Merchant Fund Express
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Revenue-Based Financing for Car Washes

Funding with repayment tied to revenue, built for a business that rises and falls with the weather. Apply in about five minutes.

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Car Wash Revenue-Based Financing

Repayment that relates to how many cars come through

Busy weekends and slow rainy weeks are part of the car wash business. Revenue-based financing is built with that swing in mind.

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.

Why washes choose revenue-based funding

Fast with little paperwork

About three months of bank statements and a 5-minute application. No tax returns required.

Flexible on credit

FICO 500+ considered. Revenue history carries real weight, and sole proprietors can apply.

Transparent costs

The full repayment amount is in your offer before you accept. No surprise costs after you sign.

Clear repayment terms

How and when you repay is laid out in your offer up front, before you commit.

Need capital this week?

Fast decisions. Applying takes about 5 minutes.

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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.

Financing that tracks your wash count

Few businesses swing like a car wash. Pollen season, road salt and a run of sunny weekends can push volume up fast, while a rainy month can cut it sharply. A fixed payment does not care about any of that. Revenue-based financing is built around the idea that repayment should relate to what your business brings in.

You receive funding up front, and repayment is tied to your revenue according to the terms in your offer. The details, including the full repayment amount, are laid out before you accept.

When it makes sense for a car wash

Revenue-based financing tends to fit owners who:

For a single machine purchase, equipment financing may be the cleaner match. For recurring small gaps, a line of credit could work better.

An example, for illustration

For illustration only: an express tunnel owner wants to add a second vacuum island and run a spring membership campaign. Their deposits are healthy in spring and summer and soft in late winter. With revenue-based financing, they get the funds before the busy season, and repayment relates to revenue as it comes in under the terms of the offer. The actual amount and structure would depend on their deposits and existing obligations.

Want more growth ideas? See car wash expansion funding and our car wash cash flow guide.

Questions to ask before you accept

Before signing any revenue-based offer, make sure you understand the full repayment amount, how repayment is calculated against revenue, and how often payments are collected. Compare that against what the funding will do for your wash. A new vacuum island or membership campaign should bring in more than it costs. If the numbers are not clear to you, ask before you accept.

What you need to apply

About three months of business bank statements, a 5-minute application, and a soft credit pull to start. No tax returns are required. FICO 500+ is considered, and sole proprietors can apply. Funding ranges from $25,000 to $5,000,000 for established businesses with steady deposits, and can arrive in as little as 24 hours for qualified businesses.

Apply now and see what your wash qualifies for.

Frequently Asked Questions

How is revenue-based financing different from a merchant cash advance?

Both relate to your sales. A merchant cash advance is an advance against future card sales. Revenue-based financing ties repayment to overall revenue. Your offer explains exactly how yours works.

What happens to repayment in a slow month?

Repayment is tied to revenue under the terms in your offer. Read the offer closely, since it spells out the full repayment amount and schedule before you accept.

Do membership revenues count?

Recurring membership charges that deposit into your business account are part of your deposit history, which is what we review.

Can I use the funds for anything in the wash?

Owners use revenue-based financing for growth, supplies, staffing, marketing and equipment. Tell us your plan when you apply so we can match the right product.

How much can I get?

Funding ranges from $25,000 to $5,000,000. The amount depends mainly on your deposits and existing obligations.

Vacuum island $48,000.00
Membership push $36,000.00
Detail bay setup $70,000.00
Spring stock-up $22,500.00

Example uses for illustration only.

How to improve your chances

These steps help show your wash's revenue clearly.

  • Route card and membership revenue to one account
  • Keep three full months of statements ready
  • Track monthly wash counts alongside deposits
  • Write down existing payments before applying

Revenue-based financing vs. a bank loan

Merchant Fund Express
Traditional bank loans
Based on
Revenue and deposits
Credit, collateral, history
Documents
About 3 months of statements
Tax returns and financials
Credit
FICO 500+ considered
Strong credit expected
Speed
As little as 24 hours if qualified
Weeks to months
Start
Soft credit pull
Hard credit pull

Fund your next busy season now

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

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