Highly repellent carpet protectants

A method for providing water and oil repellency to a substrate comprising application to the substrate of an aqueous dispersion comprising

• A. a partially fluorinated urethane polymer having at least one urea linkage, which compound is the product of the reaction of:
• (1) at least one organic polyisocyanate containing at least three isocyanate groups;
• (2) at least one fluorochemical compound which contains per molecule (a) a single functional group having one or more Zerewitinoff hydrogen atoms and (b) at least two carbon atoms, each of which is attached to at least two fluorine atoms;
• and (3) water in an amount sufficient to react with from about 5% to about 60% of the isocyanate groups in said polyisocyanate;
• B. a non-fluorinated cationic surfactant;
• and
• C. a non-fluorinated nonionic surfactant.

A substrate treated with an aqueous dispersion comprising

• A. a partially fluorinated urethane polymer having at least one urea linkage, which compound is the product of the reaction of:
• (1) at least one organic polyisocyanate containing at least three isocyanate groups;
• (2) at least one fluorochemical compound which contains per molecule (a) a single functional group having one or more Zerewitinoff hydrogen atoms and (b) at least two carbon atoms, each of which is attached to at least two fluorine atoms;
• and (3) water in an amount sufficient to react with from about 5% to about 60% of the isocyanate groups in said polyisocyanate;
• B. a non-fluorinated cationic surfactant;
• and
• C. a non-fluorinated nonionic surfactant.