HVAC BusinessMid-Atlantic (PA) $350K – $400K 2.65x 2.78 → 2.22 Clears at ask
B Mid-Atlantic (NY) HVAC BusinessMid-Atlantic (NY) $800K – $900K 2.7x 2.73 → 2.18 Clears at ask
B Mid-Atlantic (NY) HVAC BusinessMid-Atlantic (NY) $4M – $4.5M 2.76x 2.66 → 2.13 Clears at ask
B Mid-Atlantic (NJ) HVAC BusinessMid-Atlantic (NJ) $2M – $2.5M 2.8x 2.63 → 2.1 Clears at ask
B Mid-Atlantic (NY) HVAC BusinessMid-Atlantic (NY) $400K – $450K 2.84x 2.59 → 2.07 Clears at ask
B Mid-Atlantic (VA) HVAC BusinessMid-Atlantic (VA) $1M – $1.25M 2.95x 2.49 → 1.99 Clears at ask
B Mid-Atlantic (VA) HVAC BusinessMid-Atlantic (VA) $1.75M – $2M 3.04x 2.42 → 1.94 Clears at ask
B Mid-Atlantic (NY) HVAC BusinessMid-Atlantic (NY) $800K – $900K 3.24x 2.27 → 1.82 Clears at ask
B Mid-Atlantic (MD) HVAC BusinessMid-Atlantic (MD) $800K – $900K 3.3x 2.23 → 1.78 Clears at ask
B Mid-Atlantic (NJ) HVAC BusinessMid-Atlantic (NJ) $700K – $800K 3.31x 2.23 → 1.78 Clears at ask
B Mid-Atlantic (NY) HVAC BusinessMid-Atlantic (NY) $600K – $700K 3.33x 2.21 → 1.77 Clears at ask
B Mid-Atlantic (NY) HVAC BusinessMid-Atlantic (NY) $1.5M – $1.75M 3.4x 2.16 → 1.73 Clears at ask
B Mid-Atlantic (PA) HVAC BusinessMid-Atlantic (PA) $500K – $600K 3.44x 2.14 → 1.71 Clears at ask
B Mid-Atlantic (NJ) HVAC BusinessMid-Atlantic (NJ) $1.25M – $1.5M 3.5x 2.1 → 1.68 Clears at ask
C Mid-Atlantic (NY) HVAC BusinessMid-Atlantic (NY) $350K – $400K 3.61x 2.04 → 1.63 Clears at ask
C Mid-Atlantic (NY) HVAC BusinessMid-Atlantic (NY) $1.25M – $1.5M 3.73x 1.98 → 1.58 Clears at ask
C Mid-Atlantic (VA) HVAC BusinessMid-Atlantic (VA) $450K – $500K 3.84x 1.92 → 1.53 Clears at ask
C Mid-Atlantic (VA) HVAC BusinessMid-Atlantic (VA) $700K – $800K 3.84x 1.92 → 1.53 Clears at ask
C Mid-Atlantic (MD) HVAC BusinessMid-Atlantic (MD) $4M – $4.5M 3.86x 1.9 → 1.52 Clears at ask
C Mid-Atlantic (NY) HVAC BusinessMid-Atlantic (NY) $1.75M – $2M 3.94x 1.87 → 1.5 Clears at ask
C Mid-Atlantic (NY) HVAC BusinessMid-Atlantic (NY) $2.5M – $3M 3.95x 1.86 → 1.49 Clears at ask
C Mid-Atlantic (NJ) HVAC BusinessMid-Atlantic (NJ) $2.5M – $3M 4.33x 1.7 → 1.36 Clears at ask
C Mid-Atlantic (MD) HVAC BusinessMid-Atlantic (MD) $700K – $800K 4.33x 1.7 → 1.36 Clears at ask
C Mid-Atlantic (NY) HVAC BusinessMid-Atlantic (NY) $4M – $4.5M 4.45x 1.65 → 1.32 Clears at ask
C Mid-Atlantic (NY) HVAC BusinessMid-Atlantic (NY) $800K – $900K 4.51x 1.63 → 1.31 Clears at ask
C Mid-Atlantic (NY) HVAC BusinessMid-Atlantic (NY) $800K – $900K 4.5x 1.64 → 1.31 Clears at ask
C Mid-Atlantic (PA) HVAC BusinessMid-Atlantic (PA) $1M – $1.25M 4.58x 1.61 → 1.28 Clears at ask
C Mid-Atlantic (NY) HVAC BusinessMid-Atlantic (NY) $2.5M – $3M 4.6x 1.6 → 1.28 Clears at ask
C Mid-Atlantic (NY) HVAC BusinessMid-Atlantic (NY) $800K – $900K 4.91x 1.5 → 1.2 ~5% off ask
C Mid-Atlantic (VA) HVAC BusinessMid-Atlantic (VA) $4.5M – $5M 4.96x 1.48 → 1.19 ~5% off ask
C Mid-Atlantic (PA) HVAC BusinessMid-Atlantic (PA) $1.25M – $1.5M 4.96x 1.48 → 1.19 ~5% off ask
C Mid-Atlantic (MD) HVAC BusinessMid-Atlantic (MD) $3M – $3.5M 4.95x 1.49 → 1.19 ~5% off ask
C Mid-Atlantic (NJ) HVAC BusinessMid-Atlantic (NJ) $2.5M – $3M 5.83x 1.26 → 1.01 ~20% off ask
C Mid-Atlantic (NJ) HVAC BusinessMid-Atlantic (NJ) $3M – $3.5M 6.96x 1.06 → 0.85 ~35% off ask

See the full national list →