{
  "title": "How to Buy an HVAC Business: Where Deals Come From, Checks, SBA",
  "url": "https://acquisitions.com/blog/how-to-buy-an-hvac-business/",
  "author": "Moran Pober",
  "publisher": "Acquisitions.com",
  "published": "2026-10-23",
  "updated": "2026-10-23",
  "section": "Buying a business",
  "keyword": "how to buy an HVAC business",
  "short_answer": "Find HVAC companies through brokers, marketplaces, off-market letters and private-equity sell-offs, then check the maintenance-agreement base, the service versus new-construction mix, technician certifications, the state contractor licence and who holds it, the truck fleet, seasonality and builder concentration. Most buyers pay with an SBA 7(a) loan of up to $5 million plus at least 10% equity, often with a seller note on standby.",
  "facts": {
    "Total project cost": [
      "$1,575,000",
      "Price plus closing costs and working capital"
    ],
    "Minimum equity injection (10%)": [
      "$157,500",
      "SOP 50 10 8.1, initial acquisition, cannot be reduced"
    ],
    "Seller note on full standby, counted as equity": [
      "up to $78,750",
      "At most half of the required injection"
    ],
    "Buyer's own cash": [
      "$78,750 or more",
      "The rest of the injection"
    ],
    "SBA 7(a) loan": [
      "about $1,417,500",
      "Under the $5 million maximum, ten-year amortization"
    ]
  },
  "sources": [
    "https://www.sba.gov/funding-programs/loans/7a-loans",
    "https://www.sba.gov/document/sop-50-10-lender-development-company-loan-programs",
    "https://www.epa.gov/section608/section-608-technician-certification-requirements",
    "https://www.bls.gov/ooh/installation-maintenance-and-repair/heating-air-conditioning-and-refrigeration-mechanics-and-installers.htm",
    "https://www.tdlr.texas.gov/acr/acr.htm",
    "https://www.tdlr.texas.gov/acr/contractor-apply.htm",
    "http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0400-0499/0489/Sections/0489.119.html",
    "https://www.ibba.org/wp-content/uploads/2026/02/market-pulse-highlights-q4-2025.pdf"
  ],
  "license": "Facts may be quoted with attribution to Acquisitions.com and a link to the url above."
}