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NAICS 238220, industry

NAICS 238220: Plumbing, heating, and air-conditioning contractors

NAICS 238220 is the industry code for plumbing, heating, and air-conditioning contractors. Use it on loan applications, tax forms and registrations. Explore financing for construction and start your application when you are ready.

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What 238220 covers

Businesses classified here install and service plumbing, heating, ventilation and air conditioning systems in buildings, including fire sprinklers and duct work.

Included in this code

  • Plumbing contractors
  • HVAC installation and repair
  • Fire sprinkler installers
  • Duct work
  • Boiler installation
  • Geothermal heat pump installation

Not this code

Businesses that use 238220

Residential plumberCommercial HVAC installerBoiler service companyFire sprinkler contractor

Financing for this trade

Specialty contractors use equipment loans for service vans and HVAC diagnostic gear, plus consumer financing programs for homeowners, working capital lines and invoice factoring to bridge slow pay and retainage, and SBA 7(a) for growth or buyouts. Lenders look at licensing, service agreement revenue, seasonality and receivables.

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Is 238220 the right code for a plumbing or HVAC contractor?

Yes, if your business installs or services plumbing, heating or air conditioning. The code for commercial refrigeration repair is 811310. Pick the code that matches the activity earning most of your revenue, and use that same code on your tax return, loan applications and SBA forms so lenders see one consistent picture.

What is the SBA size standard for 238220?

The SBA size standard for 238220 is $19 million in average annual receipts. A business at or under that figure, counting affiliates, is small for SBA loans such as 7(a) and 504 and for federal contracting set asides. Receipts are averaged over the five most recently completed fiscal years.

What financing do plumbing and HVAC contractors use?

Specialty contractors use equipment loans for service vans and HVAC diagnostic gear, plus consumer financing programs for homeowners, working capital lines and invoice factoring to bridge slow pay and retainage, and SBA 7(a) for growth or buyouts. Lenders look at licensing, service agreement revenue, seasonality and receivables. Lenders that already fund this trade move faster because they know how to read its cash cycle.

What does NAICS 238220 cover?

Plumbing, heating, and air-conditioning contractors. Industry level code in NAICS 2022, under 23 Construction, 238 Specialty trade contractors, 2382 Building equipment contractors, 23822 Plumbing, heating, and air-conditioning contractors.

What financing do NAICS 238220 businesses use?

Equipment financing, working capital, SBA loans and invoice factoring are the products placed most for construction businesses. Start an application and the AI matches the deal to lenders that fund this code.

Where do I put NAICS 238220?

On the SBA loan application, on federal Schedule C or Form 1120, on SAM.gov and state registrations, and on most lender applications. A business can report more than one code; use this one if it describes what produces most of your revenue.