Car Wash Funding

Fix a dead conveyor, replace blowers, remodel the tunnel, or buy the property. $10K to $5M, approved on your deposits — not your credit score — and funded in as little as 24 hours.

When the tunnel goes down, every hour costs you

A car wash doesn't wait for a loan committee. Your conveyor chain snaps on a Saturday, a dryer motor burns out during a heat wave, or the wash-down pump dies right before the busy spring rush. Cars back up, the "Closed" sign goes on the marquee, and you're watching $2,000–$4,000 a day in ticket sales drive past to the competitor down the road.

Most car wash owners we fund aren't short on demand — they're short on the cash to fix, upgrade, or expand the machine that makes the money. Bank loans take weeks and want three years of tax returns, a business plan, and a personal guarantee on your house. That timeline doesn't match a broken hydraulic ram or a lease renewal that just came with a rent hike. You need the capital while the cars are still lined up.

Whether you run a full-service tunnel, an express exterior, a self-serve bay setup, or an in-bay automatic, we look at what your wash actually deposits — not a credit report — to get you funded fast.

How car wash funding works

• 1. Apply in minutes with a soft pull. Fill out the short application and connect or send 3–6 months of business bank statements. The credit check is a soft pull, so checking your options won't ding your FICO. FICO 500+ is fine — we're reading your deposits.
• 2. Get a real offer, usually same day. We approve based on the revenue flowing through your account. Steady ticket sales, membership dues, and vacuum/vending income all count. No collateral required for working capital.
• 3. Sign and get funded in as little as 24 hours. Money hits your account so you can pay the equipment tech, order parts, or put a deposit down on the property — while the opportunity is still in front of you.

Real numbers and who qualifies

Say your express exterior wash deposits about $85,000 a month and your 20-year-old dryer array finally quits. A new blower package plus install runs $46,000 — cash you don't want to pull out of the account before the spring rush. With funding based on your deposits, you could take $50,000 funded in a day, get the new dryers running by the weekend, and repay from the ticket volume the upgraded wash brings in. No collateral, no waiting three weeks for a bank to say maybe.

You're a strong fit if you:

• Have been in business roughly 6+ months with regular deposits
• Run any wash format — tunnel, express, self-serve, in-bay automatic, or full-service detail
• Bring in at least ~$10,000/month in revenue
• Have a FICO of 500 or higher (we still check with a soft pull, but deposits drive the decision)

Funding runs from $10,000 for a quick pump or parts fix up to $5M for real estate and multi-site expansion.

Straight answers

Will checking my options hurt my credit?

No. We use a soft pull to check your options, which has zero effect on your credit score. A harder review only happens later if you accept an offer and move forward.

My credit isn't great. Can I still get funded?

Yes. We approve on your bank deposits, not your credit score. FICO 500+ is workable because your wash's actual revenue is what we underwrite.

How fast can I actually get the money?

Often same-day approval and funding in as little as 24 hours after you sign. Speed depends on how quickly you get us your bank statements — the faster we see your deposits, the faster you get an offer.

Do I need to put up collateral?

Not for working capital. Equipment repairs, supplies, remodels, and general cash needs don't require collateral. Large real estate deals may be structured differently.

Can I use it to buy the property I'm leasing?

Yes. Real estate purchases, land, and new construction are supported on larger deals up to $5M.

What documents do I need?

Just the short application and 3–6 months of business bank statements. No tax returns or business plan required to get an offer.

Get your wash back to full speed

Don't lose another Saturday to a broken conveyor or watch cars line up for the competition while your dryers sit dead. Check your funding options with a soft pull — no hit to your credit — and see a real offer, often the same day.