How Much Can Car Washes Businesses Get in SBA Loans?
12,724 SBA loans totaling $9.9B have been approved for car washes businesses (NAICS 811192). The average approved SBA loan is $782K, which is 130% above avg the $340K national average. 1265 active lenders fund this industry with a 9.4% historical default rate.
NAICS 811192 (Car Washes) received 12,724 SBA loans worth $9.9B across 5+ states. Average loan $782K, average term 207 months, default rate 9.4%.1265 active SBA-approved lenders fund this industry. Most car washes loans use the SBA 504 program.
Is SBA Lending Growing for Car Washes?
Which SBA Program Do Car Washes Businesses Use Most?
What Is the Best SBA Loan for Car Washes?
25% of car washes loans use this program — ideal for real estate and major equipment purchases
Where Are Car Washes SBA Loans Most Common?
Top SBA Lenders for Car Washes
These banks have funded the most SBA loans for car washes businesses (NAICS 811192). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | Wells Fargo Bank National Association(SD) | 504 | $226.2M |
| 2 | The Huntington National Bank(OH) | 394 | $175.1M |
| 3 | U.S. Bank, National Association(OH) | 393 | $170.5M |
| 4 | Bank of Hope(CA) | 292 | $258.0M |
| 5 | PNC Bank, National Association(DE) | 290 | $134.9M |
Car Washes Industry Context
Ready to Fund Your Car Washes Business?
PeerSense places SBA loans for car washes businesses nationwide. We match you with the right capital source — no retainers, referral fee at closing.
Retainers
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How Does SBA Lending Work for Car Washes Businesses?
Across all SBA loan programs, 12,724 loans have been approved for businesses classified under NAICS 811192 (Car Washes), representing $9.9B in total capital deployed. The average approved loan of $782K is 130% above avg the national SBA average of $340K, with typical repayment terms of 207 months.
SBA lending for car washes has remained relatively stable across recent fiscal years. 1265 active lenders continue funding this sector, providing consistent access to capital for both new ventures and established businesses looking to expand.
Notably, 25% of SBA loans in this industry use the 504 program — well above the national average — indicating that car washes businesses frequently finance major fixed assets like real estate, heavy equipment, or facility buildouts. The 504 program offers up to $5.5M with below-market fixed rates and only 10% down from the borrower.
PeerSense specializes in matching car washes business owners with the capital sources most likely to approve their specific deal structure. As an advisory firm (not a lender), we structure your deal across our network of 500+ SBA-approved lenders to find the best terms — our referral fee is established upfront and paid at closing. No retainers.
Frequently Asked Questions — Car Washes SBA Loans
What is the average SBA loan size for car washes businesses?
Which SBA loan program is best for a car washes business?
How many lenders fund SBA loans for car washes?
What states have the most SBA lending for car washes?
How does PeerSense help car washes businesses get SBA loans?
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All Other Personal Services
Other Personal Care Services
Data aggregated from SBA loan records (1992–2025). Car Washes defined by NAICS code 811192. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.