FUNDED Series
SBA Loans for Car Wash Owners
Buying a wash with its land, building a tunnel, or adding a site. What a lender counts, and how the deal is structured under SBA SOP 50 10 8.1.
By Thomas Hartwell
ISBN: 979-8-950252-06-8 (Paperback)
What's inside
- How lenders value the land and the business separately
- Why a car wash counts as special-purpose property under SBA 504
- Environmental review, including sites that used to be gas stations
- The down payment, and when a seller note can count toward it
- Building an express tunnel from the ground up
Three owners, three deals
Dana is buying her first wash, land and all, on a corner that was a gas station thirty years ago.
Andre is building an express tunnel from the ground up, and his lender asks him for 20%.
Luis owns two washes and wants to buy his biggest competitor's tunnel.
Every rule is checked against SBA SOP 50 10 8.1 (effective October 1, 2026), 13 CFR Part 120, and current SBA notices.
Check your own car wash deal
The kit runs your numbers through the same SBA checks the book teaches, and shows the most you can pay. See a sample deal checked, free.
See the car wash kit, $67Your lender makes the final call.
Car wash buyers: get the free 27-Point SBA Loan Checklist
What lenders check before you apply, in order. No purchase needed.
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