Batch No. 2026.08 — SBA 7(a) Underwriting Cycle

Every HVAC, plumbing & electrical listing, tagged and inspected before you call the broker.

We evaluate HVAC businesses publicly listed for sale and run each one through standard SBA 7(a) underwriting math — same down payment, same rate, same stress test a lender applies. Then the whole batch gets graded against itself. Every listing leaves with a grade: A, B, or C.

336listings screened this cycle
333SBA-financeable & tagged
$500K–$3Mprice band
A
1.0x SDEMid-Atlantic (NY)
A
1.0x SDENew England (RI)
A
1.04x SDESoutheast (NC)
A
1.05x SDESouth Central (TX)
A
1.09x SDEPacific (CA)
Method
01

Screen

Every HVAC business publicly listed for sale is evaluated and filtered to the SBA sweet spot — $500K–$3M asking price, field-service businesses only.

02

Inspect

Each deal runs through the same SBA 7(a) math a lender will — 12.5% down, current market rate, 10-year term, and a 20% stressed SDE haircut before DSCR is recalculated.

03

Tag

Deals are graded A, B, or C relative to the batch, not an arbitrary cutoff — so the strongest financeable deals surface first, every cycle.

Financing case: 12.5% down · 9.5% rate · 10-yr SBA 7(a) term
Stress test: stated SDE haircut 20% before the DSCR is recalculated
Grading: relative to this cycle's batch (Grade A = top third), not a lender pre-approval
SDE multiple: broker-stated cash flow ÷ asking price, shown plainly alongside the tag
Full list

The full tagged list is free.

Every business, every tag, every DSCR — browse it all with no signup. Membership only unlocks the exact price, target-offer price, and a direct link to the original listing once you're ready to make a call.

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