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Culligan, 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 S0448)

8 deals since 2020 · typical deal $534K

8

Deals since 2020

$534K

Typical deal

2

Deals since FY2025

—

Too few deals to score risk

Culligan has 8 SBA deals on record — real financing history, but too few to score a failure rate you should trust. Underwrite the location and the FDD.

What buyers pay for Culligan

Most Culligan deals financed between $150K and $883K. Above $883K, you're paying more than 75% of buyers did — make the seller earn it.

Monthly payment (10-yr)
$6,977
Down payment (10%)
$59K
Cash to close (all-in)
$79K

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 ~$79K)

Experience

Recent financings

  • P. T. RATCLIFF HOLDINGS LLC in Brenham, TX — $395K (2026) · VeraBank National Association
  • BMH HOLDINGS LLC in Brookings, SD — $545K (2025) · First Bank & Trust
  • ENREC ENTERPRISES, INC. in Olathe, KS — $534K (2024) · First Bank of the Lake
  • WATER QUALITY SERVICES, INC. in Roswell, NM — $150K (2024) · BayFirst National Bank
  • HANSON WATER CONDITIONING INC in Brookings, SD — $113K (2024) · First Bank & Trust
  • HANSON WATER CONDITIONING INC in Brookings, SD — $30K (2024) · First Bank & Trust
  • Low Country Water Conditioning, Inc in Hilton Head Island, SC — $883K (2023) · First Internet Bank of Indiana
  • Ising Properties LLC in Livermore, CA — $3.3M (2021) · BMO Bank National Association

Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.

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Culligan brand mark

Who funds Culligan — and where

Every dot is a financed Culligan — 8 mapped.

Financed Culligan locations — list all 8 as text

Top lenders for this brand

  1. 1.First Bank & Trust(3)
  2. 2.First Internet Bank of Indiana(1)
  3. 3.VeraBank National Association(1)
  4. 4.BMO Bank National Association(1)
  5. 5.First Bank of the Lake(1)

Most active states

  1. 1.South Dakota (3 loans)
  2. 2.South Carolina (1 loans)
  3. 3.Texas (1 loans)
  4. 4.California (1 loans)
  5. 5.Kansas (1 loans)
  6. 6.New Mexico (1 loans)

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Common questions

How much does a Culligan cost to buy or open?

The typical deal for Culligan is $534K across 8 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $59K of buyer cash on a typical deal.

How risky is Culligan?

Culligan has 8 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 Culligan with an SBA loan?

Yes — Culligan has been SBA-financed 2 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

Buying a Culligan franchise

Most Culligan 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 Culligan deal financed for $534K, which points to about $59K of buyer cash on a typical purchase. Culligan is listed in the SBA Franchise Directory (identifier S0448), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Culligan — 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 Culligan — 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 Culligan — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Culligan is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

  • 8 SBA 7(a) deals since 2020
  • $534K typical deal
  • 2 deals since FY2025
  • Too few deals to score a reliable failure rate
  • SBA Franchise Directory: listed (identifier S0448)
  • Top lenders: First Bank & Trust, First Internet Bank of Indiana, VeraBank National Association

Next steps

Check SBA fitFind SBA lenders$9 lender report
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.
Canonical:
https://www.capbench.com/franchises/culligan
API:
https://www.capbench.com/api/public/franchises/culligan
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.

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CapBench analysis of public lending records, FY2020–present. Charge-off rate measured on the FY2020–23 cohort. Not affiliated with Culligan.

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