Lender intelligence

Financing a car washes acquisition in Texas

State:

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

$2.68M

Typical loan

range $1.04M–$3.86M

$2.98M

Est. purchase price

≈ loan ÷ 90%

$410,545

Cash to close

$297,556 down + fees

$34,653/mo

Typical payment

~9.5% · 10yr

$478,211/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

18 days

Typical time to fund

Lenders competing

more = leverage

7.05%

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 · Texas

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

1.60 loans · $130M · Doraville, GAFull record →
2.24 loans · $22M · College Station, TXFull record →
3.53 loans · $101M · Dallas, TXFull record →
4.868 loans · $362M · Salt Lake City, UTFull record →
5.22 loans · $20M · Little Rock, ARFull record →
6.1,025 loans · $292M · Berkeley Heights, NJFull record →
7.1,296 loans · $1.4B · Wilmington, NCFull record →
8.62 loans · $21M · Saint Cloud, MNFull record →

37+ funded Car Washes in Texas 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.

Grand Slam Carwash and Lube LLC in League City, TX — $2.7M (2026) · purchase · T Bank, National Association
Program
Preferred Lenders Program
Rate at approval
8.25% variable
Term
300 mo (25 yrs)
SBA guaranteed
$2.0M (75%)
Approval → funding
15 days
Approved
2/11/2026
First disbursed
2/26/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
50
Business age
Change of Ownership
Industry
Car Washes
If you were the buyer here
Est. deal size
$3.0M
Est. down payment (10%)
$302K
Est. cash at closing
$416K
Monthly payment
$21,399
Annual debt service
$257K
Cash flow needed (1.25×)
$321K
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 T Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Freddie's Carwash, LLC in Austin, TX — $1.6M (2026) · purchase · Celtic Bank Corporation
Program
Preferred Lenders Program
Rate at approval
8.75% variable
Term
306 months
SBA guaranteed
$1.2M (75%)
Approved
1/29/2026
Loan status
Committed
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
$1.8M
Est. down payment (10%)
$178K
Est. cash at closing
$244K
Monthly payment
$13,081
Annual debt service
$157K
Cash flow needed (1.25×)
$196K
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
Keene Stoner Operating LLC in Keene, TX — $1.0M (2026) · purchase · Encore Bank
Program
Preferred Lenders Program
Rate at approval
8.75% variable
Term
240 mo (20 yrs)
SBA guaranteed
$769K (75%)
Approval → funding
18 days
Approved
1/26/2026
First disbursed
2/13/2026
Loan status
Current
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%)
$114K
Est. cash at closing
$156K
Monthly payment
$9,065
Annual debt service
$109K
Cash flow needed (1.25×)
$136K
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 Encore Bank · Lender record →
Your business? Claim this record · Request removal
PARK CARWASH LLC in Desoto, TX — $5.0M (2025) · purchase · Metro City Bank
Program
Preferred Lenders Program
Rate at approval
8.25% variable
Term
300 mo (25 yrs)
SBA guaranteed
$3.8M (75%)
Approval → funding
19 days
Approved
1/8/2025
First disbursed
1/27/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
27
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 Metro City Bank · Lender record →
Your business? Claim this record · Request removal
NATIONWIDE SHINE LLC in Red Oak, TX — $5.0M (2025) · purchase · American Momentum Bank
Program
Preferred Lenders Program
Rate at approval
8.5% variable
Term
300 mo (25 yrs)
SBA guaranteed
$3.7M (75%)
Approved
12/23/2024
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
21
Business age
Change of Ownership
Industry
Car Washes
If you were the buyer here
Est. deal size
$5.5M
Est. down payment (10%)
$555K
Est. cash at closing
$768K
Monthly payment
$40,221
Annual debt service
$483K
Cash flow needed (1.25×)
$603K
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 Momentum Bank · Lender record →
Your business? Claim this record · Request removal
NATIONWIDE SHINE LLC in Red Oak, TX — $5.0M (2025) · purchase · American Momentum Bank
Program
Preferred Lenders Program
Rate at approval
8.25% variable
Term
300 mo (25 yrs)
SBA guaranteed
$3.7M (75%)
Approval → funding
12 days
Approved
1/17/2025
First disbursed
1/29/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
21
Business age
Change of Ownership
Industry
Car Washes
If you were the buyer here
Est. deal size
$5.5M
Est. down payment (10%)
$555K
Est. cash at closing
$768K
Monthly payment
$39,383
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 American Momentum Bank · Lender record →
Your business? Claim this record · Request removal
Portola Management LLC in Arlington, TX — $2.7M (2025) · purchase · Metro City Bank
Program
Preferred Lenders Program
Rate at approval
8.25% variable
Term
300 mo (25 yrs)
SBA guaranteed
$2.0M (75%)
Approval → funding
16 days
Approved
1/29/2025
First disbursed
2/14/2025
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
$3.0M
Est. down payment (10%)
$298K
Est. cash at closing
$411K
Monthly payment
$21,115
Annual debt service
$253K
Cash flow needed (1.25×)
$317K
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
GLO CAR WASH, LLC in Hurst, TX — $2.5M (2025) · purchase · Readycap Lending, LLC
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.8M (75%)
Approval → funding
31 days
Approved
2/11/2025
First disbursed
3/14/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
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
$2.7M
Est. down payment (10%)
$272K
Est. cash at closing
$375K
Monthly payment
$20,981
Annual debt service
$252K
Cash flow needed (1.25×)
$315K
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 Readycap Lending, LLC · Lender record →
Your business? Claim this record · Request removal
Siems Wash Giddings, LLC in Giddings, TX — $750K (2025) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
303 months
SBA guaranteed
$563K (75%)
Approval → funding
14 days
Approved
2/6/2025
First disbursed
2/20/2025
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
$833K
Est. down payment (10%)
$83K
Est. cash at closing
$114K
Monthly payment
$6,537
Annual debt service
$78K
Cash flow needed (1.25×)
$98K
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
DAVENPORT & MITCHELL HOLDINGS LLC in Arlington, TX — $150K (2025) · purchase · Stearns Bank National Association
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
300 mo (25 yrs)
SBA guaranteed
$128K (85%)
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
Business age
Change of Ownership
Industry
Car Washes
If you were the buyer here
Est. deal size
$167K
Est. down payment (10%)
$17K
Est. cash at closing
$21K
Monthly payment
$1,390
Annual debt service
$17K
Cash flow needed (1.25×)
$21K
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 Stearns Bank National Association · Lender record →
Your business? Claim this record · Request removal
SCJ 102 LLC in Dallas, TX — $5.0M (2024) · purchase · Hanmi Bank
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
300 mo (25 yrs)
SBA guaranteed
$3.8M (75%)
Approval → funding
40 days
Approved
5/17/2024
First disbursed
6/26/2024
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
$42,819
Annual debt service
$514K
Cash flow needed (1.25×)
$642K
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 Hanmi Bank · Lender record →
Your business? Claim this record · Request removal
TSELEV HOTEL GROUP LLC in Fort Worth, TX — $5.0M (2024) · purchase · Metro City Bank
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
300 mo (25 yrs)
SBA guaranteed
$3.8M (75%)
Approval → funding
21 days
Approved
9/26/2024
First disbursed
10/17/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
18
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
$42,819
Annual debt service
$514K
Cash flow needed (1.25×)
$642K
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
Bright Brigade Carwash in Dallas, TX — $4.6M (2024) · purchase · Metro City Bank
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
300 mo (25 yrs)
SBA guaranteed
$3.4M (75%)
Approval → funding
19 days
Approved
9/11/2024
First disbursed
9/30/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
33
Business age
Change of Ownership
Industry
Car Washes
If you were the buyer here
Est. deal size
$5.1M
Est. down payment (10%)
$507K
Est. cash at closing
$701K
Monthly payment
$38,267
Annual debt service
$459K
Cash flow needed (1.25×)
$574K
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
PINE ROCK CAR WASH COMPANY LLC in Beaumont, TX — $3.2M (2024) · purchase · T Bank, National Association
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
299 months
SBA guaranteed
$2.4M (75%)
Approval → funding
18 days
Approved
2/23/2024
First disbursed
3/12/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
59
Business age
Change of Ownership
Industry
Car Washes
If you were the buyer here
Est. deal size
$3.6M
Est. down payment (10%)
$357K
Est. cash at closing
$493K
Monthly payment
$29,780
Annual debt service
$357K
Cash flow needed (1.25×)
$447K
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 T Bank, National Association · Lender record →
Your business? Claim this record · Request removal
The Woodlands Auto Spa LLC in The Woodlands, TX — $2.8M (2024) · purchase · Readycap Lending, LLC
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
300 mo (25 yrs)
SBA guaranteed
$2.1M (75%)
Approval → funding
8 days
Approved
1/3/2024
First disbursed
1/11/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
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
$3.1M
Est. down payment (10%)
$306K
Est. cash at closing
$422K
Monthly payment
$24,989
Annual debt service
$300K
Cash flow needed (1.25×)
$375K
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 Readycap Lending, LLC · Lender record →
Your business? Claim this record · Request removal
Rockwash Car Wash LLC in Rockwall, TX — $600K (2024) · purchase · Open Bank
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
300 mo (25 yrs)
SBA guaranteed
$450K (75%)
Approval → funding
10 days
Approved
10/15/2023
First disbursed
10/25/2023
Loan status
Current
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
$667K
Est. down payment (10%)
$67K
Est. cash at closing
$89K
Monthly payment
$5,347
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 Open Bank · Lender record →
Your business? Claim this record · Request removal
Legacy Carwash Lewisville LLC in Lewisville, TX — $3.9M (2023) · purchase · Hanmi Bank
Program
Preferred Lenders Program
Rate at approval
7.25% variable
Term
300 mo (25 yrs)
SBA guaranteed
$2.9M (75%)
Approval → funding
4 days
Approved
10/8/2022
First disbursed
10/12/2022
Loan status
Paid in full (2/28/2025)
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
$4.3M
Est. down payment (10%)
$429K
Est. cash at closing
$593K
Monthly payment
$27,900
Annual debt service
$335K
Cash flow needed (1.25×)
$419K
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 Hanmi Bank · Lender record →
Your business? Claim this record · Request removal
Tran Nguyen, LLC in Plano, TX — $3.6M (2023) · purchase · Hanmi Bank
Program
Preferred Lenders Program
Rate at approval
7.25% variable
Term
300 mo (25 yrs)
SBA guaranteed
$2.7M (75%)
Approval → funding
3 days
Approved
10/4/2022
First disbursed
10/7/2022
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
$4.0M
Est. down payment (10%)
$398K
Est. cash at closing
$550K
Monthly payment
$25,876
Annual debt service
$311K
Cash flow needed (1.25×)
$388K
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 Hanmi Bank · Lender record →
Your business? Claim this record · Request removal
CMB Inc. in Houston, TX — $2.7M (2023) · purchase · Newtek Small Business Finance, Inc.
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
300 mo (25 yrs)
SBA guaranteed
$2.0M (75%)
Approval → funding
31 days
Approved
12/5/2022
First disbursed
1/5/2023
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
48
Business age
Change of Ownership
Industry
Car Washes
If you were the buyer here
Est. deal size
$3.0M
Est. down payment (10%)
$300K
Est. cash at closing
$414K
Monthly payment
$24,535
Annual debt service
$294K
Cash flow needed (1.25×)
$368K
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 Newtek Small Business Finance, Inc.
Your business? Claim this record · Request removal
RETA VENTURES LLC in Cleburne, TX — $1.6M (2022) · purchase · First Commonwealth Bank
Program
Preferred Lenders Program
Rate at approval
4% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.2M (75%)
Approved
10/7/2021
Loan status
Cancelled
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
$1.8M
Est. down payment (10%)
$179K
Est. cash at closing
$246K
Monthly payment
$8,491
Annual debt service
$102K
Cash flow needed (1.25×)
$127K
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 Commonwealth Bank · Lender record →
Your business? Claim this record · Request removal

Financing a car washes deal in Texas? 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 Texas project address.

Agent summary

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

$1.6M typical loan
17 lenders active in Texas
37+ funded Texas deals
18 days typical to fund

Buyers buying a car washes in Texas 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 2026-06-18.
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/texas
API:: https://www.capbench.com/api/public/lenders?industry=car-washes
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.