Franchise · lender intelligence

How to finance a WaterStation in Florida

State:

The SBA 7(a) lenders funding the most WaterStation deals in Florida, from public loan records — typical WaterStation loan about $420K. A bank already funding the brand in your state knows it twice over.

Deal economics— what it takes to buy & finance WaterStation in Florida

$345K

Typical loan

range $210K–$2.14M

$384K

Est. purchase price

≈ loan ÷ 90%

$51,316

Cash to close

$38,367 down + fees

$4,757/mo

Typical payment

~11% · 10yr

$65,647/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

9 days

Typical time to fund

Lenders competing

more = leverage

6.21%

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 in Florida

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

1.868 loans · $362M · Salt Lake City, UTFull record →

7+ funded WaterStation in Florida 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.

MICHAEL S. RUNNELS, DMD in Santa Rosa Beach, FL — $631K (2021) · UniBank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$473K (75%)
Approval → funding
5 days
Approved
12/11/2020
First disbursed
12/16/2020
Loan status
Paid in full (5/31/2025)
Loan type
Term loan
Collateral
Required
Business type
Individual
Jobs supported
1
Business age
Startup, Loan Funds will Open Business
Industry
Vending Machine Operators
Funded by UniBank
Your business? Claim this record · Request removal
DennisDemirjian in Tampa, FL — $3.3M (2020) · UniBank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$2.5M (75%)
Approval → funding
7 days
Approved
9/23/2020
First disbursed
9/30/2020
Loan status
In liquidation
Loan type
Term loan
Collateral
Required
Business type
Individual
Jobs supported
1
Business age
Startup, Loan Funds will Open Business
Industry
Vending Machine Operators
Funded by UniBank
Your business? Claim this record · Request removal
Chug It in Naples, FL — $2.1M (2020) · UniBank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.6M (75%)
Approval → funding
12 days
Approved
9/18/2020
First disbursed
9/30/2020
Loan status
Paid in full (7/31/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
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
NATURAL WATER LLC in Miami, FL — $345K (2020) · Celtic Bank Corporation
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
71 months
SBA guaranteed
$259K (75%)
Approval → funding
9 days
Approved
9/1/2020
First disbursed
9/10/2020
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
Startup, Loan Funds will Open Business
Industry
Vending Machine Operators
Funded by Celtic Bank Corporation · Lender record →
Your business? Claim this record · Request removal
Aquastation LLC in Miami, FL — $215K (2020) · UniBank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$161K (75%)
Approval → funding
8 days
Approved
9/22/2020
First disbursed
9/30/2020
Loan status
Paid in full (3/31/2023)
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 UniBank
Your business? Claim this record · Request removal
Fresca41 LLC in Miami, FL — $210K (2020) · UniBank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$158K (75%)
Approval → funding
27 days
Approved
8/4/2020
First disbursed
8/31/2020
Loan status
Paid in full (10/31/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
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
AA WST LLC in Ocoee, FL — $148K (2020) · Newtek Small Business Finance, Inc.
Program
Preferred Lenders Program
Rate at approval
7.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$126K (85%)
Approval → funding
46 days
Approved
12/16/2019
First disbursed
1/31/2020
Loan status
Paid in full (2/28/2021)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Business age
Unanswered
Industry
Vending Machine Operators
Funded by Newtek Small Business Finance, Inc.
Your business? Claim this record · Request removal

Buying a WaterStation in Florida? 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 WaterStation loans with a Florida project address. Mega-bank call-center lenders excluded.

Agent summary

How to finance a WaterStation purchase in Florida with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded Florida deals. Celtic Bank Corporation funds the most here. CapBench is not a lender.

$420K typical WaterStation loan
3 lenders active in Florida
7+ funded Florida deals
9 days typical to fund

Buyers buying a WaterStation in Florida 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 WaterStation lenders

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-18.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/franchise/waterstation/florida
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.