Lender intelligence
Financing a car washes acquisition in Missouri
The SBA 7(a) lenders funding the most car washes acquisitions in Missouri, 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 Missouri
$477K
Typical loan
range $236K–$713K
$530K
Est. purchase price
≈ loan ÷ 90%
$70,888
Cash to close
$53,000 down + fees
$6,172/mo
Typical payment
~9.5% · 10yr
$85,174/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
24 days
Typical time to fund
9
Lenders competing
more = leverage
7.63%
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 · Missouri
Ranked by funded car washes acquisitions in Missouri. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.30 loans · $24M · Kansas City, MOFull record →
- 2.60 loans · $40M · Clayton, MOFull record →
- 3.65 loans · $78M · Springfield, MOFull record →
- 4.22 loans · $3M · Fayetteville, ARFull record →
- 5.1 loans · $0M · Springfield, MOFull record →
- 6.7 loans · $1M · Mattoon, ILFull record →
- 7.6 loans · $6M · Wellsville, MOFull record →
10+ funded Car Washes in Missouri 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.
- Dazzle Car Wash LLC in Kansas City, MO — $344K (2025) · purchase · OakStar Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 309 months
- SBA guaranteed
- $258K (75%)
- Approval → funding
- 48 days
- Approved
- 3/13/2025
- First disbursed
- 4/30/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Business age
- Change of Ownership
- Industry
- Car Washes
If you were the buyer here
- Est. deal size
- $382K
- Est. down payment (10%)
- $38K
- Est. cash at closing
- $51K
- Monthly payment
- $2,984
- Annual debt service
- $36K
- Cash flow needed (1.25×)
- $45K
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 OakStar Bank · Lender record →
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- Allbright Power Washing Systems LLC in Saint Louis, MO — $326K (2025) · purchase · Midwest Regional Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 192 mo (16 yrs)
- SBA guaranteed
- $245K (75%)
- Approval → funding
- 47 days
- Approved
- 2/14/2025
- First disbursed
- 4/2/2025
- Loan status
- Current
- 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
- $362K
- Est. down payment (10%)
- $36K
- Est. cash at closing
- $48K
- Monthly payment
- $3,461
- Annual debt service
- $42K
- Cash flow needed (1.25×)
- $52K
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 Midwest Regional Bank · Lender record →
Your business? Claim this record · Request removal
- Volner Investments LLC in Seneca, MO — $113K (2025) · purchase · Arvest Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9% variable
- Term
- 240 mo (20 yrs)
- SBA guaranteed
- $96K (85%)
- Approval → funding
- 7 days
- Approved
- 8/22/2025
- First disbursed
- 8/29/2025
- 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
- $126K
- Est. down payment (10%)
- $13K
- Est. cash at closing
- $16K
- Monthly payment
- $1,017
- Annual debt service
- $12K
- Cash flow needed (1.25×)
- $15K
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 Arvest Bank · Lender record →
Your business? Claim this record · Request removal
- 1337 S Noland Rd LLC in Independence, MO — $497K (2024) · purchase · UMB Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 8.25% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $373K (75%)
- Approval → funding
- 1 days
- Approved
- 12/19/2023
- First disbursed
- 12/20/2023
- 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
- $552K
- Est. down payment (10%)
- $55K
- Est. cash at closing
- $74K
- Monthly payment
- $3,919
- Annual debt service
- $47K
- Cash flow needed (1.25×)
- $59K
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 UMB Bank, National Association · Lender record →
Your business? Claim this record · Request removal
- Quick Shine Car Wash LLC in Independence, MO — $50K (2024) · purchase · UMB Bank, National Association
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9.5% variable
- Term
- 60 mo (5 yrs)
- SBA guaranteed
- $25K (50%)
- Approval → funding
- 1 days
- Approved
- 12/19/2023
- First disbursed
- 12/20/2023
- Loan status
- Current
- Loan type
- Revolving line
- 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
- $56K
- Est. down payment (10%)
- $6K
- Est. cash at closing
- $7K
- Monthly payment
- $1,050
- Annual debt service
- $13K
- Cash flow needed (1.25×)
- $16K
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 UMB Bank, National Association · Lender record →
Your business? Claim this record · Request removal
- Apex Car Wash Solutions, LLC in Crane, MO — $236K (2023) · purchase · Mid-Missouri Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 5.75% fixed
- Term
- 180 mo (15 yrs)
- SBA guaranteed
- $118K (50%)
- Approval → funding
- 11 days
- Approved
- 3/16/2023
- First disbursed
- 3/27/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 1
- Business age
- Change of Ownership
- Industry
- Car Washes
If you were the buyer here
- Est. deal size
- $262K
- Est. down payment (10%)
- $26K
- Est. cash at closing
- $35K
- Monthly payment
- $1,960
- Annual debt service
- $24K
- Cash flow needed (1.25×)
- $29K
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 Mid-Missouri Bank · Lender record →
Your business? Claim this record · Request removal
- Murphy P&C Management, LLC in Florissant, MO — $713K (2022) · purchase · First Mid Bank & Trust, National Association
- Program
- 7a General
- Rate at approval
- 7.5% variable
- Term
- 242 months
- SBA guaranteed
- $535K (75%)
- Approval → funding
- 35 days
- Approved
- 9/16/2022
- First disbursed
- 10/21/2022
- Loan status
- In workout — SBA bought the guarantee
- 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
- $792K
- Est. down payment (10%)
- $79K
- Est. cash at closing
- $109K
- Monthly payment
- $5,722
- Annual debt service
- $69K
- Cash flow needed (1.25×)
- $86K
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 First Mid Bank & Trust, National Association · Lender record →
Your business? Claim this record · Request removal
- Proservice Group LLC in St. Peters, MO — $2.8M (2021) · purchase · American Bank of Freedom
- Program
- Preferred Lenders Program
- Rate at approval
- 5.5% variable
- Term
- 269 months
- SBA guaranteed
- $2.5M (90%)
- Approval → funding
- 24 days
- Approved
- 6/8/2021
- First disbursed
- 7/2/2021
- Loan status
- In workout — SBA bought the guarantee
- 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
- $3.1M
- Est. down payment (10%)
- $309K
- Est. cash at closing
- $426K
- Monthly payment
- $18,003
- Annual debt service
- $216K
- Cash flow needed (1.25×)
- $270K
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 Bank of Freedom · Lender record →
Your business? Claim this record · Request removal
- DDT Ventures Limited Liability Company in Moberly, MO — $757K (2021) · purchase · Alliant Bank
- Program
- 7a General
- Rate at approval
- 5.25% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $681K (90%)
- Approval → funding
- 9 days
- Approved
- 6/21/2021
- First disbursed
- 6/30/2021
- Loan status
- Paid in full (4/30/2025)
- 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
- $841K
- Est. down payment (10%)
- $84K
- Est. cash at closing
- $115K
- Monthly payment
- $4,535
- Annual debt service
- $54K
- Cash flow needed (1.25×)
- $68K
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 Alliant Bank
Your business? Claim this record · Request removal
- Matt's Car Wash, LLC in Independence, MO — $477K (2021) · purchase · Pony Express Bank
- Program
- 7a General
- Rate at approval
- 5.75% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $429K (90%)
- Approval → funding
- 174 days
- Approved
- 9/21/2021
- First disbursed
- 3/14/2022
- Loan status
- Paid in full (12/31/2023)
- 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
- $530K
- Est. down payment (10%)
- $53K
- Est. cash at closing
- $71K
- Monthly payment
- $3,001
- Annual debt service
- $36K
- Cash flow needed (1.25×)
- $45K
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 Pony Express Bank
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 with a Missouri project address.
Agent summary
How to finance a car washes acquisition in Missouri with an SBA 7(a) loan: the lenders that fund the most of them here (from public records), with the real funded Missouri deals. UMB Bank, National Association funds the most here. CapBench is not a lender.
- $1.6M typical loan
- 9 lenders active in Missouri
- 10+ funded Missouri deals
- 24 days typical to fund
Buyers buying a car washes in Missouri 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 2026-06-22.
- 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.