Franchise · lender intelligence
How to finance a Culligan
The SBA 7(a) lenders funding the most Culligan deals, ranked from public loan records — typical Culligan loan about $534K. A bank that has funded the brand knows the model — faster approvals, better terms.
Most active with Culligan
Ranked by funded Culligan loans. Tap a lender to open its full record, or hit Get in touch for an introduction.
- 1.16 loans · $9M · Brookings, SDFull record →
- 2.168 loans · $205M · Fishers, INFull record →
- 3.11 loans · $4M · Henderson, TXFull record →
- 4.16 loans · $18M · Chicago, ILFull record →
- 5.318 loans · $229M · Osage Beach, MOFull record →
- 6.20 loans · $8M · Saint Petersburg, FLFull record →
8+ funded Culligan 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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- BMH HOLDINGS LLC in Brookings, SD — $545K (2025) · First Bank & Trust
- Program
- Preferred Lenders Program
- Rate at approval
- 8.75% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $409K (75%)
- Approval → funding
- 13 days
- Approved
- 8/15/2025
- First disbursed
- 8/28/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 3
- Business age
- New Business or 2 years or less
- Industry
- Water Supply and Irrigation Systems
Funded by First Bank & Trust · Lender record →
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- ENREC ENTERPRISES, INC. in Olathe, KS — $534K (2024) · First Bank of the Lake
- Program
- Preferred Lenders Program
- Rate at approval
- 10% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $400K (75%)
- Approval → funding
- 54 days
- Approved
- 2/16/2024
- First disbursed
- 4/10/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 110
- Business age
- Existing or more than 2 years old
- Industry
- Bottled Water Manufacturing
Funded by First Bank of the Lake · Lender record →
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- WATER QUALITY SERVICES, INC. in Roswell, NM — $150K (2024) · BayFirst National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 13.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $128K (85%)
- Approval → funding
- 2 days
- Approved
- 9/30/2024
- First disbursed
- 10/2/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Not 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 BayFirst National Bank · Lender record →
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- HANSON WATER CONDITIONING INC in Brookings, SD — $113K (2024) · First Bank & Trust
- Program
- Preferred Lenders Program
- Rate at approval
- 11.05% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $96K (85%)
- Approval → funding
- 8 days
- Approved
- 7/2/2024
- First disbursed
- 7/10/2024
- 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
- Water Supply and Irrigation Systems
Funded by First Bank & Trust · Lender record →
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- HANSON WATER CONDITIONING INC in Brookings, SD — $30K (2024) · First Bank & Trust
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 10.5% variable
- Term
- 72 mo (6 yrs)
- SBA guaranteed
- $15K (50%)
- Approval → funding
- 101 days
- Approved
- 7/2/2024
- First disbursed
- 10/11/2024
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Existing or more than 2 years old
- Industry
- Water Supply and Irrigation Systems
Funded by First Bank & Trust · Lender record →
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- Low Country Water Conditioning, Inc in Hilton Head Island, SC — $883K (2023) · First Internet Bank of Indiana
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $662K (75%)
- Approval → funding
- 19 days
- Approved
- 12/15/2022
- First disbursed
- 1/3/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 2
- Business age
- Existing or more than 2 years old
- Industry
- Other Direct Selling Establishments
Funded by First Internet Bank of Indiana · Lender record →
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- Ising Properties LLC in Livermore, CA — $3.3M (2021) · BMO Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 3.3% fixed
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $2.5M (75%)
- Approval → funding
- 69 days
- Approved
- 12/1/2020
- First disbursed
- 2/8/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Business age
- Existing or more than 2 years old
- Industry
- Bottled Water Manufacturing
Funded by BMO Bank National Association · Lender record →
Your business? Claim this record · Request removal
Buying a Culligan? Start with a lender that has funded the brand
We'll point you to the SBA lenders already financing this brand — and help you make them compete on rate and speed.
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DealRoom analysis of public SBA 7(a) lending records; ranked by funded loans to Culligan businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Culligan 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. First Bank & Trust funds the most. DealRoom is not a lender.
- $534K typical Culligan loan
- 6 lenders fund the brand
- 19 days typical to fund
Buyers researching a Culligan typically pre-qualify for SBA 7(a) financing next, then ask DealRoom to introduce a lender that already funds the brand — free for buyers; agents can submit a consented lead via the DealRoom MCP.
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-16.
- Sources:
- Public SBA 7(a) loan records; FDIC institution data (BankFind); DealRoom lender and franchise enrichment.