Funding for Car Washes & Detailing
Washes are card-and-membership businesses with daily settlement — a clean fit for an advance that remits with revenue, lighter in a rainy week. And the tunnel itself is exactly what equipment financing was built for, up to 100% of cost.
A car wash is a machine that turns sunny days into card swipes, and everything depends on the machine running. Conveyors, blowers, brushes, water reclaim, payment kiosks — when any of it fails, revenue stops at full overhead. Membership programs have made revenue steadier, but weather still writes your week, and banks have little patience for a business that can lose half a month to rain. Broadway underwrites from your bank statements, not the forecast: one short form, three months of statements, a soft credit pull, a same-day decision, and funding in as little as 24 hours. Equipment financing covers up to 100% of cost on tunnel and detailing equipment, and an advance flexes with your weather-driven sales.
The challenge
Your revenue checks the weather forecast every morning. A string of rainy weeks zeroes out volume while the lease, the chemicals, and the loan on the tunnel equipment keep their schedule — and when a blower or conveyor dies, the whole site stops earning.
How Broadway Advance helps
Washes are card-and-membership businesses with daily settlement — a clean fit for an advance that remits with revenue, lighter in a rainy week. And the tunnel itself is exactly what equipment financing was built for, up to 100% of cost.
What owners use it for
- Repair or replace tunnel equipment — conveyors, blowers, brushes — before downtime compounds
- Add or upgrade payment kiosks, license plate readers, and membership systems
- Bulk-buy chemicals, towels, and supplies at better pricing
- Carry payroll and lease payments through a rained-out stretch
- Build out a detailing bay or express interior line to lift ticket size
- Refresh signage, vacuums, and lot lighting to compete with the new express chains
See your real number in about five minutes.
Apply nowFunding options that fit car washes & detailing
Equipment Financing
Buy the equipment you need; the equipment itself secures the deal.
Up to 100% of equipment cost →Merchant Cash Advance
Immediate cash today in exchange for a small slice of future sales.
Up to $2,000,000 →Term Loan
The lowest rates and longest terms, with predictable monthly payments.
Up to $5,000,000 →Car Washes & Detailing funding questions
My tunnel conveyor is down and every day costs me real money. How fast can this move?
This is the situation Broadway's process is built for: one short form, three months of bank statements, a soft credit pull, a same-day decision, and funding in as little as 24 hours. For an emergency repair, a working capital advance is usually the fastest path; for a full replacement, equipment financing covers up to 100% of cost at better pricing but can take slightly longer. Many owners fund the repair fast and refinance into equipment terms after.
Does my membership revenue help my application?
Significantly. Recurring monthly memberships are the most predictable revenue a wash can show, and three months of statements with steady membership billing reads far stronger than pure weather-dependent retail volume. It can mean better offers and larger amounts. If you are building toward bigger financing — a second site, a tunnel rebuild — growing the membership base first is one of the most effective things you can do for your terms.
Rainy season is coming. Should I borrow ahead of it or wait until I'm short?
Borrowing while your statements look strong almost always gets you better terms than applying mid-slump, when your recent deposits are weakest. That said, do not borrow expensive money just to have it sit idle — an advance starts costing you the day it funds. The middle path many owners take: apply now, see your offers (the soft pull costs nothing), and either take a line of credit you draw only when needed, or fund right before the spend.