Business Services · lender intelligence

How to finance a WSI in Texas

State:

The SBA 7(a) lenders funding the most WSI deals in Texas, from public loan records — typical WSI loan about $150K. A bank already funding the brand in your state knows it twice over.

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

$180K

Typical loan

range $150K–$560K

$200K

Est. purchase price

≈ loan ÷ 90%

$26,750

Cash to close

$20,000 down + fees

$2,635/mo

Typical payment

~12.5% · 10yr

$36,363/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

14 days

Typical time to fund

Lenders competing

more = leverage

7.42%

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 WSI in Texas

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

1.1 loans · $0M · St. Louis, MOFull record →
2.575 loans · $220M · De Graff, OHFull record →
3.2,539 loans · $965M · Columbus, OHFull record →

3+ funded WSI 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.

You Are Found LLC in Keller, TX — $150K (2024) · United Midwest Savings Bank National Association
Program
Preferred Lenders Program
Rate at approval
11.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$128K (85%)
Approval → funding
20 days
Approved
3/22/2024
First disbursed
4/11/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
3
Business age
Startup, Loan Funds will Open Business
Industry
Marketing Consulting Services
Funded by United Midwest Savings Bank National Association · Lender record →
Your business? Claim this record · Request removal
Sirach Consulting LLC in Round Rock, TX — $180K (2022) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
5.5% variable
Term
84 mo (7 yrs)
SBA guaranteed
$90K (50%)
Approval → funding
5 days
Approved
12/17/2021
First disbursed
12/22/2021
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
Marketing Consulting Services
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
WSI Connect in Cibolo, TX — $560K (2021) · purchase · First Bank
Program
Preferred Lenders Program
Rate at approval
5.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$504K (90%)
Approval → funding
14 days
Approved
5/14/2021
First disbursed
5/28/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
3
Business age
Change of Ownership
Industry
All Other Professional, Scientific, and Technical Services
If you were the buyer here
Est. deal size
$622K
Est. down payment (10%)
$62K
Est. cash at closing
$83K
Monthly payment
$6,077
Annual debt service
$73K
Cash flow needed (1.25×)
$91K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by First Bank · Lender record →
Your business? Claim this record · Request removal

Buying a WSI 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.

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

Agent summary

How to finance a WSI 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. First Bank funds the most here. CapBench is not a lender.

$150K typical WSI loan
3 lenders active in Texas
3+ funded Texas deals
14 days typical to fund

Buyers buying a WSI 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 WSI lenders

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/wsi/texas
API:: https://www.capbench.com/api/public/lenders?franchise=wsi
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.