Car wash financing
Funding for car wash owners and buyers.
Buy a wash, add a tunnel, or upgrade equipment. We work with lenders who already understand memberships and chemical costs.
Check my options →Acquisition
SBA 7(a) for buying an existing wash, real estate often included.
Expansion
Tunnel conversions, new sites and construction.
Equipment
Conveyors, dryers, pay stations, water reclaim.
Underwriting
What lenders look at
Have these ready and your file moves faster.
- ✓Car count and membership revenue trends
- ✓Chemical, water and labor costs as a share of revenue
- ✓Real estate: owned or leased, and lease term left
- ✓Your operating experience, or the plan for running it
Common questions
Can I buy a car wash with an SBA loan?+
Yes. SBA 7(a) loans are commonly used to buy existing washes, and they can include the land and building. Buyers typically put 10% or more down, depending on the deal and the lender.
Do lenders care about membership revenue?+
Yes. Recurring membership revenue makes cash flow easier to underwrite, so lenders who know the industry will ask for membership counts and churn.
Can I finance new wash equipment separately?+
Yes. Equipment financing uses the equipment itself as collateral, so it can be faster than a full SBA loan for conveyors, dryers or pay stations.
Ready to see your options?
Get funded →