Lender intelligence

Financing a car washes acquisition in California

State:

Alabama (2)Arizona (12)Colorado (15)Connecticut (2)Delaware (1)Florida (18)Georgia (22)Idaho (1)Illinois (10)Indiana (10)Kansas (3)Kentucky (5)

The SBA 7(a) lenders funding the most car washes acquisitions in California, from public loan records. A lender doing your industry in your state every week underwrites faster and prices sharper.

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

$2.03M

Typical loan

range $1.02M–$4.50M

$2.25M

Est. purchase price

≈ loan ÷ 90%

$309,859

Cash to close

$225,022 down + fees

$26,206/mo

Typical payment

~9.5% · 10yr

$361,643/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

100.0%

Still performing

0% default · FY20–23

20 days

Typical time to fund

Lenders competing

more = leverage

6.75%

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 · California

Ranked by funded car washes acquisitions in California. Tap a lender for its full record, or hit Get in touch for an introduction.

1.1,296 loans · $1.4B · Wilmington, NCFull record →
2.868 loans · $362M · Salt Lake City, UTFull record →

40+ funded Car Washes in California 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.

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
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
Bubble Bath Carwash LLC in Torrance, CA — $2.2M (2025) · purchase · Harvest Small Business Finance, LLC
Program
7a General
Rate at approval
10% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.6M (75%)
Approval → funding
20 days
Approved
3/26/2025
First disbursed
4/15/2025
Loan status
In workout — SBA bought the guarantee
Loan type
Term loan
Collateral
Required
Business type
Individual
Secondary market
Loan sold to investors
Jobs supported
20
Business age
Change of Ownership
Industry
Car Washes
If you were the buyer here
Est. deal size
$2.4M
Est. down payment (10%)
$241K
Est. cash at closing
$332K
Monthly payment
$19,692
Annual debt service
$236K
Cash flow needed (1.25×)
$295K
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 Harvest Small Business Finance, LLC · Lender record →
Your business? Claim this record · Request removal
VTT Enterprises LLC in Anaheim, CA — $500K (2025) · purchase · Byline Bank
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$375K (75%)
Approval → funding
13 days
Approved
5/28/2025
First disbursed
6/10/2025
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
$556K
Est. down payment (10%)
$56K
Est. cash at closing
$74K
Monthly payment
$6,677
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 Byline Bank · Lender record →
Your business? Claim this record · Request removal
Rainflow Car Wash Inc in Los Banos, CA — $5.0M (2024) · purchase · Mission Bank
Program
Preferred Lenders Program
Rate at approval
10.75% variable
Term
300 mo (25 yrs)
SBA guaranteed
$3.8M (75%)
Approval → funding
10 days
Approved
7/9/2024
First disbursed
7/19/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
9
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
$48,105
Annual debt service
$577K
Cash flow needed (1.25×)
$722K
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 Mission Bank · Lender record →
Your business? Claim this record · Request removal
Rainflow Car Wash Inc in Los Banos, CA — $5.0M (2024) · purchase · Byline Bank
Program
Preferred Lenders Program
Rate at approval
11% variable
Term
300 mo (25 yrs)
SBA guaranteed
$3.8M (75%)
Approved
4/12/2024
Loan status
Cancelled
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
$5.6M
Est. down payment (10%)
$556K
Est. cash at closing
$769K
Monthly payment
$49,006
Annual debt service
$588K
Cash flow needed (1.25×)
$735K
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 Byline Bank · Lender record →
Your business? Claim this record · Request removal
Fastly Quick Car Wash Inc. in Los Angeles, CA — $3.9M (2024) · purchase · EverTrust Bank
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
300 mo (25 yrs)
SBA guaranteed
$2.9M (75%)
Approval → funding
4 days
Approved
12/31/2023
First disbursed
1/4/2024
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
$4.3M
Est. down payment (10%)
$428K
Est. cash at closing
$591K
Monthly payment
$34,985
Annual debt service
$420K
Cash flow needed (1.25×)
$525K
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 EverTrust Bank · Lender record →
Your business? Claim this record · Request removal
Bonita Gas and Wash LLC in San Dimas, CA — $1.5M (2024) · purchase · Grasshopper Bank National Association
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.2M (75%)
Approval → funding
22 days
Approved
4/17/2024
First disbursed
5/9/2024
Loan status
Paid in full (9/30/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
12
Business age
Change of Ownership
Industry
Car Washes
If you were the buyer here
Est. deal size
$1.7M
Est. down payment (10%)
$171K
Est. cash at closing
$235K
Monthly payment
$19,966
Annual debt service
$240K
Cash flow needed (1.25×)
$299K
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 Grasshopper Bank National Association · Lender record →
Your business? Claim this record · Request removal
AJ Professional Detailing, LLC in San Jose, CA — $705K (2024) · purchase · Plumas Bank
Program
Preferred Lenders Program
Rate at approval
8.75% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$529K (75%)
Approval → funding
8 days
Approved
12/21/2023
First disbursed
12/29/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
22
Business age
Change of Ownership
Industry
Car Washes
If you were the buyer here
Est. deal size
$783K
Est. down payment (10%)
$78K
Est. cash at closing
$107K
Monthly payment
$8,836
Annual debt service
$106K
Cash flow needed (1.25×)
$133K
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 Plumas Bank · Lender record →
Your business? Claim this record · Request removal
MINUTES CARWASH in Los Angeles, CA — $600K (2024) · purchase · Open Bank
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$450K (75%)
Approval → funding
13 days
Approved
6/1/2024
First disbursed
6/14/2024
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
$667K
Est. down payment (10%)
$67K
Est. cash at closing
$89K
Monthly payment
$7,929
Annual debt service
$95K
Cash flow needed (1.25×)
$119K
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 Open Bank · Lender record →
Your business? Claim this record · Request removal
DHRUV AND VEDANT LLC in Visalia, CA — $5.0M (2023) · purchase · Plumas Bank
Program
Preferred Lenders Program
Rate at approval
8.25% variable
Term
300 mo (25 yrs)
SBA guaranteed
$3.8M (75%)
Approval → funding
5 days
Approved
12/8/2022
First disbursed
12/13/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
12
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 Plumas Bank · Lender record →
Your business? Claim this record · Request removal
Pavilion Car Wash LLC in Sacramento, CA — $4.7M (2023) · purchase · Pinnacle Bank
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
240 mo (20 yrs)
SBA guaranteed
$3.3M (71%)
Approval → funding
21 days
Approved
12/15/2022
First disbursed
1/5/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
16
Business age
Change of Ownership
Industry
Car Washes
If you were the buyer here
Est. deal size
$5.2M
Est. down payment (10%)
$517K
Est. cash at closing
$715K
Monthly payment
$41,837
Annual debt service
$502K
Cash flow needed (1.25×)
$628K
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 Pinnacle Bank · Lender record →
Your business? Claim this record · Request removal
$1 CAR WASH in Hawthorne, CA — $1.5M (2023) · purchase · PCB Bank
Program
Preferred Lenders Program
Rate at approval
8.5% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.1M (75%)
Approved
1/18/2023
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Individual
Jobs supported
3
Business age
Change of Ownership
Industry
Car Washes
If you were the buyer here
Est. deal size
$1.7M
Est. down payment (10%)
$168K
Est. cash at closing
$230K
Monthly payment
$12,159
Annual debt service
$146K
Cash flow needed (1.25×)
$182K
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 PCB Bank · Lender record →
Your business? Claim this record · Request removal
$1 CAR WASH in Hawthorne, CA — $1.5M (2023) · purchase · PCB Bank
Program
Preferred Lenders Program
Rate at approval
8.5% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.1M (75%)
Approved
1/18/2023
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Individual
Jobs supported
3
Business age
Change of Ownership
Industry
Car Washes
If you were the buyer here
Est. deal size
$1.7M
Est. down payment (10%)
$168K
Est. cash at closing
$230K
Monthly payment
$12,159
Annual debt service
$146K
Cash flow needed (1.25×)
$182K
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 PCB Bank · Lender record →
Your business? Claim this record · Request removal
Olayemi Awelewa in San Diego, CA — $58K (2023) · purchase · CDC Small Business Finance Corp.
Program
Community Advantage Initiative
Subprogram
Community Advantage Initiative
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$49K (85%)
Approved
10/7/2022
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Individual
Jobs supported
1
Business age
Change of Ownership
Industry
Car Washes
If you were the buyer here
Est. deal size
$64K
Est. down payment (10%)
$6K
Est. cash at closing
$8K
Monthly payment
$775
Annual debt service
$9K
Cash flow needed (1.25×)
$12K
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 CDC Small Business Finance Corp. · Lender record →
Your business? Claim this record · Request removal
Mehar Car Wash LLC in Santa Rosa, CA — $5.0M (2022) · purchase · Golden Bank National Association
Program
Preferred Lenders Program
Rate at approval
7% variable
Term
300 mo (25 yrs)
SBA guaranteed
$3.8M (75%)
Approval → funding
28 days
Approved
8/3/2022
First disbursed
8/31/2022
Loan status
Current
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
$5.6M
Est. down payment (10%)
$556K
Est. cash at closing
$769K
Monthly payment
$35,339
Annual debt service
$424K
Cash flow needed (1.25×)
$530K
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 Golden Bank National Association · Lender record →
Your business? Claim this record · Request removal
DON UNLIMITED INC in Los Angeles, CA — $5.0M (2022) · purchase · Metro City Bank
Program
Preferred Lenders Program
Rate at approval
4% variable
Term
300 mo (25 yrs)
SBA guaranteed
$3.8M (75%)
Approval → funding
12 days
Approved
1/21/2022
First disbursed
2/2/2022
Loan status
Current
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
$5.6M
Est. down payment (10%)
$556K
Est. cash at closing
$769K
Monthly payment
$26,392
Annual debt service
$317K
Cash flow needed (1.25×)
$396K
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
MAIN STREET CARWASH in Riverside, CA — $4.5M (2022) · purchase · Centerstone SBA Lending, Inc.
Program
Preferred Lenders Program
Rate at approval
4.25% variable
Term
300 mo (25 yrs)
SBA guaranteed
$3.4M (75%)
Approval → funding
21 days
Approved
2/4/2022
First disbursed
2/25/2022
Loan status
Current
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
$5.0M
Est. down payment (10%)
$500K
Est. cash at closing
$692K
Monthly payment
$24,378
Annual debt service
$293K
Cash flow needed (1.25×)
$366K
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 Centerstone SBA Lending, Inc. · Lender record →
Your business? Claim this record · Request removal
J & S Speedie Carwash LLC in Anaheim, CA — $3.3M (2022) · purchase · United Business Bank
Program
7a General
Rate at approval
5% variable
Term
168 mo (14 yrs)
SBA guaranteed
$2.5M (75%)
Approval → funding
9 days
Approved
6/28/2022
First disbursed
7/7/2022
Loan status
Current
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
$3.7M
Est. down payment (10%)
$371K
Est. cash at closing
$513K
Monthly payment
$27,684
Annual debt service
$332K
Cash flow needed (1.25×)
$415K
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 United Business Bank · Lender record →
Your business? Claim this record · Request removal
Jonathan Won Chun Paik and Jee Young Kim in Los Angeles, CA — $2.1M (2022) · purchase · Bank of Hope
Program
Preferred Lenders Program
Rate at approval
4.25% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.6M (75%)
Approval → funding
22 days
Approved
12/9/2021
First disbursed
12/31/2021
Loan status
Paid in full (12/31/2024)
Loan type
Term loan
Collateral
Required
Business type
Individual
Secondary market
Loan sold to investors
Jobs supported
10
Business age
Change of Ownership
Industry
Car Washes
If you were the buyer here
Est. deal size
$2.4M
Est. down payment (10%)
$236K
Est. cash at closing
$325K
Monthly payment
$11,496
Annual debt service
$138K
Cash flow needed (1.25×)
$172K
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 Bank of Hope · Lender record →
Your business? Claim this record · Request removal

Financing a car washes deal in California? Start with the right lender

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CapBench analysis of public SBA 7(a) lending records; ranked by funded acquisition loans to car washes businesses with a California project address.

Agent summary

How to finance a car washes acquisition in California with an SBA 7(a) loan: the lenders that fund the most of them here (from public records), with the real funded California deals. Live Oak Banking Company funds the most here. CapBench is not a lender.

$1.6M typical loan
24 lenders active in California
40+ funded California deals
20 days typical to fund

Buyers buying a car washes in California typically pre-qualify, then ask CapBench to introduce a lender active here — free for buyers; agents submit a consented lead via the CapBench MCP.

Next steps

Pre-qualify this deal Talk to a loan broker All car washes lenders

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-24.
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/california
API:: https://www.capbench.com/api/public/lenders?industry=car-washes&state=CA
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.