Storm damage, frozen lines or a failed controller? Apply in 5 minutes. Qualified washes can be funded in as little as 24 hours.
Get Help NowCar Wash Emergency Funding
Every closed day sends cars and members to competitors. We review your statements quickly and present an offer sized to your deposits.
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.
About three months of bank statements and a 5-minute application. No tax returns. Funding in as little as 24 hours if qualified.
FICO 500 and up is considered, with real weight on your deposit history.
Your offer shows the full repayment amount up front. No surprise costs after you sign.
The repayment schedule is laid out in your offer before you accept.
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.
Emergencies at a car wash rarely give notice. A lightning strike fries the controller and pay stations. A hard freeze cracks underground lines. A delivery truck clips the canopy. A sewer or water authority orders reclaim work done by a deadline. Whatever it is, the clock starts the moment the lot closes, because cars that cannot wash with you will find somewhere else.
Merchant Fund Express provides emergency funding from $25,000 to $5,000,000 for established washes. Decisions move fast, and qualified businesses can be funded in as little as 24 hours.
| Emergency | Typical costs |
|---|---|
| Storm or lightning damage | Controllers, pay stations, signage, canopy repair |
| Freeze damage | Plumbing, heaters, pump rebuilds |
| Regulatory deadline | Reclaim, drainage or permit-related work |
| Vehicle damage claim | Customer repair bills while you sort out fault |
For a single machine that needs replacing, compare equipment financing and our equipment repair funding page.
The application takes about 5 minutes and starts with a soft credit pull, so it does not affect your score. We ask for about three months of business bank statements. No tax returns. FICO 500 and above is considered, and sole proprietors can apply.
We look at your deposits leading up to the emergency and at what you already pay other funders. That tells us how large a payment the wash can carry once it reopens. A site that was busy and consistent right up to the damage usually has a clear story in its statements, even if this week's deposits are close to zero.
Stressful moments lead to rushed decisions. Take a few minutes to get an estimate from your contractor or service tech, figure out how many days you are likely to be down and check whether insurance will cover part of the cost. Then request what you actually need. Your offer will show the full repayment amount and the payment schedule before you accept, so you can confirm it fits.
If cash timing is the bigger issue, read our car wash cash flow guide. Otherwise, apply now.
Once you reopen, let your members know. A quick text or email explaining the closure and the fix tends to bring regulars back faster than silence, and it helps protect your monthly plan revenue.
Decisions move fast, and qualified businesses can be funded in as little as 24 hours.
Yes. We look at your recent deposit history, so a temporary closure does not by itself end the review.
If the claim will take weeks, some owners fund repairs now to reopen sooner. Compare the lost revenue against the cost in your offer.
FICO 500 and up. Deposits and existing obligations weigh heavily.
Yes. The total repayment amount and schedule are in your offer before you accept.
Example uses for illustration only.
Even under pressure, these steps help your request.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding