Draw when the weather turns, repay when the bays fill back up. A flexible line for chemicals, repairs and payroll, with a 5-minute application.
Check My LineCar Wash Line of Credit
Car wash traffic swings with rain, snow and season. A revolving line lets you cover costs on slow days without reapplying every time something comes up.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
A 5-minute application and about three months of bank statements. No tax returns required.
FICO 500+ considered. We weigh your deposit history alongside your score, and sole proprietors can apply.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
The repayment schedule is laid out in your offer up front, so you can plan around it.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
Car wash revenue follows the weather. A sunny Saturday after a week of rain can fill every bay, while a cold, wet stretch can leave the tunnel quiet for days. Your costs do not follow the same pattern. Chemicals, water, electricity, attendant wages and loan payments on the site keep coming whether cars show up or not.
A business line of credit gives you a set amount you can draw from when you need it, then repay and use again. Instead of applying for new money every time a pump fails or a slow month hits, you have access ready to go.
If your gap is seasonal, our slow season funding guide covers that in more detail.
We focus on how money moves through your business bank account. About three months of statements show us your deposit pattern, including the busy weekends and the quiet weekdays. No tax returns are required, the application takes about five minutes, and we start with a soft credit pull. FICO 500+ is considered, and sole proprietors can apply.
The size of the line depends mainly on your deposits and the obligations you already carry. Lines and other products range from $25,000 to $5,000,000 for established businesses with steady deposits.
A line makes sense for recurring, unpredictable needs. If you have one large, defined purchase, such as a new tunnel controller or a full dryer replacement, equipment financing for car washes may fit better. If you want repayment tied to sales, compare it with a merchant cash advance for car washes. Our line of credit vs. MCA comparison walks through the tradeoffs.
When you are ready, start your application.
Yes. Express tunnels, in-bay automatics, self-serve bays and full-service washes can all apply. What matters most is steady deposits in your business bank account.
Your offer spells out the full cost structure before you accept, including how draws and repayments work, so you can see it all up front.
We look at about three months of statements as a whole. A single weak stretch is part of the picture, not the whole story.
Decisions move fast, and funding can arrive in as little as 24 hours for qualified businesses.
We start with a soft credit pull, so checking your options does not affect your score.
Example uses for illustration only.
A few steps can put your car wash in a stronger position before you apply.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding