Ishine Express Car Wash & Deta vs Prime Car Wash
Ishine Express Car Wash & Deta vs Prime Car Wash: Ishine Express Car Wash & Deta costs $1.0M to $4.3M to open; Prime Car Wash costs $210K to $2.5M. Ishine Express Car Wash & Deta has 14 units, Prime Car Wash has 9. SBA loan history: Ishine Express Car Wash & Deta = 9 loans (0.0% default); Prime Car Wash = 13 loans (0.0% default). The franchise with more SBA funded units, a lower SBA default rate, and a lower royalty load is the safer financing bet; see the comparison below.
Ishine Express Car Wash & Deta vs Prime Car Wash: Capital, Scale & Lending Analysis
Analysis based on FDD filings and SBA 7(a) loan level data. Each pairing reflects a unique combination of capital intensity, system scale, and financing path.
Capital Intensity
Prime Car Wash requires the lower minimum capital commitment ($210K vs $1.0M for Ishine Express Car Wash & Deta), a 388% spread. Initial franchise fees come in at $50K for Ishine Express Car Wash & Deta versus $50K for Prime Car Wash.
System Scale & Tenure
On scale, Ishine Express Car Wash & Deta operates 14 units to Prime Car Wash's 9. Ishine Express Car Wash & Deta has been operating 18 years (founded 2008) versus 14 for Prime Car Wash (founded 2012), a 4-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
Prime Car Wash has the deeper SBA lending track record, with 13 7(a) approvals compared with 9 for Ishine Express Car Wash & Deta. Ishine Express Car Wash & Deta's peak SBA year was 2015 (4 loans); Prime Car Wash's peak was 2025 (5 loans). Prime Car Wash's more recent peak generally indicates fresher lender appetite. Ishine Express Car Wash & Deta has the most SBA funded units in TX, with 14. Prime Car Wash leads in IA, with 3. Borrowers should pick the brand whose strongest SBA state matches their own state for warmer lender introductions. Average SBA loan size on funded Ishine Express Car Wash & Deta deals is $2.6M vs $1.4M for Prime Car Wash, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 0.0% for Ishine Express Car Wash & Deta and 0.0% for Prime Car Wash. PeerSense FPI scores come in at 40 (Fair) for Ishine Express Car Wash & Deta and 62 (Moderate) for Prime Car Wash, giving Prime Car Wash the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 40/100 | 62/100 |
Health Tier | Fair | Moderate |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 9 | 13 |
SBA Volume | – | – |
Default Rate | 0.0% | 0.0% |
Peer Tier | emerging | growing |
Investment & Costs
Total Investment | $1.0M to $4.3M | $210K to $2.5M |
Franchise Fee | $50K | $50K |
Royalty Rate | N/A | 4% |
Ad Fund | N/A | 3.5% |
Liquid Capital | N/A | N/A |
Net Worth Required | N/A | N/A |
Financial Performance (Item 19)
Item 19 Status | Not Disclosed | Disclosed |
System Size & Operations
Total Units | 14 | 9 |
Franchised Units | 14 | 9 |
Company Owned | – | – |
Term Length | N/A | 10 yrs |
Brand Information
Year Founded | 2008 | 2012 |
Franchising Since | N/A | 1956 |
Years Franchising | N/A | 70 yrs |
Headquarters | HOUSTON, TX | Jacksonville, FL |
Category | Car Washes | Car Washes |
Website | ||
FDD Year | N/A | 2025 |
Which Is Better, Ishine Express Car Wash & Deta or Prime Car Wash?
Lower upfront capital required
Tie
Ishine Express Car Wash & Deta: $1.0M starting · Prime Car Wash: $210K starting
More SBA lender confidence
Prime Car Wash
Ishine Express Car Wash & Deta: 9 SBA loans · Prime Car Wash: 13 SBA loans
Lower SBA default rate
Tie
Ishine Express Car Wash & Deta: 0.0% · Prime Car Wash: 0.0%
Larger system & brand presence
Tie
Ishine Express Car Wash & Deta: 14 units · Prime Car Wash: 9 units
More lender financing options
Prime Car Wash
Ishine Express Car Wash & Deta: 7 unique lenders · Prime Car Wash: 9 unique lenders
Decision matrix uses publicly disclosed FDD and SBA loan data. Not a recommendation. Your best franchise depends on capital, market, operating capacity, and risk tolerance.
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About These Franchises
Ishine Express Car Wash & Deta vs Prime Car Wash: Franchise Funding Comparison
Comparing Ishine Express Car Wash & Deta and Prime Car Wash is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $210K to $4.3M.
Ishine Express Car Wash & Deta has 9 SBA loans on record and Prime Car Wash has 13. Those totals are cumulative history rather than a measure of current appetite. Recent lending activity is trending down for at least one of these brands, so current lender appetite has to be checked deal by deal rather than assumed from the totals.
SBA 7(a) loans are the most common franchise funding vehicle, offering up to $5M with as little as 10% down. PeerSense connects franchise buyers with the specific lenders who have approved loans for these brands, not generic referrals, but lenders with actual franchise lending track records.
Data sourced from SBA loan records, Franchise Disclosure Documents, and public filings. Updated regularly. Not financial advice, consult with a lending professional before making investment decisions.
Ishine Express Car Wash & Deta vs Prime Car Wash, Frequently Asked Questions
Which is a better franchise investment, Ishine Express Car Wash & Deta or Prime Car Wash?
How much does a Ishine Express Car Wash & Deta franchise cost compared to Prime Car Wash?
Can I finance Ishine Express Car Wash & Deta or Prime Car Wash with an SBA loan?
Which has a lower SBA default rate, Ishine Express Car Wash & Deta or Prime Car Wash?
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Page Review
Reviewed by Edward L. Freeman, Founder and Managing Director, PeerSense
- PeerSense is a capital advisory firm that places commercial financing with direct capital sources; the capital source sets final terms.
- Edward L. Freeman founded PeerSense in January 2020.
- He is a Registered Franchise Consultant with Business Alliance, Inc., a credential issued in March 2022, and worked as a franchise consultant there from March 2022 to May 2023.
- His recorded experience includes a $22 million SBA construction loan, with about $16 million funded on the deal.
- In the 12 months through September 30, 2026, PeerSense tracked 912 publicly announced financings with a disclosed size of $361.32 billion. PeerSense Capital Data Report · Methodology page
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