Lender intelligence
Financing a car washes acquisition in Kentucky
The SBA 7(a) lenders funding the most car washes acquisitions in Kentucky, 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 Kentucky
$495K
Typical loan
range $474K–$640K
$550K
Est. purchase price
≈ loan ÷ 90%
$73,563
Cash to close
$55,000 down + fees
$6,405/mo
Typical payment
~9.5% · 10yr
$88,389/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
29 days
Typical time to fund
4
Lenders competing
more = leverage
7.55%
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 · Kentucky
Ranked by funded car washes acquisitions in Kentucky. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.24 loans · $13M · Pikeville, KYFull record →
- 2.868 loans · $362M · Salt Lake City, UTFull record →
- 3.31 loans · $13M · Louisville, KYFull record →
- 4.104 loans · $100M · Portsmouth, VAFull record →
5+ funded Car Washes in Kentucky 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.
- Soft Suds Quick Detail No 2 LLC in Somerset, KY — $640K (2025) · purchase · Community Trust Bank, Inc.
- Program
- 7a General
- Rate at approval
- 8% fixed
- Term
- 240 mo (20 yrs)
- SBA guaranteed
- $480K (75%)
- Approval → funding
- 11 days
- Approved
- 11/21/2024
- First disbursed
- 12/2/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 7
- Business age
- Change of Ownership
- Industry
- Car Washes
If you were the buyer here
- Est. deal size
- $711K
- Est. down payment (10%)
- $71K
- Est. cash at closing
- $95K
- Monthly payment
- $5,353
- 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 Community Trust Bank, Inc. · Lender record →
Your business? Claim this record · Request removal
- SCG Bowling Green KY Car Wash, LLC in Bowling Green, KY — $1.9M (2024) · purchase · Celtic Bank Corporation
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $1.4M (75%)
- Approval → funding
- 4 days
- Approved
- 4/11/2024
- First disbursed
- 4/15/2024
- Loan status
- Current
- 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
- $2.1M
- Est. down payment (10%)
- $214K
- Est. cash at closing
- $295K
- Monthly payment
- $18,540
- Annual debt service
- $222K
- Cash flow needed (1.25×)
- $278K
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
- Blue Oasis Investments, Inc. in Frankfort, KY — $495K (2024) · purchase · Community Trust Bank, Inc.
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 8.5% fixed
- Term
- 240 mo (20 yrs)
- SBA guaranteed
- $248K (50%)
- Approval → funding
- 44 days
- Approved
- 12/9/2023
- First disbursed
- 1/22/2024
- Loan status
- Current
- 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
- $550K
- Est. down payment (10%)
- $55K
- Est. cash at closing
- $74K
- Monthly payment
- $4,296
- Annual debt service
- $52K
- Cash flow needed (1.25×)
- $64K
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 Community Trust Bank, Inc. · Lender record →
Your business? Claim this record · Request removal
- G & G Realty and Construction LLC in Shepherdsville, KY — $279K (2022) · purchase · Stock Yards Bank & Trust Company
- Program
- Preferred Lenders Program
- Rate at approval
- 4.5% fixed
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $209K (75%)
- Approval → funding
- 29 days
- Approved
- 12/2/2021
- First disbursed
- 12/31/2021
- Loan status
- Paid in full (2/28/2026)
- 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
- $310K
- Est. down payment (10%)
- $31K
- Est. cash at closing
- $41K
- Monthly payment
- $3,875
- Annual debt service
- $47K
- Cash flow needed (1.25×)
- $58K
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 Stock Yards Bank & Trust Company · Lender record →
Your business? Claim this record · Request removal
- Ellie Frank, Inc. in Louisville, KY — $474K (2021) · purchase · TowneBank
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $427K (90%)
- Approval → funding
- 57 days
- Approved
- 6/9/2021
- First disbursed
- 8/5/2021
- 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
- $527K
- Est. down payment (10%)
- $53K
- Est. cash at closing
- $70K
- Monthly payment
- $3,054
- Annual debt service
- $37K
- Cash flow needed (1.25×)
- $46K
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 TowneBank · Lender record →
Your business? Claim this record · Request removal
Financing a car washes deal in Kentucky? Start with the right lender
We'll point you to the SBA lenders already funding your industry in your state — 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.
CapBench analysis of public SBA 7(a) lending records; ranked by funded acquisition loans to car washes businesses with a Kentucky project address.
Agent summary
How to finance a car washes acquisition in Kentucky with an SBA 7(a) loan: the lenders that fund the most of them here (from public records), with the real funded Kentucky deals. Community Trust Bank, Inc. funds the most here. CapBench is not a lender.
- $1.6M typical loan
- 4 lenders active in Kentucky
- 5+ funded Kentucky deals
- 29 days typical to fund
Buyers buying a car washes in Kentucky 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 2026-06-24.
- 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.