Franchise · lender intelligence

How to finance a WaterStation

State:

The SBA 7(a) lenders funding the most WaterStation deals, ranked from public loan records — typical WaterStation loan about $420K, 0.89% failure rate across 112 loans. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance WaterStation

$420K

Typical loan

range $255K–$956K

$467K

Est. purchase price

≈ loan ÷ 90%

$62,417

Cash to close

$46,667 down + fees

$5,435/mo

Typical payment

~9.5% · 10yr

$75,003/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

99.1%

Still performing

0.9% default · FY20–23

11 days

Typical time to fund

Lenders competing

more = leverage

6.12%

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 WaterStation

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

1.868 loans · $362M · Salt Lake City, UTFull record →
2.24 loans · $17M · Wayne, PAFull record →
3.99 loans · $43M · Walla Walla, WAFull record →
4.31 loans · $13M · Louisville, KYFull record →
5.9 loans · $5M · Wausau, WIFull record →

112+ funded WaterStation 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.

WaterStation in Dubuque, IA — $900K (2023) · Celtic Bank Corporation
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$675K (75%)
Approval → funding
14 days
Approved
10/20/2022
First disbursed
11/3/2022
Loan status
In liquidation
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
1
Business age
Startup, Loan Funds will Open Business
Industry
Vending Machine Operators
Funded by Celtic Bank Corporation · Lender record →
Your business? Claim this record · Request removal
Rose Trail Ventures 2 LLC in Memphis, TN — $2.3M (2022) · Celtic Bank Corporation
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
94 months
SBA guaranteed
$1.7M (75%)
Approval → funding
4 days
Approved
11/26/2021
First disbursed
11/30/2021
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
2
Business age
New Business or 2 years or less
Industry
Vending Machine Operators
Funded by Celtic Bank Corporation · Lender record →
Your business? Claim this record · Request removal
Kmandy Investments L.L.C. in Mckinney, TX — $587K (2022) · Celtic Bank Corporation
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
89 months
SBA guaranteed
$440K (75%)
Approval → funding
6 days
Approved
1/5/2022
First disbursed
1/11/2022
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
1
Business age
Startup, Loan Funds will Open Business
Industry
Vending Machine Operators
Funded by Celtic Bank Corporation · Lender record →
Your business? Claim this record · Request removal
YANI WATER LLC in Holmdel, NJ — $350K (2022) · Celtic Bank Corporation
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$263K (75%)
Approval → funding
30 days
Approved
2/14/2022
First disbursed
3/16/2022
Loan status
Paid in full (5/31/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
2
Business age
Startup, Loan Funds will Open Business
Industry
Other Building Equipment Contractors
Funded by Celtic Bank Corporation · Lender record →
Your business? Claim this record · Request removal
AQUASPERO LLC in Indianapolis, IN — $306K (2022) · Celtic Bank Corporation
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
94 months
SBA guaranteed
$230K (75%)
Approval → funding
10 days
Approved
2/25/2022
First disbursed
3/7/2022
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
1
Business age
Existing or more than 2 years old
Industry
Vending Machine Operators
Funded by Celtic Bank Corporation · Lender record →
Your business? Claim this record · Request removal
Rex Ventures, LLC in Arvada, CO — $207K (2022) · Celtic Bank Corporation
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$155K (75%)
Approval → funding
0 days
Approved
11/30/2021
First disbursed
11/30/2021
Loan status
Paid in full (7/31/2023)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
1
Business age
Startup, Loan Funds will Open Business
Industry
Vending Machine Operators
Funded by Celtic Bank Corporation · Lender record →
Your business? Claim this record · Request removal
H2O Station Holdings LLC in Ambler, PA — $3.5M (2021) · Meridian Bank
Program
Preferred Lenders Program
Rate at approval
5.5% variable
Term
69 months
SBA guaranteed
$2.6M (75%)
Approval → funding
18 days
Approved
11/12/2020
First disbursed
11/30/2020
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
1
Business age
New Business or 2 years or less
Industry
Other Commercial and Service Industry Machinery Manufacturin
Funded by Meridian Bank · Lender record →
Your business? Claim this record · Request removal
Wet Like Water LLC in Indianapolis, IN — $3.1M (2021) · Stock Yards Bank & Trust Company
Program
Preferred Lenders Program
Rate at approval
3.85% variable
Term
120 mo (10 yrs)
SBA guaranteed
$2.8M (90%)
Approval → funding
59 days
Approved
8/3/2021
First disbursed
10/1/2021
Loan status
Paid in full (7/31/2022)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
1
Business age
New Business or 2 years or less
Industry
Vending Machine Operators
Funded by Stock Yards Bank & Trust Company · Lender record →
Your business? Claim this record · Request removal
Water Station in Spring, TX — $2.9M (2021) · Celtic Bank Corporation
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
89 months
SBA guaranteed
$2.7M (90%)
Approval → funding
19 days
Approved
8/11/2021
First disbursed
8/30/2021
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
2
Business age
New Business or 2 years or less
Industry
Vending Machine Operators
Funded by Celtic Bank Corporation · Lender record →
Your business? Claim this record · Request removal
Granite Street Ventures LLC in Walnut Creek, CA — $2.8M (2021) · Community Bank & Trust-West Georgia
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$2.5M (90%)
Approval → funding
23 days
Approved
7/28/2021
First disbursed
8/20/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
4
Business age
Startup, Loan Funds will Open Business
Industry
Water Supply and Irrigation Systems
Funded by Community Bank & Trust-West Georgia
Your business? Claim this record · Request removal
Arravend LLC in Sheridan, WY — $2.7M (2021) · UniBank
Program
Preferred Lenders Program
Rate at approval
5.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$2.4M (90%)
Approval → funding
10 days
Approved
2/19/2021
First disbursed
3/1/2021
Loan status
Paid in full (12/31/2023)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
2
Business age
Startup, Loan Funds will Open Business
Industry
Vending Machine Operators
Funded by UniBank
Your business? Claim this record · Request removal
Keystone Water Holdings, LLC in Ambler, PA — $2.6M (2021) · Meridian Bank
Program
Preferred Lenders Program
Rate at approval
5.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$2.3M (90%)
Approval → funding
15 days
Approved
2/1/2021
First disbursed
2/16/2021
Loan status
In liquidation
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
Startup, Loan Funds will Open Business
Industry
Other Commercial and Service Industry Machinery Manufacturin
Funded by Meridian Bank · Lender record →
Your business? Claim this record · Request removal
YNNEJ, LLC in San Tan Valley, AZ — $2.4M (2021) · Meridian Bank
Program
Preferred Lenders Program
Rate at approval
5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$2.2M (90%)
Approval → funding
11 days
Approved
8/20/2021
First disbursed
8/31/2021
Loan status
Paid in full (8/31/2022)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
4
Business age
Existing or more than 2 years old
Industry
Other Commercial and Service Industry Machinery Manufacturin
Funded by Meridian Bank · Lender record →
Your business? Claim this record · Request removal
Siripi WST, LLC in Irving, TX — $2.4M (2021) · UniBank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$2.1M (90%)
Approval → funding
4 days
Approved
7/9/2021
First disbursed
7/13/2021
Loan status
Paid in full (2/28/2026)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
1
Business age
New Business or 2 years or less
Industry
Vending Machine Operators
Funded by UniBank
Your business? Claim this record · Request removal
Rose Trail Ventures LLC in Memphis, TN — $2.3M (2021) · Celtic Bank Corporation
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
82 months
SBA guaranteed
$1.7M (75%)
Approval → funding
6 days
Approved
12/10/2020
First disbursed
12/16/2020
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
2
Business age
Startup, Loan Funds will Open Business
Industry
Other Grocery and Related Products Merchant Wholesalers
Funded by Celtic Bank Corporation · Lender record →
Your business? Claim this record · Request removal
Prasiti Water Investments LLC in Mckinney, TX — $1.6M (2021) · UniBank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.5M (90%)
Approval → funding
0 days
Approved
3/11/2021
First disbursed
3/11/2021
Loan status
Paid in full (9/30/2023)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
1
Business age
Existing or more than 2 years old
Industry
Vending Machine Operators
Funded by UniBank
Your business? Claim this record · Request removal
TRE FONTANE, LLC in Glen Ellyn, IL — $1.6M (2021) · Celtic Bank Corporation
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
77 months
SBA guaranteed
$1.5M (90%)
Approval → funding
4 days
Approved
5/27/2021
First disbursed
5/31/2021
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
1
Business age
Startup, Loan Funds will Open Business
Industry
Vending Machine Operators
Funded by Celtic Bank Corporation · Lender record →
Your business? Claim this record · Request removal
NTMK Corporation in Spokane Valley, WA — $1.3M (2021) · Banner Bank
Program
Preferred Lenders Program
Rate at approval
3.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$984K (75%)
Approval → funding
38 days
Approved
10/23/2020
First disbursed
11/30/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Business age
New Business or 2 years or less
Industry
Vending Machine Operators
Funded by Banner Bank · Lender record →
Your business? Claim this record · Request removal
Water Filtration Stations LLC in Urbandale, IA — $950K (2021) · IncredibleBank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$855K (90%)
Approval → funding
39 days
Approved
8/5/2021
First disbursed
9/13/2021
Loan status
Current
Loan type
Term loan
Collateral
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 IncredibleBank · Lender record →
Your business? Claim this record · Request removal
Rumson Wellness LLC in Rumson, NJ — $923K (2021) · Community Bank & Trust-West Georgia
Program
Preferred Lenders Program
Rate at approval
6% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$692K (75%)
Approval → funding
79 days
Approved
12/11/2020
First disbursed
2/28/2021
Loan status
Paid in full (7/31/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
1
Business age
Startup, Loan Funds will Open Business
Industry
Water Supply and Irrigation Systems
Funded by Community Bank & Trust-West Georgia
Your business? Claim this record · Request removal

Buying a WaterStation? Start with a lender that has funded the brand

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

Agent summary

How to finance a WaterStation 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. Celtic Bank Corporation funds the most. CapBench is not a lender.

$420K typical WaterStation loan
0.89% failure rate (FY20–23)
9 lenders fund the brand
11 days typical to fund

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