Lender intelligence

Financing a car washes acquisition in New Jersey

State:

Alabama (2)Arizona (12)California (40)Colorado (15)Connecticut (2)Delaware (1)Florida (18)Georgia (22)Idaho (1)Illinois (10)Indiana (10)Kansas (3)

The SBA 7(a) lenders funding the most car washes acquisitions in New Jersey, 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 New Jersey

$1.35M

Typical loan

range $820K–$1.73M

$1.50M

Est. purchase price

≈ loan ÷ 90%

$205,719

Cash to close

$150,000 down + fees

$17,469/mo

Typical payment

~9.5% · 10yr

$241,072/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

11 days

Typical time to fund

Lenders competing

more = leverage

5.9%

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 · New Jersey

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

1.5 loans · $9M · Clinton, NJFull record →

10+ funded Car Washes in New Jersey 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.

AK Holdings Group LLC in Pompton Lakes, NJ — $1.3M (2025) · purchase · Unity Bank
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$975K (75%)
Approval → funding
36 days
Approved
7/8/2025
First disbursed
8/13/2025
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
$1.4M
Est. down payment (10%)
$144K
Est. cash at closing
$198K
Monthly payment
$17,000
Annual debt service
$204K
Cash flow needed (1.25×)
$255K
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 Unity Bank · Lender record →
Your business? Claim this record · Request removal
Piscataway Auto Spa, LLC in Piscataway, NJ — $2.2M (2022) · purchase · Peapack Private Bank and Trust
Program
Preferred Lenders Program
Rate at approval
5.5% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.7M (75%)
Approval → funding
9 days
Approved
3/28/2022
First disbursed
4/6/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
7
Business age
Change of Ownership
Industry
Car Washes
If you were the buyer here
Est. deal size
$2.5M
Est. down payment (10%)
$246K
Est. cash at closing
$338K
Monthly payment
$13,571
Annual debt service
$163K
Cash flow needed (1.25×)
$204K
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 Peapack Private Bank and Trust · Lender record →
Your business? Claim this record · Request removal
HK Wash 1 LLC in Orange, NJ — $1.1M (2022) · purchase · Peapack Private Bank and Trust
Program
Preferred Lenders Program
Rate at approval
7.25% variable
Term
300 mo (25 yrs)
SBA guaranteed
$825K (75%)
Approval → funding
6 days
Approved
9/29/2022
First disbursed
10/5/2022
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
$1.2M
Est. down payment (10%)
$122K
Est. cash at closing
$168K
Monthly payment
$7,951
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 Peapack Private Bank and Trust · Lender record →
Your business? Claim this record · Request removal
LEADING ONE ENTERPRISE LLC in Bridgeton, NJ — $820K (2022) · purchase · Provident Bank
Program
Preferred Lenders Program
Rate at approval
5.5% variable
Term
300 mo (25 yrs)
SBA guaranteed
$615K (75%)
Approval → funding
14 days
Approved
4/15/2022
First disbursed
4/29/2022
Loan status
Paid in full (7/31/2025)
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
$911K
Est. down payment (10%)
$91K
Est. cash at closing
$125K
Monthly payment
$5,036
Annual debt service
$60K
Cash flow needed (1.25×)
$76K
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 Provident Bank · Lender record →
Your business? Claim this record · Request removal
Bethlehem Pike Realty LLC in Morris Plains, NJ — $2.2M (2021) · purchase · TD Bank, National Association
Program
Preferred Lenders Program
Rate at approval
3.99% fixed
Term
240 mo (20 yrs)
SBA guaranteed
$2.0M (90%)
Approval → funding
10 days
Approved
7/5/2021
First disbursed
7/15/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
Change of Ownership
Industry
Car Washes
If you were the buyer here
Est. deal size
$2.4M
Est. down payment (10%)
$244K
Est. cash at closing
$337K
Monthly payment
$13,320
Annual debt service
$160K
Cash flow needed (1.25×)
$200K
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 →
Your business? Claim this record · Request removal
Portannese Enterprises, Inc. in Paterson, NJ — $1.4M (2021) · purchase · Peapack Private Bank and Trust
Program
Preferred Lenders Program
Rate at approval
5.75% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.1M (75%)
Approval → funding
11 days
Approved
12/21/2020
First disbursed
1/1/2021
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
$1.6M
Est. down payment (10%)
$161K
Est. cash at closing
$221K
Monthly payment
$9,122
Annual debt service
$109K
Cash flow needed (1.25×)
$137K
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 Peapack Private Bank and Trust · Lender record →
Your business? Claim this record · Request removal
SMG ENTERPRISES LLC in Newark, NJ — $665K (2021) · purchase · Unity Bank
Program
Preferred Lenders Program
Rate at approval
5.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$499K (75%)
Approved
12/28/2020
Loan status
Cancelled
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
$739K
Est. down payment (10%)
$74K
Est. cash at closing
$99K
Monthly payment
$7,300
Annual debt service
$88K
Cash flow needed (1.25×)
$109K
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 Unity Bank · Lender record →
Your business? Claim this record · Request removal
Maururu Inc in Voorhees, NJ — $1.7M (2020) · purchase · Beacon Bank and Trust
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.3M (75%)
Approval → funding
27 days
Approved
8/28/2020
First disbursed
9/24/2020
Loan status
Paid in full (4/30/2023)
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
$1.9M
Est. down payment (10%)
$192K
Est. cash at closing
$264K
Monthly payment
$10,367
Annual debt service
$124K
Cash flow needed (1.25×)
$156K
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 Beacon Bank and Trust · Lender record →
Your business? Claim this record · Request removal
New Rutherford Car Wash Corporation in Rutherford, NJ — $1.4M (2020) · purchase · New Millennium Bank
Program
Preferred Lenders Program
Rate at approval
4.5% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.0M (75%)
Approval → funding
4 days
Approved
8/27/2020
First disbursed
8/31/2020
Loan status
Paid in full (9/30/2022)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
5
Business age
Change of Ownership
Industry
Car Washes
If you were the buyer here
Est. deal size
$1.5M
Est. down payment (10%)
$150K
Est. cash at closing
$206K
Monthly payment
$7,504
Annual debt service
$90K
Cash flow needed (1.25×)
$113K
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 New Millennium Bank · Lender record →
Your business? Claim this record · Request removal
Diamond Shine Car Wash LLC in Little Egg Harbor Twp, NJ — $792K (2020) · purchase · Evolve Bank and Trust
Program
Preferred Lenders Program
Rate at approval
5.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$594K (75%)
Approval → funding
35 days
Approved
8/26/2020
First disbursed
9/30/2020
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
$879K
Est. down payment (10%)
$88K
Est. cash at closing
$121K
Monthly payment
$8,688
Annual debt service
$104K
Cash flow needed (1.25×)
$130K
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 Evolve Bank and Trust · 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 with a New Jersey project address.

Agent summary

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

$1.6M typical loan
7 lenders active in New Jersey
10+ funded New Jersey deals
11 days typical to fund

Buyers buying a car washes in New Jersey 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/new-jersey
API:: https://www.capbench.com/api/public/lenders?industry=car-washes&state=NJ
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.