Franchise · lender intelligence
How to finance a Buff City Soap
The SBA 7(a) lenders funding the most Buff City Soap deals, ranked from public loan records — typical Buff City Soap loan about $350K. A bank that has funded the brand knows the model — faster approvals, better terms.
Deal economics— what it takes to buy & finance Buff City Soap
$350K
Typical loan
range $260K–$350K
$389K
Est. purchase price
≈ loan ÷ 90%
$52,014
Cash to close
$38,889 down + fees
$4,821/mo
Typical payment
~11% · 10yr
$66,530/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
28 days
Typical time to fund
10
Lenders competing
more = leverage
6.32%
Avg rate on record
cap ~9.75%
Estimates for planning, not an offer — derived from the typical funded loan at today's Prime over 10yr. Not a credit decision.
Most active with Buff City Soap
Ranked by funded Buff City Soap loans. Tap a lender to open its full record, or hit Get in touch for an introduction.
- 1.1,296 loans · $1.4B · Wilmington, NCFull record →
- 2.4 loans · $2M · Little Rock, ARFull record →
- 3.116 loans · $120M · Evansville, INFull record →
- 4.62 loans · $21M · Saint Cloud, MNFull record →
- 5.1 loans · $1M · Scottsdale, AZFull record →
- 6.39 loans · $31M · Duluth, GAFull record →
- 7.10 loans · $2M · Elk River, MNFull record →
- 8.1,025 loans · $292M · Berkeley Heights, NJFull record →
19+ funded Buff City Soap deals
Real SBA 7(a) acquisitions from public records — see who got funded, for how much, and by which lender. Tap any deal for the full record.
- 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
- Amherst BCS, LLC in Amherst, 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
- 175 days
- Approved
- 9/22/2021
- First disbursed
- 3/16/2022
- 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
- New Hartford BCS, LLC in New Hartford, NY — $350K (2021) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 4.6% variable
- Term
- 126 months
- SBA guaranteed
- $315K (90%)
- Approval → funding
- 58 days
- Approved
- 9/22/2021
- First disbursed
- 11/19/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 23
- 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
- KSC Holdings 2, LLC in Tupelo, MS — $350K (2021) · Readycap Lending, LLC
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $315K (90%)
- Approval → funding
- 1 days
- Approved
- 9/29/2021
- First disbursed
- 9/30/2021
- Loan status
- In workout — SBA bought the guarantee
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 23
- Business age
- New Business or 2 years or less
- Industry
- All Other General Merchandise Stores
Funded by Readycap Lending, LLC · Lender record →
Your business? Claim this record · Request removal
- Natural Choice llc in Wilmington, DE — $300K (2021) · Wells Fargo Bank National Association
- Program
- 7a General
- Rate at approval
- 6.35% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $270K (90%)
- Approval → funding
- 173 days
- Approved
- 8/15/2021
- First disbursed
- 2/4/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 19
- Business age
- Startup, Loan Funds will Open Business
- Industry
- All Other Health and Personal Care Stores
Funded by Wells Fargo Bank National Association · Lender record →
Your business? Claim this record · Request removal
- BCS OF NORTH GEORGIA CORPORATION in Peachtree Corners, GA — $328K (2020) · PromiseOne Bank
- Program
- 7a General
- Rate at approval
- 7.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $246K (75%)
- Approval → funding
- 28 days
- Approved
- 3/3/2020
- First disbursed
- 3/31/2020
- Loan status
- Paid in full (9/30/2023)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 7
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Cosmetics, Beauty Supplies, and Perfume Stores
Funded by PromiseOne Bank · Lender record →
Your business? Claim this record · Request removal
- Texas Soap Co LLC in Celina, TX — $280K (2020) · Bank OZK
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $210K (75%)
- Approval → funding
- 27 days
- Approved
- 9/3/2020
- First disbursed
- 9/30/2020
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 8
- 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
- ChickaBee, Inc. in Dickson, TN — $248K (2020) · Old National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 7.75% variable
- Term
- 126 months
- SBA guaranteed
- $186K (75%)
- Approval → funding
- 28 days
- Approved
- 10/3/2019
- First disbursed
- 10/31/2019
- Loan status
- Paid in full (10/31/2022)
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 10
- Business age
- Startup, Loan Funds will Open Business
- Industry
- All Other Miscellaneous Store Retailers (except Tobacco Stor
Funded by Old National Bank · Lender record →
Your business? Claim this record · Request removal
- KSC HOLDINGS LLC in Southhaven, MS — $218K (2020) · Stearns Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 7.75% variable
- Term
- 123 months
- SBA guaranteed
- $163K (75%)
- Approval → funding
- 23 days
- Approved
- 10/8/2019
- First disbursed
- 10/31/2019
- Loan status
- Paid in full (4/30/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 10
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Cosmetics, Beauty Supplies, and Perfume Stores
Funded by Stearns Bank National Association · Lender record →
Your business? Claim this record · Request removal
- OCEAN VIEW BCS CORPORATION in Gulf Breeze, FL — $213K (2020) · Stearns Bank National Association
- Program
- 7a General
- Rate at approval
- 7.5% variable
- Term
- 123 months
- SBA guaranteed
- $160K (75%)
- Approval → funding
- 18 days
- Approved
- 12/13/2019
- First disbursed
- 12/31/2019
- Loan status
- Paid in full (12/31/2021)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 10
- Business age
- Startup, Loan Funds will Open Business
- Industry
- All Other Health and Personal Care Stores
Funded by Stearns Bank National Association · Lender record →
Your business? Claim this record · Request removal
Buying a Buff City Soap? Start with a lender that has funded the brand
We'll point you to the SBA lenders already financing this brand — and help you make them compete on rate and speed.
Free · No documents · Usually same-day
Backed by data on 1,000+ SBA lenders and 300,000+ funded deals. Your details go only to lending partners you ask to be matched with — never sold to advertisers.
CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to Buff City Soap businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Buff City Soap purchase with an SBA 7(a) loan: the lenders that fund the brand most (from public records), the typical loan size, and what it takes to qualify. Live Oak Banking Company funds the most. CapBench is not a lender.
- $350K typical Buff City Soap loan
- 10 lenders fund the brand
- 28 days typical to fund
Buyers researching a Buff City Soap typically pre-qualify for SBA 7(a) financing next, then ask CapBench to introduce a lender that already funds the brand — free for buyers; agents can submit a consented lead via the CapBench MCP.
- 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.