Franchise financing
Aire Serv franchise financing
What it costs to finance a Aire Serv franchise and how buyers fund it. The real numbers: how much gets borrowed, which lenders fund it, and the track record.
By Mario Bailey · Source: SBA FOIA data, as of 2026-03-31
- SBA loans
- 111
- Total funded
- $26.8M
- Median loan
- $250K
- 7(a) charge-off
- 8.3%
What financing a Aire Serv franchise costs
The median SBA loan to a Aire Serv franchisee is $250K, and the middle half of Aire Serv's 111 loans run $150K to $275K (average $242K). Across all SBA-financed franchises the median loan is $350K. Aire Serv buyers borrow less than the typical franchisee.
These are loan amounts, not the brand's total startup cost. Buyers also put in equity (the SBA generally wants at least 10% down on a new franchise), and the brand's own investment estimate is Item 7 of its franchise disclosure document (FDD). The median Aire Serv loan runs 10 years. Model your numbers with the franchise financing calculator.
Of the 110 Aire Serv loans where the SBA recorded a business age, 76.4% went to new businesses two years old or younger. The rest funded existing operations.
How to finance Aire Serv
Aire Serv franchisees have financed with 111 SBA loans since FY2010, averaging $242K each. The 7(a) program is the usual route: it covers the franchise fee, build-out, equipment, and working capital (108 of the 111 loans). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
Aire Serv's 7(a) charge-off rate is 8.3% across 108 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance Aire Serv
By SBA loan count
Where Aire Serv gets funded
Top states by loan count
- 1. Florida 18
- 2. Texas 13
- 3. Montana 2
- 4. Georgia 10
- 5. California 8
- 6. Colorado 4
- 7. Ohio 4
- 8. North Carolina 5
Financing a Aire Serv?
Get matched with the SBA lenders that actually fund businesses like yours, ranked on real loan data by state, industry, and size. Independent: your details go only to the lenders we match you to, never to data brokers.
Aire Serv SBA financing FAQ
How much does a Aire Serv franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a Aire Serv franchisee is $250K, and the middle half of Aire Serv's 111 loans run $150K to $275K. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of Aire Serv's franchise disclosure document.
Can you use an SBA loan for Aire Serv?
Yes. Lenders have funded 111 SBA loans to Aire Serv franchisees, worth $26.8M in all, so Aire Serv is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for Aire Serv?
The data says yes: of Aire Serv's 110 SBA loans that record a business age, 76.4% went to new businesses two years old or younger. Expect the lender to look harder at your experience, business plan, and equity injection.
Which lenders finance Aire Serv?
By loan count, the most active SBA lenders for Aire Serv are United Midwest Savings Bank National Association, Byline Bank, CIBC Bank USA, among others. A lender already active with your brand often moves faster.
What is Aire Serv's SBA charge-off rate?
Across Aire Serv's 108 SBA 7(a) loans, 8.3% have charged off. Read it as a relative track-record signal, not a prediction. It is not a lifetime default rate.
Which SBA program fits Aire Serv?
Mostly 7(a): 108 of Aire Serv's 111 SBA loans. The 7(a) program covers the franchise fee, build-out, equipment, and working capital. The median Aire Serv loan term is 10 years.