SBA loans for auto detailing businesses
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data [source] · File as of September 30, 2026 · Loans approved in federal fiscal years 2024–2026 (Oct 2023 – Sept 2026) · Imported November 4, 2026
Car Washes (NAICS 811192)
604loans approved
$448,600median loan
$69K–$1.8Mmiddle half of loans
$704.8Mtotal approved
10%median initial rate
10 yrsmedian term
Borrowers reported 4,755 jobs created or retained.
2.5% of these loans went to franchise locations.
Loan sizes
States with the most loans
| State | Loans | Median |
|---|---|---|
| California | 77 | $600,000 |
| Texas | 66 | $1,806,000 |
| Florida | 58 | $350,000 |
| Ohio | 32 | $310,200 |
| Illinois | 28 | $390,000 |
| Michigan | 26 | $200,000 |
| New Jersey | 26 | $246,900 |
| Pennsylvania | 25 | $150,000 |
| New York | 23 | $700,000 |
| Colorado | 20 | $280,000 |
Most active lenders
| Lender | Loans | Median | Total |
|---|---|---|---|
| U.S. Bank, National Association | 38 | $25,000 | $6.1M |
| The Huntington National Bank | 36 | $51,050 | $9.8M |
| TD Bank, National Association | 29 | $25,000 | $22.8M |
| Celtic Bank Corporation | 27 | $1,599,700 | $58.1M |
| Live Oak Banking Company | 26 | $2,905,500 | $61.2M |
| Readycap Lending, LLC | 22 | $1,414,500 | $35.6M |
| Wells Fargo Bank National Association | 21 | $15,000 | $4.8M |
| Paradise Bank | 16 | $1,262,500 | $33.2M |
| Newtek Bank, National Association | 15 | $125,000 | $2.2M |
| Manufacturers and Traders Trust Company | 14 | $30,000 | $1.1M |
Planning one? Read how to start a auto detailing business and model payments with the loan calculator.
What this data does — and doesn't — tell you
- Approvals, not applications. These are loans SBA approved. The data has no denials, so it cannot tell you your odds of approval.
- Loan size is not startup cost. 7(a) loans also pay for buying existing businesses, real estate, equipment, refinancing and working capital.
- Gross approval amount. Figures are the full approved loan, including the part SBA does not guarantee. Some approved loans are later reduced or never fully disbursed.
- Industry codes are assigned at approval (NAICS) and can be imprecise — a mobile detailer may be coded as a car wash, for example.
- Medians beat averages here: a few very large loans pull averages up. We show the median and the middle half (25th–75th percentile).
- No default rates. Most recent loans are still being repaid, so charge-off rates for these years would be misleading. We don't show them.
- Cancelled loans are excluded, and any group with fewer than 10 loans is hidden. We never publish borrower names.
- Lender counts aren't a quality rating. Big national lenders make many small loans; local lenders may know your market better. Talk to several, or use SBA Lender Match.