SBA 7(a) loan outcomes · FY2010–FY2019 cohort · Statuses as of June 30, 2026 · Last updated August 17, 2026

Plumbing, Heating, and Air-Conditioning Contractors Franchise Failure Rates: SBA Loan Defaults for 2 Brands

Plumbing, Heating, and Air-Conditioning Contractors franchises charged off 7.1% of SBA 7(a) loans approved FY2010–FY2019, versus 10.2% for all franchises and 8.0% for all SBA borrowers. This page tracks 2 brands: default rates ranged from Aire Serv (6.7%) to Mr. Rooter (11.1%). Source: U.S. SBA FOIA dataset, statuses as of June 30, 2026.

How do Plumbing, Heating, and Air-Conditioning Contractors franchises perform on SBA loans?

Across the 2 Plumbing, Heating, and Air-Conditioning Contractors brands tracked here, 33 SBA 7(a) loans were approved between fiscal 2010 and 2019 and 3 were charged off — a pooled rate of 9.1% for these brands against a 7.1% benchmark for all Plumbing, Heating, and Air-Conditioning Contractors franchise loans. 0 brands with 20+ loans ran at more than twice the industry benchmark; 0 brands with 40+ loans recorded zero defaults. Statuses as of June 30, 2026.

• Brands tracked2
• SBA 7(a) loans, FY2010–201933
• Charged off3
• Pooled rate, these brands9.1%
• Plumbing, Heating, and Air-Conditioning Contractors benchmark (all franchise loans)7.1%
• All-franchise benchmark10.2%
• All SBA borrowers8.0%
• Lowest rateAire Serv · 6.7%
• Highest rateMr. Rooter · 11.1%

Which Plumbing, Heating, and Air-Conditioning Contractors franchise brands have the highest and lowest SBA default rates?

Every Plumbing, Heating, and Air-Conditioning Contractors brand with at least five resolved SBA 7(a) loans, sorted from highest to lowest default rate. Click a column heading to re-sort; use the filter to find a brand.

* Small sample (5–19 loans): rate shown for completeness; treat as a diligence flag, not a verdict. Loans since 2020 and early charge-offs are counts only — that cohort is too young for a rate.