Lender intelligence
Financing a car washes acquisition in Florida
The SBA 7(a) lenders funding the most car washes acquisitions in Florida, 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 Florida
$1.33M
Typical loan
range $579K–$3.81M
$1.47M
Est. purchase price
≈ loan ÷ 90%
$202,031
Cash to close
$147,333 down + fees
$17,158/mo
Typical payment
~9.5% · 10yr
$236,780/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
18 days
Typical time to fund
8
Lenders competing
more = leverage
6.71%
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 · Florida
Ranked by funded car washes acquisitions in Florida. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.62 loans · $34M · Winter Haven, FLFull record →
- 2.20 loans · $31M · Boca Raton, FLFull record →
18+ funded Car Washes in Florida 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.
- Suds in the Sun Store 2 LLC in Lehigh Acres, FL — $1.0M (2025) · purchase · Paradise Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $765K (75%)
- Approval → funding
- 78 days
- Approved
- 6/4/2025
- First disbursed
- 8/21/2025
- 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
- $1.1M
- Est. down payment (10%)
- $113K
- Est. cash at closing
- $155K
- Monthly payment
- $8,560
- Annual debt service
- $103K
- Cash flow needed (1.25×)
- $128K
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 Paradise Bank · Lender record →
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- SEBASTIAN RIVER CAR WASH LLC in Sebastian, FL — $760K (2025) · purchase · SouthState Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $570K (75%)
- Approval → funding
- 21 days
- Approved
- 1/15/2025
- First disbursed
- 2/5/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 4
- Business age
- Change of Ownership
- Industry
- Car Washes
If you were the buyer here
- Est. deal size
- $844K
- Est. down payment (10%)
- $84K
- Est. cash at closing
- $116K
- Monthly payment
- $6,640
- 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 SouthState Bank, National Association · Lender record →
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- JM MERAKI LLC in Lauderhill, FL — $4.5M (2024) · purchase · Paradise Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $3.4M (75%)
- Approval → funding
- 9 days
- Approved
- 5/14/2024
- First disbursed
- 5/23/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 3
- Business age
- Change of Ownership
- Industry
- Car Washes
If you were the buyer here
- Est. deal size
- $5.0M
- Est. down payment (10%)
- $501K
- Est. cash at closing
- $692K
- Monthly payment
- $40,146
- Annual debt service
- $482K
- Cash flow needed (1.25×)
- $602K
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 Paradise Bank · Lender record →
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- Tropical Car Wash of Tampa LLC in Tampa, FL — $1.4M (2024) · purchase · TD Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 7.5% fixed
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $1.0M (75%)
- Approval → funding
- 48 days
- Approved
- 9/26/2024
- First disbursed
- 11/13/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Change of Ownership
- Industry
- Car Washes
If you were the buyer here
- Est. deal size
- $1.5M
- Est. down payment (10%)
- $153K
- Est. cash at closing
- $211K
- Monthly payment
- $10,205
- Annual debt service
- $122K
- Cash flow needed (1.25×)
- $153K
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 TD Bank, National Association · Lender record →
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- Q&C Investments, LLC in Pensacola, FL — $1.0M (2023) · purchase · Southern Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 8.5% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $785K (75%)
- Approval → funding
- 10 days
- Approved
- 12/20/2022
- First disbursed
- 12/30/2022
- Loan status
- Paid in full (9/30/2024)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 4
- Business age
- Change of Ownership
- Industry
- Car Washes
If you were the buyer here
- Est. deal size
- $1.2M
- Est. down payment (10%)
- $116K
- Est. cash at closing
- $159K
- Monthly payment
- $8,429
- Annual debt service
- $101K
- Cash flow needed (1.25×)
- $126K
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 Southern Bank · Lender record →
Your business? Claim this record · Request removal
- Good Car Wash Corporation of Florida in Lehigh Acres, FL — $579K (2023) · purchase · Paradise Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 7.75% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $434K (75%)
- Approval → funding
- 8 days
- Approved
- 10/4/2022
- First disbursed
- 10/12/2022
- Loan status
- Paid in full (8/31/2025)
- 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
- $643K
- Est. down payment (10%)
- $64K
- Est. cash at closing
- $86K
- Monthly payment
- $4,373
- Annual debt service
- $52K
- Cash flow needed (1.25×)
- $66K
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 Paradise Bank · Lender record →
Your business? Claim this record · Request removal
- Lenny's Car Wash in Delray Beach, FL — $5.0M (2022) · purchase · Paradise Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6.25% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $3.8M (75%)
- Approval → funding
- 10 days
- Approved
- 7/29/2022
- First disbursed
- 8/8/2022
- Loan status
- Paid in full (8/31/2024)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- 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
- $5.6M
- Est. down payment (10%)
- $556K
- Est. cash at closing
- $769K
- Monthly payment
- $32,983
- Annual debt service
- $396K
- Cash flow needed (1.25×)
- $495K
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 Paradise Bank · Lender record →
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- Diamond Realty Investments Corp. in Lake Worth, FL — $4.5M (2022) · purchase · Paradise Bank
- Program
- 7a General
- Rate at approval
- 7% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $3.4M (75%)
- Approval → funding
- 30 days
- Approved
- 8/16/2022
- First disbursed
- 9/15/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 22
- Business age
- Change of Ownership
- Industry
- Car Washes
If you were the buyer here
- Est. deal size
- $5.0M
- Est. down payment (10%)
- $496K
- Est. cash at closing
- $687K
- Monthly payment
- $31,575
- Annual debt service
- $379K
- Cash flow needed (1.25×)
- $474K
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 Paradise Bank · Lender record →
Your business? Claim this record · Request removal
- DIAMOND AUTO WASH INC in Belleview, FL — $3.0M (2022) · purchase · Celtic Bank Corporation
- Program
- Preferred Lenders Program
- Rate at approval
- 5.5% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $2.3M (75%)
- Approval → funding
- 84 days
- Approved
- 2/2/2022
- First disbursed
- 4/27/2022
- 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
- $3.3M
- Est. down payment (10%)
- $334K
- Est. cash at closing
- $461K
- Monthly payment
- $18,447
- Annual debt service
- $221K
- Cash flow needed (1.25×)
- $277K
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
- Walden Lake Car Wash and Service Center in Plant City, FL — $1.3M (2022) · purchase · Paradise Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.5% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $995K (75%)
- Approval → funding
- 20 days
- Approved
- 6/8/2022
- First disbursed
- 6/28/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 29
- Business age
- Change of Ownership
- Industry
- Car Washes
If you were the buyer here
- Est. deal size
- $1.5M
- Est. down payment (10%)
- $147K
- Est. cash at closing
- $202K
- Monthly payment
- $8,143
- Annual debt service
- $98K
- Cash flow needed (1.25×)
- $122K
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 Paradise Bank · Lender record →
Your business? Claim this record · Request removal
- Good Car Wash Corporation of Florida in Lehigh Acres, FL — $579K (2022) · purchase · Paradise Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 7% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $434K (75%)
- Approved
- 9/14/2022
- Loan status
- Cancelled
- 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
- $643K
- Est. down payment (10%)
- $64K
- Est. cash at closing
- $86K
- Monthly payment
- $4,092
- Annual debt service
- $49K
- Cash flow needed (1.25×)
- $61K
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 Paradise Bank · Lender record →
Your business? Claim this record · Request removal
- 1950 Golden Lakes Blvd HoldCo, LLC in West Palm Beach, FL — $5.0M (2021) · purchase · Paradise Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 4.75% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $3.8M (75%)
- Approval → funding
- 29 days
- Approved
- 8/2/2021
- First disbursed
- 8/31/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 22
- 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
- $28,506
- Annual debt service
- $342K
- Cash flow needed (1.25×)
- $428K
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 Paradise Bank · Lender record →
Your business? Claim this record · Request removal
- Wash & Shine Car Wash LLC in North Palm Beach, FL — $3.8M (2021) · purchase · Lake Michigan CU
- Program
- Preferred Lenders Program
- Rate at approval
- 5% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $3.4M (90%)
- Approval → funding
- 21 days
- Approved
- 9/9/2021
- First disbursed
- 9/30/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- 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
- $4.2M
- Est. down payment (10%)
- $423K
- Est. cash at closing
- $584K
- Monthly payment
- $22,244
- Annual debt service
- $267K
- Cash flow needed (1.25×)
- $334K
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 Lake Michigan CU · Lender record →
Your business? Claim this record · Request removal
- Diamond Auto Salon LLC in Lake Worth, FL — $2.6M (2021) · purchase · Paradise Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 4.75% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $2.4M (90%)
- Approval → funding
- 11 days
- Approved
- 3/15/2021
- First disbursed
- 3/26/2021
- Loan status
- Paid in full (10/31/2022)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 14
- Business age
- Change of Ownership
- Industry
- Car Washes
If you were the buyer here
- Est. deal size
- $2.9M
- Est. down payment (10%)
- $292K
- Est. cash at closing
- $403K
- Monthly payment
- $14,994
- Annual debt service
- $180K
- Cash flow needed (1.25×)
- $225K
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 Paradise Bank · Lender record →
Your business? Claim this record · Request removal
- Good Car Wash Corporation of Florida in North Fort Myers, FL — $995K (2021) · purchase · Paradise Bank
- Program
- 7a General
- Rate at approval
- 5% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $895K (90%)
- Approval → funding
- 18 days
- Approved
- 5/3/2021
- First disbursed
- 5/21/2021
- Loan status
- Paid in full (8/31/2025)
- 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%)
- $111K
- Est. cash at closing
- $152K
- Monthly payment
- $5,814
- Annual debt service
- $70K
- Cash flow needed (1.25×)
- $87K
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 Paradise Bank · Lender record →
Your business? Claim this record · Request removal
- AOH properties in Brookville, FL — $545K (2021) · purchase · Gulf Coast Bank and Trust Company
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $491K (90%)
- Approval → funding
- 14 days
- Approved
- 3/15/2021
- First disbursed
- 3/29/2021
- Loan status
- Paid in full (4/30/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Partnership
- Secondary market
- Loan sold to investors
- Jobs supported
- 12
- Business age
- Change of Ownership
- Industry
- Car Washes
If you were the buyer here
- Est. deal size
- $606K
- Est. down payment (10%)
- $61K
- Est. cash at closing
- $81K
- Monthly payment
- $3,511
- Annual debt service
- $42K
- Cash flow needed (1.25×)
- $53K
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 Gulf Coast Bank and Trust Company · Lender record →
Your business? Claim this record · Request removal
- Diamond Auto Salon LLC in Lake Worth, FL — $315K (2021) · purchase · Paradise Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 4.75% variable
- Term
- 304 months
- SBA guaranteed
- $284K (90%)
- Approval → funding
- 8 days
- Approved
- 5/3/2021
- First disbursed
- 5/11/2021
- Loan status
- Paid in full (10/31/2022)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 14
- Business age
- Change of Ownership
- Industry
- Car Washes
If you were the buyer here
- Est. deal size
- $350K
- Est. down payment (10%)
- $35K
- Est. cash at closing
- $47K
- Monthly payment
- $1,784
- Annual debt service
- $21K
- Cash flow needed (1.25×)
- $27K
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 Paradise Bank · Lender record →
Your business? Claim this record · Request removal
- Family Car Wash Properties, LLC in Spring Hill, FL — $525K (2020) · purchase · Central Bank
- Program
- 7a General
- Rate at approval
- 7.25% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $394K (75%)
- Approval → funding
- 6 days
- Approved
- 12/26/2019
- First disbursed
- 1/1/2020
- Loan status
- Paid in full (9/30/2024)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 32
- Business age
- Change of Ownership
- Industry
- Car Washes
If you were the buyer here
- Est. deal size
- $583K
- Est. down payment (10%)
- $58K
- Est. cash at closing
- $78K
- Monthly payment
- $3,795
- Annual debt service
- $46K
- Cash flow needed (1.25×)
- $57K
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 Bank · Lender record →
Your business? Claim this record · Request removal
Financing a car washes deal in Florida? 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 Florida project address.
Agent summary
How to finance a car washes acquisition in Florida with an SBA 7(a) loan: the lenders that fund the most of them here (from public records), with the real funded Florida deals. SouthState Bank, National Association funds the most here. CapBench is not a lender.
- $1.6M typical loan
- 8 lenders active in Florida
- 18+ funded Florida deals
- 18 days typical to fund
Buyers buying a car washes in Florida typically pre-qualify, then ask CapBench to introduce a lender active here — free for buyers; agents 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.