SBA by industry · TX
SBA lenders for car washes in Texas
39 lenders made 82 SBA loans to car washes in Texas in the 36 months ending September 30, 2026. Metro City Bank made the most, with 9. The typical loan was about $1.8M.
- Evidence
- SBA 7(a) and 504 loans to car washes in Texas, NAICS 811192
- Data as of
- SBA, September 30, 2026
- Page last changed
- November 12, 2026
- Lenders on record
- 39
- SBA FOIA,
- SBA loans, 36 months
- 82
- SBA FOIA,
- 7(a) net of cancelled; 504 funded first liens
- Dollars, 36 months
- $166M
- SBA FOIA,
- Last 12 months
- 22
- SBA FOIA,
Cite this
Source: The Lender Report, SBA lenders for car washes in Texas, https://lender.report/sba-lenders-for/car-washes/texas/, data as of September 30, 2026.
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| Lender | Kind | Based in | Loans | Dollars | 7(a) | 504 | Last 12 months |
|---|---|---|---|---|---|---|---|
| Metro City Bank SBA 7(a) record | Bank | Doraville, GA | 9 | $34.4M | 9 | 0 | 2 |
| Celtic Bank SBA 7(a) record | Bank | Salt Lake City, UT | 8 | $27.8M | 5 | 3 | 3 |
| Readycap Lending, LLC SBA 7(a) record | Non-bank | Berkeley Heights, NJ | 6 | $15.0M | 6 | 0 | 0 |
| Stearns Bank National Association SBA 7(a) record | Bank | Saint Cloud, MN | 5 | $10.6M | 3 | 2 | 1 |
| Live Oak Banking Company SBA 7(a) record | Bank | Wilmington, NC | 4 | $5.56M | 4 | 0 | 3 |
| Newtek Bank, National Association SBA 7(a) record | Bank | Miami, FL | 4 | $740K | 3 | 1 | 1 |
| Peoples Bank SBA 7(a) record | Bank | Mendenhall, MS | 3 | $7.17M | 3 | 0 | 2 |
| T Bank, National Association SBA 7(a) record | Bank | Dallas, TX | 3 | $6.27M | 3 | 0 | 1 |
| First Bank of the Lake SBA 7(a) record | Bank | Osage Beach, MO | 3 | $1.48M | 1 | 2 | 0 |
| Northeast Bank SBA 7(a) record | Bank | Portland, ME | 3 | $440K | 3 | 0 | 2 |
| Enterprise Bank & Trust SBA 7(a) record | Bank | Clayton, MO | 2 | $4.07M | 2 | 0 | 2 |
| The Bancorp Bank, National Association SBA 7(a) record | Bank | Sioux Falls, SD | 2 | $3.35M | 2 | 0 | 0 |
| Encore Bank SBA 7(a) record | Bank | Little Rock, AR | 2 | $2.80M | 2 | 0 | 1 |
| First United Bank | Bank | Dimmitt, TX | 2 | $2.30M | 0 | 2 | 0 |
| American Momentum Bank SBA 7(a) record | Bank | College Station, TX | 1 | $5.00M | 1 | 0 | 0 |
| Community National Bank & Trust of Texas | Bank | Corsicana, TX | 1 | $5.00M | 1 | 0 | 0 |
| Hanmi Bank SBA 7(a) record | Bank | Los Angeles, CA | 1 | $5.00M | 1 | 0 | 0 |
| One World Bank SBA 7(a) record | Bank | Dallas, TX | 1 | $5.00M | 1 | 0 | 0 |
| SouthState Bank, National Association SBA 504 record | Bank | Winter Haven, FL | 1 | $3.20M | 0 | 1 | 0 |
| Commonwealth Business Bank SBA 7(a) record | Bank | Los Angeles, CA | 1 | $3.10M | 1 | 0 | 0 |
| b1BANK SBA 7(a) record | Bank | Baton Rouge, LA | 1 | $2.90M | 1 | 0 | 0 |
| The First Security Bank SBA 7(a) record | Bank | Beaver, OK | 1 | $2.50M | 1 | 0 | 0 |
| U.S. Bank National Association SBA 504 record | Bank | Cincinnati, OH | 1 | $2.10M | 0 | 1 | 0 |
| Midwest Regional Bank SBA 7(a) record | Bank | Clayton, MO | 1 | $1.90M | 1 | 0 | 0 |
| Prosperity Bank SBA 504 record | Bank | El Campo, TX | 1 | $1.70M | 0 | 1 | 0 |
Dollars are approval amounts, rounded to 2 significant figures per loan, net of cancelled approvals.
| Industry | Loans |
|---|---|
| Car Washes | 82 |
| Loan size | Loans |
|---|---|
| Under $150K | 9 |
| $150K to $350K | 11 |
| $350K to $1M | 13 |
| $1M to $2.5M | 16 |
| $2.5M or more | 33 |
- SBA lenders recorded 82 loans to car washes totaling $166.4M in Texas in the 36 months ending September 30, 2026, excluding cancelled approvals. SBA FOIA,
- The typical loan was about $1.8M, with the middle half between $350K and $3.2M. SBA FOIA,
- 66 were SBA 7(a) loans and 16 were SBA 504 first liens. SBA FOIA,
- SBA 7(a) lenders reported a median initial rate of 9.50% on 66 loans. SBA FOIA,
- The median term was 25 years. SBA FOIA,
- Banks and savings institutions made 72 of the loans, credit unions 1, and non-banks 8. SBA FOIA,
- The five most active lenders made 39.0% of the loans. SBA FOIA,
- The three most active lenders were Metro City Bank with 9, Celtic Bank with 8, and Readycap Lending, LLC with 6. SBA FOIA,
- 9 of the loans were under $150K, and 49 were $1M or more. SBA FOIA,
- 1 of these loans was made by lenders that have since merged or closed, that the file lists under a name with no lender record here, or that the loan tape shows only at a broader industry level. They are counted in the totals here and appear in no lender's row. SBA FOIA,
- The SBA file shows 22 approvals of these loans dated in the 12 months to September 30, 2026, versus 40 in the 12 months before. Both counts leave out cancelled approvals and include 504 approvals not yet funded. SBA FOIA,
- 9 of the 39 lenders are based in Texas. The rest are based elsewhere, most often in California, Florida and Missouri. SBA FOIA,
- The most common detailed industry in Texas was Car Washes, with 82 loans. SBA FOIA,
How this list is defined
- Measure
- SBA loans made to car washes in Texas
- Period
- October 2023 to September 2026
- Formula
- Count, by lender, of SBA 7(a) approvals and SBA 504 first liens located in Texas, dated in the 36 months ending September 30, 2026 and not cancelled, whose NAICS code in the SBA file falls in NAICS 811192.
- Order
- Largest first by loans in the state, then dollars, then name. Payment is not part of the order.
- As of
- September 30, 2026
- Source
- SBA FOIA
- Changelog
- : First published, with the data built on this date.
What we don't know
- Whether any of these lenders is taking new SBA loans today, or how it would treat a business like yours.
- Loans that were never completed. The SBA file lists approvals, and these pages leave out the ones it marks cancelled.
- The borrower, the address and every term beyond rate and term. The public file does not show them.
Every loan counted here carried one of these NAICS codes in the SBA file, and the state of the loan is the state of the business. Loans are approvals, net of cancelled approvals. Lenders that merged or stopped filing are left out.
SBA does not require you to use an agent or broker for a loan application. SBA has not reviewed or endorsed this site.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.