Franchise · lender intelligence

How to finance a Culligan

State:

The SBA 7(a) lenders funding the most Culligan deals, ranked from public loan records — typical Culligan loan about $534K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Culligan

$534K

Typical loan

range $150K–$883K

$593K

Est. purchase price

≈ loan ÷ 90%

$79,285

Cash to close

$59,278 down + fees

$6,903/mo

Typical payment

~9.5% · 10yr

$95,261/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

19 days

Typical time to fund

Lenders competing

more = leverage

9.36%

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 Culligan

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

1.16 loans · $9M · Brookings, SDFull record →
2.168 loans · $205M · Fishers, INFull record →
3.11 loans · $4M · Henderson, TXFull record →
4.16 loans · $18M · Chicago, ILFull record →
5.318 loans · $229M · Osage Beach, MOFull record →
6.20 loans · $8M · Saint Petersburg, FLFull record →

8+ funded Culligan 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.

P. T. RATCLIFF HOLDINGS LLC in Brenham, TX — $395K (2026) · VeraBank National Association
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
8.25% variable
Term
300 mo (25 yrs)
SBA guaranteed
$198K (50%)
Approved
3/18/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
7
Business age
New Business or 2 years or less
Industry
Water Supply and Irrigation Systems
Funded by VeraBank National Association · Lender record →
Your business? Claim this record · Request removal
BMH HOLDINGS LLC in Brookings, SD — $545K (2025) · First Bank & Trust
Program
Preferred Lenders Program
Rate at approval
8.75% variable
Term
300 mo (25 yrs)
SBA guaranteed
$409K (75%)
Approval → funding
13 days
Approved
8/15/2025
First disbursed
8/28/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
3
Business age
New Business or 2 years or less
Industry
Water Supply and Irrigation Systems
Funded by First Bank & Trust · Lender record →
Your business? Claim this record · Request removal
ENREC ENTERPRISES, INC. in Olathe, KS — $534K (2024) · First Bank of the Lake
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$400K (75%)
Approval → funding
54 days
Approved
2/16/2024
First disbursed
4/10/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
110
Business age
Existing or more than 2 years old
Industry
Bottled Water Manufacturing
Funded by First Bank of the Lake · Lender record →
Your business? Claim this record · Request removal
WATER QUALITY SERVICES, INC. in Roswell, NM — $150K (2024) · BayFirst National Bank
Program
Preferred Lenders Program
Rate at approval
13.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$128K (85%)
Approval → funding
2 days
Approved
9/30/2024
First disbursed
10/2/2024
Loan status
Current
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
1
Business age
Existing or more than 2 years old
Industry
Water Supply and Irrigation Systems
Funded by BayFirst National Bank · Lender record →
Your business? Claim this record · Request removal
HANSON WATER CONDITIONING INC in Brookings, SD — $113K (2024) · First Bank & Trust
Program
Preferred Lenders Program
Rate at approval
11.05% variable
Term
120 mo (10 yrs)
SBA guaranteed
$96K (85%)
Approval → funding
8 days
Approved
7/2/2024
First disbursed
7/10/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Existing or more than 2 years old
Industry
Water Supply and Irrigation Systems
Funded by First Bank & Trust · Lender record →
Your business? Claim this record · Request removal
HANSON WATER CONDITIONING INC in Brookings, SD — $30K (2024) · First Bank & Trust
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10.5% variable
Term
72 mo (6 yrs)
SBA guaranteed
$15K (50%)
Approval → funding
101 days
Approved
7/2/2024
First disbursed
10/11/2024
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Existing or more than 2 years old
Industry
Water Supply and Irrigation Systems
Funded by First Bank & Trust · Lender record →
Your business? Claim this record · Request removal
Low Country Water Conditioning, Inc in Hilton Head Island, SC — $883K (2023) · First Internet Bank of Indiana
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$662K (75%)
Approval → funding
19 days
Approved
12/15/2022
First disbursed
1/3/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
2
Business age
Existing or more than 2 years old
Industry
Other Direct Selling Establishments
Funded by First Internet Bank of Indiana · Lender record →
Your business? Claim this record · Request removal
Ising Properties LLC in Livermore, CA — $3.3M (2021) · BMO Bank National Association
Program
Preferred Lenders Program
Rate at approval
3.3% fixed
Term
300 mo (25 yrs)
SBA guaranteed
$2.5M (75%)
Approval → funding
69 days
Approved
12/1/2020
First disbursed
2/8/2021
Loan status
Current
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Business age
Existing or more than 2 years old
Industry
Bottled Water Manufacturing
Funded by BMO Bank National Association · Lender record →
Your business? Claim this record · Request removal

Buying a Culligan? 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.

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 Culligan businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Culligan 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. First Bank & Trust funds the most. CapBench is not a lender.

$534K typical Culligan loan
6 lenders fund the brand
19 days typical to fund

Buyers researching a Culligan 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 Culligan 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/culligan
API:: https://www.capbench.com/api/public/lenders?franchise=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.