Carry rent, labor and utilities through the months the lot goes quiet. Apply in 5 minutes. Funding in as little as 24 hours for qualified washes.
Plan for the SlowdownSeasonal Cash Flow
Weather sets your wash counts. We help you hold steady through the dip, with an offer sized to your deposits and a schedule you see before signing.
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.
Five minutes online and about three months of bank statements. No tax returns. Qualified washes can be funded in as little as 24 hours.
FICO scores of 500 and up are considered, and your deposit history plays a big part in the decision.
You'll see the full repayment amount in your offer before you accept. No surprise costs after you sign.
Your repayment schedule is in the offer up front, so you can line it up against your seasonal traffic.
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.
Where your wash sits decides when it slows down. In snow states, winter salt brings a rush and then deep cold empties the lot. In the South, summer storms and heat can cut afternoon traffic. In rainy regions, a wet spring can feel endless. The pattern differs, but the problem is the same: fixed costs keep coming while wash counts fall.
Slow-season funding from Merchant Fund Express helps established washes carry rent, utilities, chemicals, labor and loan payments until traffic picks back up. We offer $25,000 to $5,000,000, with funding in as little as 24 hours for qualified businesses.
The off-season is also when owners get work done. It is the time to rebuild a conveyor, swap brushes, repave the vacuum lanes or rework the menu board, because downtime costs less. Funding can cover both: keeping the lights on and getting the site ready for the busy months. For larger machine work, equipment financing is worth a look.
| If you | Consider |
|---|---|
| Know the slow period and its shortfall | Working capital |
| Want to draw only when weather turns | Line of credit |
| Want payments tied to card sales | Merchant cash advance |
Many washes with a predictable off-season prefer a lump sum they can budget against. Sites in places where weather is less predictable often like the flexibility of drawing only when needed.
Still deciding? Our car wash cash flow guide walks through the tradeoffs.
The best time to apply for slow-season funding is near the end of your busy stretch, when your recent bank statements show strong deposits. We review about three months of business bank statements, start with a soft credit pull and consider FICO scores from 500 up. No tax returns are required, and sole proprietors can apply. Your offer lists the full repayment amount and the payment schedule before you accept, so you can make sure payments line up with the months you expect traffic to return.
Be realistic about how long the quiet stretch usually lasts. Look at the last couple of years of deposits and note when traffic actually recovered, not when you hoped it would. Asking for a little more time than you think you need is usually wiser than coming up short in the final weeks.
Ideally toward the end of the busy season. Strong recent deposits give us a clearer picture of what the business can support.
Yes. Many owners combine operating costs with repairs or upgrades they plan for slower months.
That's fine to tell us. We look at your actual deposit pattern, whatever months it falls in.
Funding ranges from $25,000 to $5,000,000. Your amount depends mainly on deposits and current obligations.
Yes. The schedule and total repayment amount are in the offer before you accept.
Example uses for illustration only.
Owners who prepare for the off-season usually get a cleaner review.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding