Tommy's Express, by the numbers
Every figure below comes from real financed deals — what buyers paid, where, and how the loans performed.
SBA Franchise Directory: listed ✓ (identifier S2297)
14 deals since 2020 · typical deal $4.7M
14
Deals since 2020
$4.7M
Typical deal
2
Deals since FY2025
—
Too few deals to score risk
What buyers pay for Tommy's Express
Most Tommy's Express deals financed between $400K and $5.00M. Above $5.00M, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $60,991
- Down payment (10%)
- $518K
- Cash to close (all-in)
- $717K
Estimates at today's rates and standard 7(a) terms. Not a loan offer.
Could you get the loan?
Three answers. No documents, no credit pull.
Credit score
Available cash (you'll need ~$717K)
Experience
Recent financings
- B4 Smith Holdings LLC in Orlando, FL — $5.0M (2025) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8.5% variable
- Term
- 312 mo (26 yrs)
- SBA guaranteed
- $3.8M (75%)
- Approval → funding
- 95 days
- Approved
- 9/15/2025
- First disbursed
- 12/19/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 13
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Car Washes
Funded by Live Oak Banking Company · Lender record →
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- Express Car Wash Holdings, LLC in Happy Valley, OR — $300K (2025) · Live Oak Banking Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $150K (50%)
- Approved
- 9/29/2025
- Loan status
- Committed
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Car Washes
Funded by Live Oak Banking Company · Lender record →
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- Gleaming Gem Corp. in Madison, AL — $5.0M (2024) · First Bank of the Lake
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 312 mo (26 yrs)
- SBA guaranteed
- $3.8M (75%)
- Approval → funding
- 10 days
- Approved
- 3/25/2024
- First disbursed
- 4/4/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 35
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Car Washes
Funded by First Bank of the Lake · Lender record →
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- RISE LLC in Minneapolis, MN — $400K (2024) · The Bank of Elk River
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $300K (75%)
- Approval → funding
- 16 days
- Approved
- 4/22/2024
- First disbursed
- 5/8/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 42
- Business age
- New Business or 2 years or less
- Industry
- Car Washes
Funded by The Bank of Elk River · Lender record →
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- RISE LLC in Minneapolis, MN — $100K (2024) · The Bank of Elk River
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $50K (50%)
- Approval → funding
- 441 days
- Approved
- 4/22/2024
- First disbursed
- 7/7/2025
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 42
- Business age
- New Business or 2 years or less
- Industry
- Car Washes
Funded by The Bank of Elk River · Lender record →
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- RISE LLC in Blaine, MN — $885K (2023) · Nicolet National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $664K (75%)
- Approved
- 7/14/2023
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 18
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Car Washes
Funded by Nicolet National Bank · Lender record →
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- TOMMY'S EXPRESS WESTLAND in Westland, MI — $5.0M (2022) · Celtic Bank Corporation
- Program
- Preferred Lenders Program
- Rate at approval
- 5.25% variable
- Term
- 310 months
- SBA guaranteed
- $3.8M (75%)
- Approval → funding
- 5 days
- Approved
- 3/24/2022
- First disbursed
- 3/29/2022
- Loan status
- Paid in full (4/30/2024)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 11
- Business age
- New Business or 2 years or less
- Industry
- Car Washes
Funded by Celtic Bank Corporation · Lender record →
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- Express Car Wash Inc in Roseville, CA — $5.0M (2021) · United Business Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 4.25% variable
- Term
- 312 mo (26 yrs)
- SBA guaranteed
- $3.8M (75%)
- Approval → funding
- 3 days
- Approved
- 9/27/2021
- First disbursed
- 9/30/2021
- Loan status
- Paid in full (2/29/2024)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 8
- Business age
- New Business or 2 years or less
- Industry
- Car Washes
Funded by United Business Bank · Lender record →
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- HIL, LLC in Lansing, MI — $4.7M (2021) · Old National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 4.75% fixed
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $3.7M (80%)
- Approval → funding
- 18 days
- Approved
- 2/10/2021
- First disbursed
- 2/28/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 6
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Car Washes
Funded by Old National Bank · Lender record →
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- Stratton Management Clairemont, LLC in Eau Claire, WI — $4.3M (2021) · Celtic Bank Corporation
- Program
- Preferred Lenders Program
- Rate at approval
- 5.5% variable
- Term
- 309 months
- SBA guaranteed
- $3.7M (87%)
- Approval → funding
- 1 days
- Approved
- 3/4/2021
- First disbursed
- 3/5/2021
- Loan status
- Paid in full (1/31/2024)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 12
- Business age
- New Business or 2 years or less
- Industry
- Car Washes
Funded by Celtic Bank Corporation · Lender record →
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Who funds Tommy's Express — and where
Every dot is a financed Tommy's Express — 14 mapped.
Financed Tommy's Express locations — list all 14 as text
- HIL, LLC — Lansing · $4.7M · FY2021 · Car Washes
- Stratton Management Clairemont, LLC — Eau Claire · $4.3M · FY2021 · Car Washes
- C. Docter Enterprises, LLC — Humble · $271K · FY2021 · Car Washes
- B4 Smith Holdings LLC — Orlando · $5.0M · FY2025 · Car Washes
- Express Car Wash Holdings, LLC — Happy Valley · $300K · FY2025 · Car Washes
- 4638 Monroe, LLC — Toledo · $5.0M · FY2020 · Car Washes
- Middletown CW OpCo, LLC — Middletown · $4.0M · FY2020 · Car Washes
- Brutus Capitol Management LLC — Rochester · $5.0M · FY2020 · Car Washes
- Gleaming Gem Corp. — Madison · $5.0M · FY2024 · Car Washes
- RISE LLC — Minneapolis · $100K · FY2024 · Car Washes
- RISE LLC — Minneapolis · $400K · FY2024 · Car Washes
- RISE LLC — Blaine · $885K · FY2023 · Car Washes
- TOMMY'S EXPRESS WESTLAND — Westland · $5.0M · FY2022 · Car Washes
- Express Car Wash Inc — Roseville · $5.0M · FY2021 · Car Washes
Top lenders for this brand
Most active states
- 1.Michigan (3 loans)
- 2.Minnesota (3 loans)
- 3.Wisconsin (1 loans)
- 4.Texas (1 loans)
- 5.Florida (1 loans)
- 6.Oregon (1 loans)
- 7.Ohio (1 loans)
- 8.Delaware (1 loans)
Represent Tommy's Express?
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Common questions
How much does a Tommy's Express cost to buy or open?
The typical deal for Tommy's Express is $4.7M across 14 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $513K of buyer cash on a typical deal.
How risky is Tommy's Express?
Tommy's Express has 14 SBA loans on record since 2020 — too few to score a reliable failure rate. Judge the unit economics and the franchisor's disclosure document, not a small sample.
Can I finance a Tommy's Express with an SBA loan?
Yes — Tommy's Express has been SBA-financed 2 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.
Buying a Tommy's Express franchise
Most Tommy's Express buyers finance the purchase or build-out with an SBA 7(a) loan — up to 90% of the cost with roughly 10% down. The typical Tommy's Express deal financed for $4.7M, which points to about $513K of buyer cash on a typical purchase. Tommy's Express is listed in the SBA Franchise Directory (identifier S2297), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Tommy's Express — a bank that knows the brand approves faster — or pre-qualify for financing to see your likely loan size first.
AI summary
This profile summarizes public SBA financing activity for Tommy's Express — lender activity, typical loan sizes, financing history, and risk and failure signals where available — via CapBench SBA Intelligence. CapBench is not a lender.
Source: CapBench SBA Intelligence, based on public SBA, lender, franchise, FDIC, and related records. CapBench is not a lender and does not guarantee financing.
Agent summary
This page summarizes public SBA 7(a) financing for Tommy's Express — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Tommy's Express is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 14 SBA 7(a) deals since 2020
- $4.7M typical deal
- 2 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S2297)
- Top lenders: Celtic Bank Corporation, Old National Bank, Live Oak Banking Company
- 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.
- 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.
- Financing figures are historical SBA loan records, not a current offer or franchise availability. Confirm SBA Franchise Directory listing with your lender before an LOI.
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CapBench analysis of public lending records, FY2020–present. Charge-off rate measured on the FY2020–23 cohort. Not affiliated with Tommy's Express.