Franchise · lender intelligence

How to finance a Culligan in Texas

State:

California (1)Kansas (1)New Mexico (1)South Carolina (1)South Dakota (3)

The SBA 7(a) lenders funding the most Culligan deals in Texas, from public loan records — typical Culligan loan about $534K. A bank already funding the brand in your state knows it twice over.

Deal economics— what it takes to buy & finance Culligan in Texas

$395K

Typical loan

range $395K–$395K

$439K

Est. purchase price

≈ loan ÷ 90%

$58,702

Cash to close

$43,889 down + fees

$5,111/mo

Typical payment

~9.5% · 10yr

$70,532/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

Lenders competing

more = leverage

8.25%

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 in Texas

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

1.11 loans · $4M · Henderson, TXFull record →

1+ funded Culligan in Texas 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 →
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Buying a Culligan in Texas? Start with a lender that funds them here

We'll point you to the SBA lenders already financing this brand in your state — 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 Culligan loans with a Texas project address. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Culligan purchase in Texas with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded Texas deals. VeraBank National Association funds the most here. CapBench is not a lender.

$534K typical Culligan loan
1 lenders active in Texas
1+ funded Texas deals

Buyers buying a Culligan in Texas typically pre-qualify, then ask CapBench to introduce a lender already funding the brand here — free for buyers; agents submit a consented lead via the CapBench MCP.

Next steps

Pre-qualify this deal Talk to a loan broker All Culligan lenders

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-24.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/franchise/culligan/texas
API:: https://www.capbench.com/api/public/lenders?franchise=culligan&state=TX
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.