Merchant Fund Express
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Equipment Repair Funding for Car Washes

Get the conveyor, pumps or dryers running again. Apply in 5 minutes and get funded in as little as 24 hours if your wash qualifies.

Fund My Repair

Car Wash Equipment Repair

Every closed day sends cars down the street

We review about three months of bank statements and move quickly, so you can pay the service tech and reopen the tunnel.

As fast as
24 hours

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.

Repair funding built for wash owners

Quick, light paperwork

Five-minute application, about three months of statements, no tax returns. Qualified washes can be funded in as little as 24 hours.

Credit isn't the only factor

We consider FICO 500 and up, and your history of steady deposits weighs heavily.

Total cost shown first

Your offer shows the full repayment amount before you accept. No surprise costs after you sign.

Payments laid out ahead

The repayment schedule is in your offer up front, so you know exactly what's coming.

Payroll before sales come in?

Fast decisions. Applying takes about 5 minutes.

Apply Now

How it works

Apply in minutes

A short application. A soft credit pull to start.

Fast decision

We review revenue, time in business and bank activity, not just a credit score.

Review your offer

You see the amount, the schedule and the full repayment amount before you sign.

Get funded

Funding in as little as 24 hours for qualified businesses.

A down tunnel is a closed business

Most retail businesses can limp along with one broken piece of equipment. A car wash usually cannot. When the conveyor chain snaps, the high-pressure pump seizes, the RO system fails or a dryer blower motor burns out, the line stops. Customers drive across the street, and members start wondering why they are paying monthly for a wash that is closed.

Merchant Fund Express offers equipment repair funding for established tunnel, in-bay automatic and self-serve washes. Funding runs from $25,000 to $5,000,000, and qualified businesses can be funded in as little as 24 hours.

Repairs owners commonly fund

Repair now or replace?

Sometimes the honest answer from your service tech is that the part is not worth fixing again. If you are looking at replacing a whole system rather than rebuilding it, equipment financing for car washes may suit better, since it ties funding to the new machine. For a rebuild, parts and labor bill, or a handful of smaller repairs at once, working capital is usually simpler.

If you would like a cushion for future breakdowns too, a business line of credit lets you draw when the next repair comes up instead of reapplying.

How the review works

We keep it light. The online application takes about 5 minutes and begins with a soft credit pull. We ask for about three months of business bank statements and do not require tax returns. FICO scores of 500 and up are considered, and sole proprietors can apply.

We focus on your deposit history and any existing obligations. A wash that was running steadily until the breakdown generally has a clear story in its statements. Your offer will spell out the full repayment amount and the payment schedule before you accept, so you can weigh it against what each closed day is costing you.

Owners who have been through a few breakdowns often keep a list of the parts that fail most on their equipment. That list makes it much easier to size a request quickly the next time.

Apply now and get a quote from your service company in parallel.

Frequently Asked Questions

Can I apply while my wash is closed for repairs?

Yes. We review your recent bank statements, so a short shutdown for repairs does not by itself end the review.

Do I need a repair quote?

It is helpful for sizing the request, but it is not required to apply. Offers are based mainly on deposits and existing obligations.

Is equipment financing better than working capital for repairs?

For replacing a whole machine, equipment financing often fits. For parts, labor and smaller repairs, working capital is usually simpler.

How fast can I get the money?

Qualified businesses can be funded in as little as 24 hours, which can mean fewer lost wash days.

Will checking my options hurt my credit?

No. We start with a soft credit pull that does not affect your score.

Conveyor rebuild $38,000.00
Pump and VFD $26,500.00
Dryer motors $31,000.00
Reclaim system $55,000.00

Example uses for illustration only.

How to improve your chances

A little prep keeps a repair request moving quickly.

  • Get a written quote from your service company
  • Have three months of bank statements ready to upload
  • List any existing loans or advances
  • Track lost wash days so you know the cost of waiting

Repair funding vs. a bank

Merchant Fund Express
Traditional bank loans
Application
About 5 minutes
Long forms and meetings
Documents
About 3 months of statements
Tax returns and full financials
Credit
FICO 500+ considered
Usually strong credit
Speed
As little as 24 hours if qualified
Weeks, while the tunnel sits
Initial credit check
Soft pull
Often a hard inquiry

Get the line moving again

One secure application. A soft credit pull to start. No obligation to accept an offer.

Apply for Funding
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