Rainy stretches and broken dryers call for different funding. Compare both for your wash and see the full cost before you accept.
Compare OptionsCar wash funding compared
A line covers recurring gaps when the weather turns. A lump sum covers one defined repair or upgrade. Your offer shows the total and the schedule up front.
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. Qualified washes can be funded in as little as 24 hours.
FICO 500+ is considered. Steady card and membership deposits carry weight.
Your offer states the total repayment amount before you accept, with no surprise costs after you sign.
The schedule is in your offer, so you can plan it against seasonal volume.
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 sunny Saturday after a week of rain can be your best day of the month. A rainy two weeks can feel like a closure. Meanwhile, chemicals, water, electricity, and lease payments run every month. And when a conveyor, dryer, or brush assembly fails, you lose revenue every hour it is down.
Those are two distinct needs, and they map to two distinct products.
A business line of credit handles the unpredictable stretches. Draw to cover chemical orders or payroll during a wet month, repay as sunny weekends bring volume back, and keep the line available for the next stretch. It also works for smaller repairs that come up throughout the year. See our car wash line of credit page for more.
A merchant cash advance provides one sum up front, repaid from future receivables per your offer. Car washes often use it for a defined project: replacing a dryer system, adding a pay station that supports a membership program, or refreshing signage and lighting. Because so much car wash revenue comes through cards and memberships, an advance can follow your volume. Our car wash merchant cash advance page goes deeper.
For larger machinery, we also offer equipment financing, which some owners prefer for tunnel components.
Not every wash runs the same way. Express tunnels lean on memberships and high card volume, so steady recurring deposits often stand out in their statements. Self-serve and in-bay automatic locations may take more coins and cash, so depositing that revenue regularly matters. Full-service and detail shops carry more labor, which makes payroll gaps the main pressure.
Knowing which describes your site helps you choose. Labor-heavy operations often lean toward a line. Equipment-heavy tunnels often lean toward a lump sum or equipment financing for big components.
You do not need to choose before applying. Submit a 5-minute application with about three months of business bank statements. We start with a soft credit pull, consider FICO 500+, and do not require tax returns. Sole proprietors can apply. Funding ranges from $25,000 to $5,000,000, with qualified car washes funded in as little as 24 hours.
Each offer lists the full repayment amount and schedule before you accept. Start here.
Reviewers expect weather swings in car wash revenue. They look at the overall deposit pattern across about three months, not one bad week.
Recurring membership payments that land in your business account add to the steady deposit picture we review.
If you know the repair or replacement cost, a lump sum or equipment financing usually fits. A line can cover smaller ongoing repairs.
No. Bank statements and a short application are the starting point.
Decisions move fast. Qualified businesses can be funded in as little as 24 hours.
Example uses for illustration only.
These habits help a car wash's file read clearly.
One secure application. A soft credit pull to start. No obligation to accept an offer.
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