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How to finance a Chem-Dry

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The SBA 7(a) lenders funding the most Chem-Dry deals, ranked from public loan records — typical Chem-Dry loan about $150K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Chem-Dry

$150K

Typical loan

range $100K–$213K

$167K

Est. purchase price

≈ loan ÷ 90%

$21,467

Cash to close

$16,667 down + fees

$2,196/mo

Typical payment

~12.5% · 10yr

$30,305/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

9 days

Typical time to fund

Lenders competing

more = leverage

7.94%

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 Chem-Dry

Ranked by funded Chem-Dry loans. Tap a lender to open its full record, or hit Get in touch for an introduction.

1.31 loans · $11M · Green Bay, WIFull record →
2.42 loans · $19M · Louisville, KYFull record →
3.75 loans · $98M · Sioux Falls, SDFull record →
4.575 loans · $220M · De Graff, OHFull record →

5+ funded Chem-Dry 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.

PRICE FX LLC in Georgetown, IN — $100K (2026) · purchase · Republic Bank & Trust Company
Program
Preferred Lenders Program
Rate at approval
7.95% fixed
Term
84 mo (7 yrs)
SBA guaranteed
$85K (85%)
Approval → funding
41 days
Approved
11/18/2025
First disbursed
12/29/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Change of Ownership
Industry
Carpet and Upholstery Cleaning Services
If you were the buyer here
Est. deal size
$111K
Est. down payment (10%)
$11K
Est. cash at closing
$14K
Monthly payment
$1,556
Annual debt service
$19K
Cash flow needed (1.25×)
$23K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Republic Bank & Trust Company · Lender record →
Your business? Claim this record · Request removal
Reham Corp in Wrentham, MA — $213K (2024) · purchase · Community Bank & Trust-West Georgia
Program
7a General
Rate at approval
11.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$160K (75%)
Approved
12/21/2023
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
Change of Ownership
Industry
Carpet and Upholstery Cleaning Services
If you were the buyer here
Est. deal size
$237K
Est. down payment (10%)
$24K
Est. cash at closing
$32K
Monthly payment
$2,995
Annual debt service
$36K
Cash flow needed (1.25×)
$45K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Community Bank & Trust-West Georgia
Your business? Claim this record · Request removal
Hday Services, LLC in Upton, MA — $299K (2022) · purchase · The Bancorp Bank National Association
Program
Preferred Lenders Program
Rate at approval
8.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$224K (75%)
Approval → funding
4 days
Approved
8/29/2022
First disbursed
9/2/2022
Loan status
In liquidation
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
7
Business age
Change of Ownership
Industry
Carpet and Upholstery Cleaning Services
If you were the buyer here
Est. deal size
$332K
Est. down payment (10%)
$33K
Est. cash at closing
$44K
Monthly payment
$3,670
Annual debt service
$44K
Cash flow needed (1.25×)
$55K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by The Bancorp Bank National Association · Lender record →
Your business? Claim this record · Request removal
JP Cordero Management, Inc. in Fort Worth, TX — $150K (2021) · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$135K (90%)
Approved
7/30/2021
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Startup, Loan Funds will Open Business
Industry
Carpet and Upholstery Cleaning Services
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
NorthStar Total Home Care, LLC in Apple Valley, MN — $100K (2021) · Nicolet National Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$85K (85%)
Approval → funding
9 days
Approved
1/13/2021
First disbursed
1/22/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Startup, Loan Funds will Open Business
Industry
Carpet and Upholstery Cleaning Services
Funded by Nicolet National Bank · Lender record →
Your business? Claim this record · Request removal

Buying a Chem-Dry? 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.

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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.

By submitting, I agree that CapBench may share my contact information with SBA lending partners and loan brokers (including partners who compensate CapBench), and that they and CapBench may contact me about financing by phone, email, and text — including via autodialed or prerecorded calls and messages — at the phone number and email I provide. Consent is not a condition of any purchase or service, and message and data rates may apply. CapBench is not a lender and makes no credit decision.

CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to Chem-Dry businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Chem-Dry 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. Nicolet National Bank funds the most. CapBench is not a lender.

$150K typical Chem-Dry loan
5 lenders fund the brand
9 days typical to fund

Buyers researching a Chem-Dry 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.

Next steps

Pre-qualify this deal Talk to a loan broker Chem-Dry record

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/lenders/franchise/chem-dry
API:: https://www.capbench.com/api/public/lenders?franchise=chem-dry
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.