Franchise · lender intelligence

How to finance a WaterStation in Texas

State:

The SBA 7(a) lenders funding the most WaterStation deals in Texas, 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 Texas

$344K

Typical loan

range $275K–$638K

$382K

Est. purchase price

≈ loan ÷ 90%

$51,122

Cash to close

$38,222 down + fees

$4,739/mo

Typical payment

~11% · 10yr

$65,398/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

19 days

Typical time to fund

Lenders competing

more = leverage

6.44%

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 Texas

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

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

17+ funded WaterStation 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.

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
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
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
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
GrayFin Ventures LLC in Lewisville, TX — $595K (2021) · UniBank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$536K (90%)
Approval → funding
5 days
Approved
8/25/2021
First disbursed
8/30/2021
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
Paul G.Talosig in Humble, TX — $338K (2021) · UniBank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$304K (90%)
Approval → funding
1 days
Approved
12/29/2020
First disbursed
12/30/2020
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
Gary Young MD in Southlake, TX — $723K (2020) · UniBank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$542K (75%)
Approval → funding
7 days
Approved
9/23/2020
First disbursed
9/30/2020
Loan status
Paid in full (8/31/2024)
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
Nira Enterprises LLC in Plano, TX — $638K (2020) · Wells Fargo Bank National Association
Program
Preferred Lenders Program
Rate at approval
6.75% fixed
Term
56 months
SBA guaranteed
$478K (75%)
Approval → funding
33 days
Approved
10/28/2019
First disbursed
11/30/2019
Loan status
Failed — $352K charged off (4/3/2025)
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Jobs supported
1
Business age
Startup, Loan Funds will Open Business
Industry
Vending Machine Operators
Funded by Wells Fargo Bank National Association · Lender record →
Your business? Claim this record · Request removal
REZ Investments LLC in Austin, TX — $420K (2020) · UniBank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$315K (75%)
Approval → funding
9 days
Approved
9/21/2020
First disbursed
9/30/2020
Loan status
Paid in full (3/31/2025)
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
Kandace Farmer in Southlake, TX — $344K (2020) · UniBank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$258K (75%)
Approval → funding
7 days
Approved
9/23/2020
First disbursed
9/30/2020
Loan status
Paid in full (11/30/2024)
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
H2oneO LLC in San Antonio, TX — $306K (2020) · UniBank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$230K (75%)
Approval → funding
26 days
Approved
9/4/2020
First disbursed
9/30/2020
Loan status
Paid in full (2/28/2023)
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
DUB INDUSTRIES LLC in Pflugerville, TX — $284K (2020) · Newtek Small Business Finance, Inc.
Program
Preferred Lenders Program
Rate at approval
7.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$213K (75%)
Approval → funding
30 days
Approved
10/1/2019
First disbursed
10/31/2019
Loan status
Paid in full (9/30/2021)
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
Half Full Vending LLC in Houston, TX — $275K (2020) · UniBank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$206K (75%)
Approval → funding
20 days
Approved
9/10/2020
First disbursed
9/30/2020
Loan status
Paid in full (1/31/2026)
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
SLM Lakeside, LLC in Bedford, TX — $210K (2020) · UniBank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$158K (75%)
Approval → funding
13 days
Approved
8/18/2020
First disbursed
8/31/2020
Loan status
Paid in full (1/31/2026)
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
S&A Water Resources LLC in Plano, TX — $210K (2020) · UniBank
Program
Preferred Lenders Program
Rate at approval
7.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$158K (75%)
Approval → funding
29 days
Approved
12/2/2019
First disbursed
12/31/2019
Loan status
Paid in full (10/31/2024)
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
Vending Machine Operators
Funded by UniBank
Your business? Claim this record · Request removal
CUM LAUDE ENTERPRISES LLC in Houston, TX — $145K (2020) · Newtek Small Business Finance, Inc.
Program
Preferred Lenders Program
Rate at approval
7.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$123K (85%)
Approval → funding
47 days
Approved
10/14/2019
First disbursed
11/30/2019
Loan status
Paid in full (1/31/2026)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Business age
Startup, Loan Funds will Open Business
Industry
Vending Machine Operators
Funded by Newtek Small Business Finance, Inc.
Your business? Claim this record · Request removal
MBK IT SERVICES, INC. in Dallas, TX — $144K (2020) · Newtek Small Business Finance, Inc.
Program
Preferred Lenders Program
Rate at approval
7.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$122K (85%)
Approval → funding
78 days
Approved
10/14/2019
First disbursed
12/31/2019
Loan status
Paid in full (10/31/2021)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Business age
Existing or more than 2 years old
Industry
Vending Machine Operators
Funded by Newtek Small Business Finance, Inc.
Your business? Claim this record · Request removal

Buying a WaterStation 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 WaterStation loans with a Texas project address. Mega-bank call-center lenders excluded.

Agent summary

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

$420K typical WaterStation loan
4 lenders active in Texas
17+ funded Texas deals
19 days typical to fund

Buyers buying a WaterStation 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 WaterStation lenders

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-20.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/franchise/waterstation/texas
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.