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WaterStation, by the numbers

WaterStation appears in 112 SBA 7(a) loans since 2020, with a 0.89% cohort charge-off (failure) rate — from public SBA 7(a) loan records (FY2020–present). Every figure below comes from real financed deals: what buyers paid, where, and how the loans performed.

112 deals since 2020 · typical deal $420K · 0.89% failure rate

112

Deals since 2020

$420K

Typical deal

0

Deals since FY2025

0.89%

Failure rate (FY20–23)

WaterStation buyers almost always make it — a 0.89% failure rate puts it among the safest franchise bets on record.

What buyers pay for WaterStation

Most WaterStation deals financed between $255K and $956K. Above $956K, you're paying more than 75% of buyers did — make the seller earn it.

Monthly payment (10-yr)
$5,492
Down payment (10%)
$47K
Cash to close (all-in)
$62K

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 ~$62K)

Experience

Recent financings

  • WaterStation in Dubuque, IA — $900K (2023) · Celtic Bank Corporation
  • Rose Trail Ventures 2 LLC in Memphis, TN — $2.3M (2022) · Celtic Bank Corporation
  • Kmandy Investments L.L.C. in Mckinney, TX — $587K (2022) · Celtic Bank Corporation
  • YANI WATER LLC in Holmdel, NJ — $350K (2022) · Celtic Bank Corporation
  • AQUASPERO LLC in Indianapolis, IN — $306K (2022) · Celtic Bank Corporation
  • Rex Ventures, LLC in Arvada, CO — $207K (2022) · Celtic Bank Corporation
  • H2O Station Holdings LLC in Ambler, PA — $3.5M (2021) · Meridian Bank
  • Wet Like Water LLC in Indianapolis, IN — $3.1M (2021) · Stock Yards Bank & Trust Company
  • Water Station in Spring, TX — $2.9M (2021) · Celtic Bank Corporation
  • Granite Street Ventures LLC in Walnut Creek, CA — $2.8M (2021) · Community Bank & Trust-West Georgia

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

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WaterStation brand mark

Who funds WaterStation — and where

Every dot is a financed WaterStation — 111 mapped.

Financed WaterStation locations — list all 111 as text

Top lenders for this brand

  1. 1.UniBank (79)
  2. 2.Celtic Bank Corporation(18)
  3. 3.Newtek Small Business Finance, Inc. (6)
  4. 4.Meridian Bank(3)
  5. 5.Community Bank & Trust-West Georgia (2)

Most active states

  1. 1.Texas (17 loans)WaterStation lenders in Texas->
  2. 2.California (13 loans)WaterStation lenders in California->
  3. 3.Washington (10 loans)WaterStation lenders in Washington->
  4. 4.Indiana (9 loans)WaterStation lenders in Indiana->
  5. 5.Florida (7 loans)WaterStation lenders in Florida->
  6. 6.Illinois (6 loans)WaterStation lenders in Illinois->
  7. 7.New Jersey (4 loans)WaterStation lenders in New Jersey->
  8. 8.Pennsylvania (4 loans)WaterStation lenders in Pennsylvania->

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Common questions

How much does a WaterStation cost to buy or open?

The typical deal for WaterStation is $420K across 112 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $46K of buyer cash on a typical deal.

How risky is WaterStation?

0.89% of WaterStation's FY2020–23 deals failed and were written off. Under 1% is excellent; 1–3% is normal; above 3% deserves hard questions before the LOI.

Can I finance a WaterStation with an SBA loan?

Yes — WaterStation 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 WaterStation franchise

Most WaterStation 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 WaterStation deal financed for $420K, which points to about $46K of buyer cash on a typical purchase. Confirm WaterStation's current SBA Franchise Directory listing with your lender before the LOI. See the lenders that already fund WaterStation — 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 WaterStation — 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 WaterStation — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. WaterStation is not currently confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

  • 112 SBA 7(a) deals since 2020
  • $420K typical deal
  • 0 deals since FY2025
  • 0.89% failure rate (FY20–23 cohort)
  • Top lenders: UniBank, Celtic Bank Corporation, Newtek Small Business Finance, Inc.

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 2026-08-02.
Sources:
Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:
https://www.capbench.com/franchises/waterstation
API:
https://www.capbench.com/api/public/franchises/waterstation
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 WaterStation.

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