Industry
Immediate receipts, plus recurring revenue where a membership programme exists.
✓ Checking what you qualify for does not affect your credit score.
Car washes are classified under Car Washes, which is an eligible category. That takes industry off the table and leaves the same four things every file is read on: average daily balance against revenue, time in business, negative days and NSFs, and existing positions.
Immediate receipts, plus recurring revenue where a membership programme exists.
In Montana that usually means capital goes to tunnel equipment, reclaim systems, vacuums, payment kiosks, a second site.
Weather-driven; a wet quarter reads as a revenue dip rather than a decline in demand.
Montana funds normally on every tier — no extra restrictions apply.
Most of this activity sits around Billings, Missoula, Great Falls and Bozeman.
We fund businesses in all 50 states. California and New York carry extra restrictions on the revenue-based tier.
Montana has a hard winter that removes months of the year. For car washes that is not a downturn, it is the calendar — and underwriting reads a northern seasonal account on the twelve-month average, not on the trough.
The practical consequence is that the capital usually has to be in place before the season opens, not after the first invoices land.
Tier 1: 650 FICO, 3 years in business, $300,000 a year or $25,000 a month, 8+ monthly deposits.
Tier 2: 600 FICO, 6 months in business, $60,000 revenue, $800 minimum daily balance.
Renewal: 550 FICO, 2 years in business, once 50% of the original balance is repaid.
The minimum FICO is 500. The 650/600/550 tiers are product criteria that decide which product a file is read against, not a floor on the business. Scores in the 500s are placed routinely and are read on revenue, deposit consistency and time in business rather than on the score alone.
Yes. Car washes are classified under Car Washes, which is an eligible category .
The minimum FICO is 500. The 650/600/550 tiers are product criteria that decide which product a file is read against, not a floor on the business. Scores in the 500s are placed routinely and are read on revenue, deposit consistency and time in business rather than on the score alone.
Same-day decision and next business day funding on a complete file — the application plus three months of business bank statements.
Weather-driven; a wet quarter reads as a revenue dip rather than a decline in demand. Underwriting reads the average and the deposit count, not the peak month.
Same-day decision. Applying takes a few minutes and will not affect your credit score.
