Buff City Soap, by the numbers
Every figure below comes from real financed deals — what buyers paid, where, and how the loans performed.
SBA Franchise Directory: listed ✓ (identifier S3749)
19 deals since 2020 · typical deal $350K
19
Deals since 2020
$350K
Typical deal
0
Deals since FY2025
—
Too few deals to score risk
What buyers pay for Buff City Soap
Most Buff City Soap deals financed between $260K and $350K. Above $350K, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $4,871
- Down payment (10%)
- $39K
- Cash to close (all-in)
- $52K
Estimates at today's rates and standard 7(a) terms. Not a loan offer.
Could you get the loan?
Three answers. No documents, no credit pull.
Credit score
Available cash (you'll need ~$52K)
Experience
Recent financings
- Chickabee, Inc. in Burns, TN — $100K (2024) · Sonata Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 11.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $50K (50%)
- Approval → funding
- 45 days
- Approved
- 4/17/2024
- First disbursed
- 6/1/2024
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 40
- Business age
- Existing or more than 2 years old
- Industry
- Cosmetics, Beauty Supplies, and Perfume Retailers
Funded by Sonata Bank
Your business? Claim this record · Request removal
- EMERALD COAST SOAPS, L.L.C. in Mary Esther, FL — $260K (2023) · Old National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $195K (75%)
- Approval → funding
- 25 days
- Approved
- 10/20/2022
- First disbursed
- 11/14/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 6
- Business age
- New Business or 2 years or less
- Industry
- All Other Health and Personal Care Retailers
Funded by Old National Bank · Lender record →
Your business? Claim this record · Request removal
- Texas Soap Co LLC in Murphy, TX — $601K (2022) · Bank OZK
- Program
- Preferred Lenders Program
- Rate at approval
- 8% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $451K (75%)
- Approval → funding
- 14 days
- Approved
- 9/9/2022
- First disbursed
- 9/23/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 6
- Business age
- Existing or more than 2 years old
- Industry
- All Other Health and Personal Care Retailers
Funded by Bank OZK · Lender record →
Your business? Claim this record · Request removal
- BCS MN Development LLC in Andover, MN — $1.7M (2021) · The Bank of Elk River
- Program
- Preferred Lenders Program
- Rate at approval
- 4.34% variable
- Term
- 132 mo (11 yrs)
- SBA guaranteed
- $1.5M (90%)
- Approval → funding
- 28 days
- Approved
- 8/31/2021
- First disbursed
- 9/28/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 112
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Soap and Other Detergent Manufacturing
Funded by The Bank of Elk River · Lender record →
Your business? Claim this record · Request removal
- Prosper Soap Company LLC in Prosper, TX — $350K (2021) · Bank OZK
- Program
- Preferred Lenders Program
- Rate at approval
- 5.75% variable
- Term
- 129 months
- SBA guaranteed
- $315K (90%)
- Approval → funding
- 7 days
- Approved
- 4/23/2021
- First disbursed
- 4/30/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- All Other Health and Personal Care Stores
Funded by Bank OZK · Lender record →
Your business? Claim this record · Request removal
- Desert Made, LLC in Tempe, AZ — $350K (2021) · Southwest Heritage Bank
- Program
- 7a General
- Rate at approval
- 5.25% variable
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $263K (75%)
- Approval → funding
- 43 days
- Approved
- 12/3/2020
- First disbursed
- 1/15/2021
- Loan status
- Failed — $317K charged off (10/4/2024)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 12
- Business age
- New Business or 2 years or less
- Industry
- Soap and Other Detergent Manufacturing
Funded by Southwest Heritage Bank · Lender record →
Your business? Claim this record · Request removal
- Clarence BCS, LLC in Buffalo, NY — $350K (2021) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 4.6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $315K (90%)
- Approval → funding
- 110 days
- Approved
- 9/22/2021
- First disbursed
- 1/10/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 15
- Business age
- New Business or 2 years or less
- Industry
- Soap and Other Detergent Manufacturing
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- Victor BCS, LLC in Victor, NY — $350K (2021) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 4.6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $315K (90%)
- Approval → funding
- 275 days
- Approved
- 9/22/2021
- First disbursed
- 6/24/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 16
- Business age
- New Business or 2 years or less
- Industry
- Soap and Other Detergent Manufacturing
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- Henrietta BCS, LLC in Rochester, NY — $350K (2021) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 4.6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $315K (90%)
- Approval → funding
- 197 days
- Approved
- 9/22/2021
- First disbursed
- 4/7/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 16
- Business age
- New Business or 2 years or less
- Industry
- Soap and Other Detergent Manufacturing
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- Dewitt BCS, LLC in Syracuse, NY — $350K (2021) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 4.6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $315K (90%)
- Approval → funding
- 84 days
- Approved
- 9/22/2021
- First disbursed
- 12/15/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 16
- Business age
- New Business or 2 years or less
- Industry
- Soap and Other Detergent Manufacturing
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.
One of these businesses yours? Claim your listing or request removal.
Free · No documents · Usually same-day
Serious about buying a Buff City Soap?
Get qualified with a franchise lending specialist before discovery day — know your number first.
Who funds Buff City Soap — and where
Every dot is a financed Buff City Soap — 19 mapped.
Financed Buff City Soap locations — list all 19 as text
- Prosper Soap Company LLC — Prosper · $350K · FY2021 · All Other Health and Personal Care Stores
- EMERALD COAST SOAPS, L.L.C. — Mary Esther · $260K · FY2023 · All Other Health and Personal Care Retailers
- Texas Soap Co LLC — Celina · $280K · FY2020 · All Other Health and Personal Care Stores
- Desert Made, LLC — Tempe · $350K · FY2021 · Soap and Other Detergent Manufacturing
- Texas Soap Co LLC — Murphy · $601K · FY2022 · All Other Health and Personal Care Retailers
- Chickabee, Inc. — Burns · $100K · FY2024 · Cosmetics, Beauty Supplies, and Perfume Retailers
- ChickaBee, Inc. — Dickson · $248K · FY2020 · All Other Miscellaneous Store Retailers (except Tobacco Stor
- KSC HOLDINGS LLC — Southhaven · $218K · FY2020 · Cosmetics, Beauty Supplies, and Perfume Stores
- OCEAN VIEW BCS CORPORATION — Gulf Breeze · $213K · FY2020 · All Other Health and Personal Care Stores
- BCS OF NORTH GEORGIA CORPORATION — Peachtree Corners · $328K · FY2020 · Cosmetics, Beauty Supplies, and Perfume Stores
- Natural Choice llc — Wilmington · $300K · FY2021 · All Other Health and Personal Care Stores
- BCS MN Development LLC — Andover · $1.7M · FY2021 · Soap and Other Detergent Manufacturing
- Clarence BCS, LLC — Buffalo · $350K · FY2021 · Soap and Other Detergent Manufacturing
- Victor BCS, LLC — Victor · $350K · FY2021 · Soap and Other Detergent Manufacturing
- Henrietta BCS, LLC — Rochester · $350K · FY2021 · Soap and Other Detergent Manufacturing
- Dewitt BCS, LLC — Syracuse · $350K · FY2021 · Soap and Other Detergent Manufacturing
- Amherst BCS, LLC — Amherst · $350K · FY2021 · Soap and Other Detergent Manufacturing
- New Hartford BCS, LLC — New Hartford · $350K · FY2021 · Soap and Other Detergent Manufacturing
- KSC Holdings 2, LLC — Tupelo · $350K · FY2021 · All Other General Merchandise Stores
Top lenders for this brand
Most active states
- 1.New York (6 loans)
- 2.Texas (3 loans)
- 3.Florida (2 loans)
- 4.Tennessee (2 loans)
- 5.Mississippi (2 loans)
- 6.Arizona (1 loans)
- 7.Georgia (1 loans)
- 8.Delaware (1 loans)
Represent Buff City Soap?
Claim this brand page free to keep the numbers in context, add your story, and hear about qualified buyers early.
Common questions
How much does a Buff City Soap cost to buy or open?
The typical deal for Buff City Soap is $350K across 19 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $39K of buyer cash on a typical deal.
How risky is Buff City Soap?
Buff City Soap has 19 SBA loans on record since 2020 — too few to score a reliable failure rate. Judge the unit economics and the franchisor's disclosure document, not a small sample.
Can I finance a Buff City Soap with an SBA loan?
Yes — Buff City Soap has been SBA-financed 0 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.
Buying a Buff City Soap franchise
Most Buff City Soap buyers finance the purchase or build-out with an SBA 7(a) loan — up to 90% of the cost with roughly 10% down. The typical Buff City Soap deal financed for $350K, which points to about $39K of buyer cash on a typical purchase. Buff City Soap is listed in the SBA Franchise Directory (identifier S3749), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Buff City Soap — a bank that knows the brand approves faster — or pre-qualify for financing to see your likely loan size first.
AI summary
This profile summarizes public SBA financing activity for Buff City Soap — lender activity, typical loan sizes, financing history, and risk and failure signals where available — via CapBench SBA Intelligence. CapBench is not a lender.
Source: CapBench SBA Intelligence, based on public SBA, lender, franchise, FDIC, and related records. CapBench is not a lender and does not guarantee financing.
Agent summary
This page summarizes public SBA 7(a) financing for Buff City Soap — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Buff City Soap is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 19 SBA 7(a) deals since 2020
- $350K typical deal
- 0 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S3749)
- Top lenders: Live Oak Banking Company, Bank OZK, Old National Bank
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
- Sources:
- Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
- Methodology:
- Sources & methodology
- Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
- Figures come from public records and CapBench methodology; verify before relying on them.
- Financing figures are historical SBA loan records, not a current offer or franchise availability. Confirm SBA Franchise Directory listing with your lender before an LOI.
Still have questions about buying a Buff City Soap?
Five minutes with a specialist who's seen Buff City Soap deals close answers more than an hour of searching. Free, usually same-day.
Represent Buff City Soap?
Claim this brand page to keep the numbers in context, add your story, and hear about qualified buyers early.
CapBench analysis of public lending records, FY2020–present. Charge-off rate measured on the FY2020–23 cohort. Not affiliated with Buff City Soap.