Keep your wash crew paid through rainy weeks and slow months. Apply in 5 minutes, funding in as little as 24 hours for qualified businesses.
Cover PayrollCar Wash Payroll
Wash traffic follows the weather, but wages don't. We size funding to your deposits so payroll goes out on time even when the lot is empty.
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 plus about three months of statements. No tax returns. Qualified washes can be funded in as little as 24 hours.
FICO 500 and above is considered. Steady deposits and membership revenue matter more than a perfect score.
Your offer shows the full repayment amount before you accept, and no surprise costs show up after you sign.
Your repayment schedule is laid out in the offer up front, so you can plan it next to your payroll calendar.
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.
A car wash can have a great month and still hit a payroll squeeze. Four days of rain in a row, a road project that blocks your entrance, a tunnel down for repairs. Volume drops, but your attendants, detailers, prep crew and manager still expect their checks on Friday, and the payroll taxes are still due.
Merchant Fund Express offers payroll funding for established car washes with steady deposits. Amounts range from $25,000 to $5,000,000, and qualified businesses can be funded in as little as 24 hours.
Washes are weather businesses. Revenue clusters around sunny weekends, pollen season, road-salt months and the days after a storm. Labor, on the other hand, is mostly fixed. You can trim a shift, but you cannot let a trained crew walk because of one wet week. If you lose good people, the next sunny Saturday turns into a long line and bad reviews.
Membership and unlimited plans help smooth things out, but they rarely cover the whole wage bill when single-wash traffic disappears.
Some owners try to bridge the gap with personal cards or by delaying vendor bills. That works for a week, then it creates its own problem when the chemical supplier puts you on hold right before the sun comes back. A planned funding line or lump sum is usually easier to manage than a stack of improvised fixes.
Apply online in about 5 minutes. We start with a soft credit pull and ask for about three months of business bank statements. No tax returns. FICO 500 and up is considered, and sole proprietors can apply. We look at how consistent your deposits are and what you already pay to other funders, then size an offer that should not crowd out next month's payroll.
Your offer shows the full repayment amount and the payment schedule before you accept. Start your application.
Yes. Covering wages and payroll taxes during a slow stretch is one of the most common uses we see from car washes.
Start with the payroll shortfall you expect for the slow period plus a modest buffer. The final amount depends mainly on your deposits and existing obligations.
Recurring membership charges that land in your business account show up in your bank statements, and steady recurring revenue is helpful in a review.
Qualified businesses can be funded in as little as 24 hours, so applying a few days before payroll is due is wise.
We start with a soft credit pull, which does not affect your score.
Example uses for illustration only.
These steps can make a payroll funding request stronger.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding