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 13.9% default rate on the matured 2018-2021 loan cohort.
At 13.9%, Car Washes sits below the 15.4% all industry SBA default rate (charged off as a share of resolved loans), moderate default risk relative to other SBA industries. The capital source prices this risk into rate and structure.
NAICS 811192 (Car Washes) received 12,724 SBA loans worth $9.9B across 5+ states. Average loan $782K, average term 207 months, 13.9% default rate (resolved loan basis).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?
SBA Lending Activity in Car Washes
1,265 SBA lenders have funded 12,724 loans to car washes businesses (NAICS 811192). Which lender approves your deal depends on your location, loan size, credit profile and time in business, not on who funded someone else. PeerSense makes the introduction.
Car Washes Industry Context
Talk to PeerSense
PeerSense sources capital for car washes businesses. The capital source sets the terms. No upfront fee. Talk to PeerSense. Referral fee at closing.
Retainers
Down with SBA 7(a)
Terms Available
Talk to PeerSense about financing a Car Washes business.
Tell us your loan amount and use of funds. PeerSense sources capital. It is not the lender.
SBA 7(a) / 504: The desk will reach out. No obligation.
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.
Talk to PeerSense about a car washes file. The capital source sets the terms. The desk fee is paid at closing, never upfront.
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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Data aggregated from SBA loan records (1992 to 2025). Car Washes defined by NAICS code 811192. Not financial advice. PeerSense sources capital through a curated network of commercial lenders and capital sources. Consult a lending professional before making financial decisions.