Automotive · lender intelligence
How to finance a Tommy's Express
The SBA 7(a) lenders funding the most Tommy's Express deals, ranked from public loan records — typical Tommy's Express loan about $4.7M. A bank that has funded the brand knows the model — faster approvals, better terms.
Deal economics— what it takes to buy & finance Tommy's Express
$4.66M
Typical loan
range $400K–$5.00M
$5.18M
Est. purchase price
≈ loan ÷ 90%
$716,857
Cash to close
$518,222 down + fees
$60,351/mo
Typical payment
~9.5% · 10yr
$832,844/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
23 days
Typical time to fund
9
Lenders competing
more = leverage
6.79%
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 Tommy's Express
Ranked by funded Tommy's Express loans. Tap a lender to open its full record, or hit Get in touch for an introduction.
- 1.868 loans · $362M · Salt Lake City, UTFull record →
- 2.116 loans · $120M · Evansville, INFull record →
- 3.1,296 loans · $1.4B · Wilmington, NCFull record →
- 4.10 loans · $2M · Elk River, MNFull record →
- 5.5 loans · $4M · Houston, TXFull record →
- 6.318 loans · $229M · Osage Beach, MOFull record →
- 7.31 loans · $11M · Green Bay, WIFull record →
- 8.7 loans · $3M · Walnut Creek, CAFull record →
14+ funded Tommy's Express 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.
- 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 →
Your business? Claim this record · Request removal
- 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 →
Your business? Claim this record · Request removal
- 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 →
Your business? Claim this record · Request removal
- 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 →
Your business? Claim this record · Request removal
- 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 →
Your business? Claim this record · Request removal
- 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 →
Your business? Claim this record · Request removal
- 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 →
Your business? Claim this record · Request removal
- 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 →
Your business? Claim this record · Request removal
- 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 →
Your business? Claim this record · Request removal
- C. Docter Enterprises, LLC in Humble, TX — $271K (2021) · Stellar Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5% variable
- Term
- 102 months
- SBA guaranteed
- $244K (90%)
- Approval → funding
- 23 days
- Approved
- 4/7/2021
- First disbursed
- 4/30/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Car Washes
Funded by Stellar Bank · Lender record →
Your business? Claim this record · Request removal
- 4638 Monroe, LLC in Toledo, OH — $5.0M (2020) · Old National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 3.5% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $3.8M (75%)
- Approval → funding
- 192 days
- Approved
- 4/22/2020
- First disbursed
- 10/31/2020
- Loan status
- Paid in full (11/30/2021)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 20
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Car Washes
Funded by Old National Bank · Lender record →
Your business? Claim this record · Request removal
- Brutus Capitol Management LLC in Rochester, MI — $5.0M (2020) · US Eagle FCU
- Program
- 7a General
- Rate at approval
- 5.25% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $3.8M (75%)
- Approval → funding
- 52 days
- Approved
- 6/9/2020
- First disbursed
- 7/31/2020
- Loan status
- Paid in full (12/31/2022)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 26
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Car Washes
Funded by US Eagle FCU
Your business? Claim this record · Request removal
- Middletown CW OpCo, LLC in Middletown, DE — $4.0M (2020) · Celtic Bank Corporation
- Program
- Preferred Lenders Program
- Rate at approval
- 5.25% variable
- Term
- 314 months
- SBA guaranteed
- $3.0M (75%)
- Approval → funding
- 108 days
- Approved
- 4/27/2020
- First disbursed
- 8/13/2020
- Loan status
- Paid in full (10/31/2023)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 12
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Car Washes
Funded by Celtic Bank Corporation · Lender record →
Your business? Claim this record · Request removal
Buying a Tommy's Express? 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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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.
CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to Tommy's Express businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Tommy's Express 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. Celtic Bank Corporation funds the most. CapBench is not a lender.
- $4.7M typical Tommy's Express loan
- 9 lenders fund the brand
- 23 days typical to fund
Buyers researching a Tommy's Express 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.
- 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.