Automotive · lender intelligence

How to finance a Prime Car Wash

State:

Florida (1)Iowa (2)Kentucky (2)Pennsylvania (1)Tennessee (1)

The SBA 7(a) lenders funding the most Prime Car Wash deals, ranked from public loan records — typical Prime Car Wash loan about $250K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Prime Car Wash

$250K

Typical loan

range $200K–$350K

$278K

Est. purchase price

≈ loan ÷ 90%

$37,153

Cash to close

$27,778 down + fees

$3,659/mo

Typical payment

~12.5% · 10yr

$50,494/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

30 days

Typical time to fund

Lenders competing

more = leverage

7.7%

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 Prime Car Wash

Ranked by funded Prime Car Wash loans. Tap a lender to open its full record, or hit Get in touch for an introduction.

1.16 loans · $6M · New Castle, INFull record →
2.328 loans · $134M · Cleveland, OHFull record →
3.62 loans · $34M · Winter Haven, FLFull record →
4.284 loans · $254M · Cincinnati, OHFull record →

7+ funded Prime Car Wash 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.

PCW Cinci 1 LLC in Florence, KY — $350K (2025) · KeyBank National Association
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$175K (50%)
Approval → funding
59 days
Approved
5/30/2025
First disbursed
7/28/2025
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
45
Business age
Startup, Loan Funds will Open Business
Industry
Car Washes
Funded by KeyBank National Association · Lender record →
Your business? Claim this record · Request removal
1914 VENTURES LLC in Waukee, IA — $300K (2025) · Citizens State Bank of New Castle
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
8.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$150K (50%)
Approval → funding
8 days
Approved
9/2/2025
First disbursed
9/10/2025
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
80
Business age
Existing or more than 2 years old
Industry
Car Washes
Funded by Citizens State Bank of New Castle · Lender record →
Your business? Claim this record · Request removal
1914 Ventures LLC in Waukee, IA — $250K (2025) · Citizens State Bank of New Castle
Program
7a General
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$188K (75%)
Approval → funding
12 days
Approved
2/28/2025
First disbursed
3/12/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
41
Business age
Startup, Loan Funds will Open Business
Industry
Car Washes
Funded by Citizens State Bank of New Castle · Lender record →
Your business? Claim this record · Request removal
PCW Cinci 1 LLC in Florence, KY — $200K (2025) · KeyBank National Association
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$150K (75%)
Approval → funding
58 days
Approved
5/31/2025
First disbursed
7/28/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
45
Business age
Startup, Loan Funds will Open Business
Industry
Car Washes
Funded by KeyBank National Association · Lender record →
Your business? Claim this record · Request removal
PrimePhilly1 LLC in Hatfield, PA — $200K (2022) · Fifth Third Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
4.13% variable
Term
120 mo (10 yrs)
SBA guaranteed
$100K (50%)
Approved
4/17/2022
Loan status
Cancelled
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
19
Business age
Startup, Loan Funds will Open Business
Industry
Car Washes
Funded by Fifth Third Bank · Lender record →
Your business? Claim this record · Request removal
PCW Nashville Real Estate I LLC in Hendersonville, TN — $5.0M (2021) · Citizens State Bank of New Castle
Program
7a General
Rate at approval
5.25% variable
Term
308 months
SBA guaranteed
$3.8M (75%)
Approval → funding
23 days
Approved
9/7/2021
First disbursed
9/30/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Partnership
Jobs supported
75
Business age
Startup, Loan Funds will Open Business
Industry
Car Washes
Funded by Citizens State Bank of New Castle · Lender record →
Your business? Claim this record · Request removal
FLBB, LLC in Jacksonville Beach, FL — $250K (2020) · SouthState Bank, National Association
Program
Preferred Lenders Program
Rate at approval
7.5% variable
Term
132 mo (11 yrs)
SBA guaranteed
$188K (75%)
Approval → funding
30 days
Approved
10/1/2019
First disbursed
10/31/2019
Loan status
Paid in full (10/31/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
26
Business age
Unanswered
Industry
Car Washes
Funded by SouthState Bank, National Association · Lender record →
Your business? Claim this record · Request removal

Buying a Prime Car Wash? 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.

Free · No documents · Usually same-day

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 loans to Prime Car Wash businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Prime Car Wash 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. Citizens State Bank of New Castle funds the most. CapBench is not a lender.

$250K typical Prime Car Wash loan
4 lenders fund the brand
30 days typical to fund

Buyers researching a Prime Car Wash typically pre-qualify for SBA 7(a) financing next, then ask CapBench to introduce a lender that already funds the brand — free for buyers; agents can submit a consented lead via the CapBench MCP.

Next steps

Pre-qualify this deal Talk to a loan broker Prime Car Wash record

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-22.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/franchise/prime-car-wash
API:: https://www.capbench.com/api/public/lenders?franchise=prime-car-wash
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.