How much do lenders finance for a Aire Serv franchise?

The median SBA loan approved for a Aire Serv franchise is $250,000, with the middle 80% of loans between $94,500 and $350,000. That is the financed portion only - it excludes the buyer's equity injection, which SBA lenders typically require at 10% or more of total project cost for a business acquisition or new franchise unit.

Which lenders finance Aire Serv franchises?

By dollars approved, the most active SBA lenders for Aire Serv have been United Midwest Savings Bank, Byline Bank, The Huntington National Bank, Old National Bank. Many franchise brands also maintain their own lists of preferred lenders, which may differ from who has historically approved the most volume.

How long are Aire Serv SBA loans?

The median term is 10 yr. SBA 7(a) terms run up to 10 years for working capital and equipment, and up to 25 years when the loan is secured by real estate - so a longer median usually means the loans included property.

Franchise financing

Financing a Aire Serv franchise

SBA lenders have approved 124 loans against the Aire Serv brand since FY2010, totalling $30.5M. The median approval was $250,000. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#152

of 1,651 brands

Loans approved

124

FY2010 onward

Median loan

$250,000

Typical range

$95K-$350K

Middle 80% of loans

Median term

10 yr

Charge-off rate

Cohort too small

Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.

Lenders

Who financed Aire Serv

Lender	Loans	Approved
United Midwest Savings Bank	79	$17.8M
Byline Bank	2	$2.3M
The Huntington National Bank	8	$1.8M
Old National Bank	2	$950K
CIBC Bank USA	2	$912K
KeyBank	1	$770K
Dakota Business Finance	1	$579K
First Bank	1	$500K

Geography

Where Aire Serv units were financed

State	Loans	Share
Florida	19
Texas	16
Georgia	11
California	10
Minnesota	7
Colorado	5
North Carolina	5
Virginia	5

Approvals by fiscal year

’10

’11

’12

’14

’15

’17

’18

’19

’20

’21

’22

’23

’24

’25

’26

Loan count by fiscal year - a rough proxy for how fast the brand was opening units. Final bar is a partial year.

Loan sizes

Under $50K
5%
$50K - $150K
15%
$150K - $350K
66%
$350K - $1M
13%
$1M - $2M
1%

Financing a Aire Serv: common questions

How much do lenders finance for a Aire Serv franchise?: The median SBA loan approved for a Aire Serv franchise is $250,000, with the middle 80% of loans between $94,500 and $350,000. That is the financed portion only - it excludes the buyer's equity injection, which SBA lenders typically require at 10% or more of total project cost for a business acquisition or new franchise unit.
Which lenders finance Aire Serv franchises?: By dollars approved, the most active SBA lenders for Aire Serv have been United Midwest Savings Bank, Byline Bank, The Huntington National Bank, Old National Bank. Many franchise brands also maintain their own lists of preferred lenders, which may differ from who has historically approved the most volume.
How long are Aire Serv SBA loans?: The median term is 10 yr. SBA 7(a) terms run up to 10 years for working capital and equipment, and up to 25 years when the loan is secured by real estate - so a longer median usually means the loans included property.

Compare other brands

Median loan size and charge-off rate across every franchise in the SBA record.

How SBA 7(a) works

The programme most franchise buyers use, explained end to end.

Buying a franchise with an SBA loan

Equity injection, the franchise directory, and what lenders check.

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