Automotive · lender intelligence

Financing a car washes acquisition

State:

The SBA 7(a) lenders funding the most car washes acquisitions, ranked from public loan records — typical deal about $1.6M. A lender doing your industry every week underwrites faster and prices sharper.

Deal economics— what it takes to buy & finance car washes

$1.23M

Typical loan

range $585K–$2.67M

$1.37M

Est. purchase price

≈ loan ÷ 90%

$187,252

Cash to close

$136,556 down + fees

$15,903/mo

Typical payment

~9.5% · 10yr

$219,461/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

99.5%

Still performing

0.5% default · FY20–23

18 days

Typical time to fund

123

Lenders competing

more = leverage

6.84%

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 in car washes

Ranked by funded car washes acquisitions. 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 →
2.60 loans · $130M · Doraville, GAFull record →
3.2,539 loans · $965M · Columbus, OHFull record →
4.83 loans · $143M · Los Angeles, CAFull record →
5.139 loans · $102M · Los Angeles, CAFull record →
6.20 loans · $31M · Boca Raton, FLFull record →
7.112 loans · $112M · Irving, TXFull record →
8.242 loans · $281M · Chicago, ILFull record →
9.30 loans · $24M · Kansas City, MOFull record →
10.11 loans · $10M · Bedminster, NJFull record →
11.274 loans · $315M · Los Angeles, CAFull record →
12.116 loans · $120M · Evansville, INFull record →
13.18 loans · $20M · Fort Lee, NJFull record →
14.60 loans · $40M · Clayton, MOFull record →
15.99 loans · $43M · Walla Walla, WAFull record →
16.1,296 loans · $1.4B · Wilmington, NCFull record →
17.103 loans · $64M · Indiana, PAFull record →
18.104 loans · $100M · Portsmouth, VAFull record →
19.58 loans · $53M · New York, NYFull record →
20.155 loans · $58M · Mountain View, ARFull record →
21.42 loans · $48M · Los Angeles, CAFull record →
22.53 loans · $101M · Dallas, TXFull record →
23.23 loans · $21M · Greenwood Village, COFull record →
24.31 loans · $13M · Louisville, KYFull record →
25.62 loans · $21M · Saint Cloud, MNFull record →

293+ funded car washes 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.

Charles Town Auto Wash in Charles Town, WV — $3.5M (2026) · purchase · Commonwealth Business Bank
Program
Preferred Lenders Program
Rate at approval
7.75% variable
Term
300 mo (25 yrs)
SBA guaranteed
$2.6M (75%)
Approved
2/18/2026
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
19
Business age
Change of Ownership
Industry
Car Washes
If you were the buyer here
Est. deal size
$3.9M
Est. down payment (10%)
$389K
Est. cash at closing
$537K
Monthly payment
$26,437
Annual debt service
$317K
Cash flow needed (1.25×)
$397K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Commonwealth Business Bank · Lender record →
Your business? Claim this record · Request removal
Grand Slam Carwash and Lube LLC in League City, TX — $2.7M (2026) · purchase · T Bank, National Association
Program
Preferred Lenders Program
Rate at approval
8.25% variable
Term
300 mo (25 yrs)
SBA guaranteed
$2.0M (75%)
Approval → funding
15 days
Approved
2/11/2026
First disbursed
2/26/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
50
Business age
Change of Ownership
Industry
Car Washes
If you were the buyer here
Est. deal size
$3.0M
Est. down payment (10%)
$302K
Est. cash at closing
$416K
Monthly payment
$21,399
Annual debt service
$257K
Cash flow needed (1.25×)
$321K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by T Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Sparkle Wash 5506, Inc. in Hyattsville, MD — $2.7M (2026) · purchase · Hanmi Bank
Program
Preferred Lenders Program
Rate at approval
7.75% variable
Term
306 months
SBA guaranteed
$2.0M (75%)
Approved
3/31/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
16
Business age
Change of Ownership
Industry
Car Washes
If you were the buyer here
Est. deal size
$3.0M
Est. down payment (10%)
$297K
Est. cash at closing
$409K
Monthly payment
$20,039
Annual debt service
$240K
Cash flow needed (1.25×)
$301K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Hanmi Bank · Lender record →
Your business? Claim this record · Request removal
6625 GROVE AVE LLC in Windsor Mill, MD — $1.8M (2026) · purchase · Stone Bank
Program
Preferred Lenders Program
Rate at approval
8% variable
Term
126 months
SBA guaranteed
$1.4M (75%)
Approved
3/3/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Change of Ownership
Industry
Car Washes
If you were the buyer here
Est. deal size
$2.0M
Est. down payment (10%)
$205K
Est. cash at closing
$282K
Monthly payment
$21,690
Annual debt service
$260K
Cash flow needed (1.25×)
$325K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Stone Bank · Lender record →
Your business? Claim this record · Request removal
Freddie's Carwash, LLC in Austin, TX — $1.6M (2026) · purchase · Celtic Bank Corporation
Program
Preferred Lenders Program
Rate at approval
8.75% variable
Term
306 months
SBA guaranteed
$1.2M (75%)
Approved
1/29/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Change of Ownership
Industry
Car Washes
If you were the buyer here
Est. deal size
$1.8M
Est. down payment (10%)
$178K
Est. cash at closing
$244K
Monthly payment
$13,081
Annual debt service
$157K
Cash flow needed (1.25×)
$196K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Celtic Bank Corporation · Lender record →
Your business? Claim this record · Request removal
Winborne Wheels LLC in Reading, PA — $1.4M (2026) · purchase · Univest Bank and Trust Co
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.1M (75%)
Approval → funding
6 days
Approved
12/16/2025
First disbursed
12/22/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
1
Business age
Change of Ownership
Industry
Car Washes
If you were the buyer here
Est. deal size
$1.6M
Est. down payment (10%)
$160K
Est. cash at closing
$220K
Monthly payment
$12,581
Annual debt service
$151K
Cash flow needed (1.25×)
$189K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Univest Bank and Trust Co · Lender record →
Your business? Claim this record · Request removal
Keene Stoner Operating LLC in Keene, TX — $1.0M (2026) · purchase · Encore Bank
Program
Preferred Lenders Program
Rate at approval
8.75% variable
Term
240 mo (20 yrs)
SBA guaranteed
$769K (75%)
Approval → funding
18 days
Approved
1/26/2026
First disbursed
2/13/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
11
Business age
Change of Ownership
Industry
Car Washes
If you were the buyer here
Est. deal size
$1.1M
Est. down payment (10%)
$114K
Est. cash at closing
$156K
Monthly payment
$9,065
Annual debt service
$109K
Cash flow needed (1.25×)
$136K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Encore Bank · Lender record →
Your business? Claim this record · Request removal
SHINE ON 3, INC. in Florence, OR — $850K (2026) · purchase · Banner Bank
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
300 mo (25 yrs)
SBA guaranteed
$638K (75%)
Approval → funding
26 days
Approved
11/28/2025
First disbursed
12/24/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Business age
Change of Ownership
Industry
Car Washes
If you were the buyer here
Est. deal size
$944K
Est. down payment (10%)
$94K
Est. cash at closing
$130K
Monthly payment
$7,133
Annual debt service
$86K
Cash flow needed (1.25×)
$107K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Banner Bank · Lender record →
Your business? Claim this record · Request removal
JG Washes LLC in Wichita, KS — $635K (2026) · purchase · Stone Bank
Program
Preferred Lenders Program
Rate at approval
8.75% variable
Term
300 mo (25 yrs)
SBA guaranteed
$476K (75%)
Approval → funding
35 days
Approved
11/24/2025
First disbursed
12/29/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
2
Business age
Change of Ownership
Industry
Car Washes
If you were the buyer here
Est. deal size
$706K
Est. down payment (10%)
$71K
Est. cash at closing
$94K
Monthly payment
$5,221
Annual debt service
$63K
Cash flow needed (1.25×)
$78K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Stone Bank · Lender record →
Your business? Claim this record · Request removal
OLDE CAPE COD CARWASH, INC. in Orleans, MA — $558K (2026) · purchase · Eastern Bank
Program
Preferred Lenders Program
Rate at approval
7.75% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$419K (75%)
Approved
3/26/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
3
Business age
Change of Ownership
Industry
Car Washes
If you were the buyer here
Est. deal size
$620K
Est. down payment (10%)
$62K
Est. cash at closing
$83K
Monthly payment
$6,697
Annual debt service
$80K
Cash flow needed (1.25×)
$100K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Eastern Bank · Lender record →
Your business? Claim this record · Request removal
Citrus Capital, LLC in Pomona, CA — $480K (2026) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$240K (50%)
Approved
1/22/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
8
Business age
Change of Ownership
Industry
Car Washes
If you were the buyer here
Est. deal size
$533K
Est. down payment (10%)
$53K
Est. cash at closing
$71K
Monthly payment
$6,277
Annual debt service
$75K
Cash flow needed (1.25×)
$94K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
KM Holdings I, LLC in Junction City, KS — $454K (2026) · purchase · Central National Bank
Program
7a General
Rate at approval
7.25% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$341K (75%)
Approved
12/12/2025
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
Change of Ownership
Industry
Car Washes
If you were the buyer here
Est. deal size
$504K
Est. down payment (10%)
$50K
Est. cash at closing
$67K
Monthly payment
$5,330
Annual debt service
$64K
Cash flow needed (1.25×)
$80K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Central National Bank · Lender record →
Your business? Claim this record · Request removal
Blue Wave Wash LLC in Three Rivers, MI — $312K (2026) · purchase · Christian Financial CU
Program
7a General
Rate at approval
7.5% fixed
Term
180 mo (15 yrs)
SBA guaranteed
$234K (75%)
Approved
3/10/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
3
Business age
Change of Ownership
Industry
Car Washes
If you were the buyer here
Est. deal size
$346K
Est. down payment (10%)
$35K
Est. cash at closing
$46K
Monthly payment
$2,888
Annual debt service
$35K
Cash flow needed (1.25×)
$43K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Christian Financial CU · Lender record →
Your business? Claim this record · Request removal
COMPTON EXPRESS CAR WASH INC. in Compton, CA — $5.0M (2025) · purchase · Celtic Bank Corporation
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
300 mo (25 yrs)
SBA guaranteed
$3.8M (75%)
Approval → funding
13 days
Approved
12/17/2024
First disbursed
12/30/2024
Loan status
Past due
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
17
Business age
Change of Ownership
Industry
Car Washes
If you were the buyer here
Est. deal size
$5.6M
Est. down payment (10%)
$556K
Est. cash at closing
$769K
Monthly payment
$44,557
Annual debt service
$535K
Cash flow needed (1.25×)
$668K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Celtic Bank Corporation · Lender record →
Your business? Claim this record · Request removal
PARK CARWASH LLC in Desoto, TX — $5.0M (2025) · purchase · Metro City Bank
Program
Preferred Lenders Program
Rate at approval
8.25% variable
Term
300 mo (25 yrs)
SBA guaranteed
$3.8M (75%)
Approval → funding
19 days
Approved
1/8/2025
First disbursed
1/27/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
27
Business age
Change of Ownership
Industry
Car Washes
If you were the buyer here
Est. deal size
$5.6M
Est. down payment (10%)
$556K
Est. cash at closing
$769K
Monthly payment
$39,423
Annual debt service
$473K
Cash flow needed (1.25×)
$591K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Metro City Bank · Lender record →
Your business? Claim this record · Request removal
NATIONWIDE SHINE LLC in Red Oak, TX — $5.0M (2025) · purchase · American Momentum Bank
Program
Preferred Lenders Program
Rate at approval
8.5% variable
Term
300 mo (25 yrs)
SBA guaranteed
$3.7M (75%)
Approved
12/23/2024
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
21
Business age
Change of Ownership
Industry
Car Washes
If you were the buyer here
Est. deal size
$5.5M
Est. down payment (10%)
$555K
Est. cash at closing
$768K
Monthly payment
$40,221
Annual debt service
$483K
Cash flow needed (1.25×)
$603K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by American Momentum Bank · Lender record →
Your business? Claim this record · Request removal
NATIONWIDE SHINE LLC in Red Oak, TX — $5.0M (2025) · purchase · American Momentum Bank
Program
Preferred Lenders Program
Rate at approval
8.25% variable
Term
300 mo (25 yrs)
SBA guaranteed
$3.7M (75%)
Approval → funding
12 days
Approved
1/17/2025
First disbursed
1/29/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
21
Business age
Change of Ownership
Industry
Car Washes
If you were the buyer here
Est. deal size
$5.5M
Est. down payment (10%)
$555K
Est. cash at closing
$768K
Monthly payment
$39,383
Annual debt service
$473K
Cash flow needed (1.25×)
$591K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by American Momentum Bank · Lender record →
Your business? Claim this record · Request removal
Nagle Family Car Wash Corporation in Waterville, OH — $3.8M (2025) · purchase · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
7.9% fixed
Term
300 mo (25 yrs)
SBA guaranteed
$2.8M (75%)
Approval → funding
44 days
Approved
12/16/2024
First disbursed
1/29/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
13
Business age
Change of Ownership
Industry
Car Washes
If you were the buyer here
Est. deal size
$4.2M
Est. down payment (10%)
$422K
Est. cash at closing
$583K
Monthly payment
$29,044
Annual debt service
$349K
Cash flow needed (1.25×)
$436K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Sunnyside Car Wash Inc. in Beltsville, MD — $3.2M (2025) · purchase · Hanmi Bank
Program
Preferred Lenders Program
Rate at approval
8.5% variable
Term
300 mo (25 yrs)
SBA guaranteed
$2.4M (75%)
Approval → funding
6 days
Approved
8/28/2025
First disbursed
9/3/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
6
Business age
Change of Ownership
Industry
Car Washes
If you were the buyer here
Est. deal size
$3.6M
Est. down payment (10%)
$358K
Est. cash at closing
$494K
Monthly payment
$25,928
Annual debt service
$311K
Cash flow needed (1.25×)
$389K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Hanmi Bank · Lender record →
Your business? Claim this record · Request removal
G&G Endeavors LLC in Oakwood, GA — $3.1M (2025) · purchase · Metro City Bank
Program
Preferred Lenders Program
Rate at approval
8.25% variable
Term
300 mo (25 yrs)
SBA guaranteed
$2.3M (75%)
Approval → funding
20 days
Approved
3/11/2025
First disbursed
3/31/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
8
Business age
Change of Ownership
Industry
Car Washes
If you were the buyer here
Est. deal size
$3.4M
Est. down payment (10%)
$344K
Est. cash at closing
$476K
Monthly payment
$24,442
Annual debt service
$293K
Cash flow needed (1.25×)
$367K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Metro City Bank · Lender record →
Your business? Claim this record · Request removal

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CapBench analysis of public SBA 7(a) lending records; ranked by funded acquisition loans to car washes businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a car washes acquisition with an SBA 7(a) loan: the lenders that fund the most of them (from public records), typical cost, and what it takes to qualify. Celtic Bank Corporation funds the most. CapBench is not a lender.

$1.6M typical loan
123 lenders fund the industry
0.5% default (FY20–23)
18 days typical to fund

Buyers researching a car washes deal typically pre-qualify, then ask CapBench to introduce a lender that funds the industry — free for buyers; agents submit a consented lead via the CapBench MCP.

Next steps

Pre-qualify this deal Talk to a loan broker

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.
Canonical:: https://www.capbench.com/lenders/industry/car-washes
API:: https://www.capbench.com/api/public/lenders?industry=car-washes
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.