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Built to Keep Projects Moving2–4 hrsMost credit decisions come back within hours, helping sales teams maintain momentum. Direct & 25+FPG is a direct lender with access to 25+ strategic funding partners for more ways to get a deal done. $350KApplication-only financing available up to $350,000, subject to credit approval. Larger tunnel projects start with a full credit package. Dedicated TeamReal people who understand wash equipment, equipment sales and vendor programs.
Financing that works at the speed of an equipment sale
Fast decisions matter when an operator is working toward a grand opening, a conversion date or the start of salt season. Speed alone is not enough — sellers also need flexible structures and people who understand the equipment, the operator and the project.
The Equipment Seller's Perspective
Financing should help create the yes — not show up after the no.
Your priority is to move equipment, shorten the sales cycle and protect margin. When financing is treated as an afterthought, the operator may already have decided to patch an aging in-bay for another year, cut dryers or reclaim from the package, or push the build back a season.
Lead big builds with a full credit package
Tunnel packages often land above the $350,000 application-only limit. Starting with a complete credit package keeps underwriting from becoming the last thing holding up the build.
Keep the package whole
Presenting financing early keeps the conveyor, dryers, reclaim, equipment room and pay stations in the same project instead of value-engineered out one line at a time.
Sell the upgrade before the next breakdown
Operators running older equipment often wait for a failure. A monthly payment makes it easier to replace or convert on their schedule rather than after a down bay costs them a busy weekend.
Protect margin
Give customers structure and payment flexibility before discounting the package or absorbing install costs becomes the easiest way to save the deal.
We Speak Car Wash
Built around the equipment behind every wash
FPG finances new and used car wash equipment, from a single in-bay automatic to a complete express tunnel package. We underwrite the operator and understand that equipment type, condition, resale value and site plans can all influence how a transaction should be structured.
Tunnel Systems & ConveyorsConveyors, belt systems, wraps, mitters, rockers and arches for express and full-service tunnels.
In-Bay AutomaticsTouchless, soft-touch and hybrid rollover systems for new sites, fuel and convenience locations, and retrofits.
Self-Serve Bay EquipmentPump stands, booms, foam brushes, bay controls and self-serve equipment packages.
Dryers & BlowersDryers, blowers and drying systems for tunnels and in-bay automatics.
Water Reclaim & TreatmentReclaim systems, reverse osmosis, spot-free rinse, water softeners and filtration.
Equipment Room & Chemical DeliveryPump stations, high-pressure systems, chemical dispensing, water heaters and controllers.
Pay Stations & Site TechnologyAutomated pay stations, membership and license plate recognition systems, gates and signage.
Vacuums & Detail CentersCentral vacuum systems, vacuum arches, mat cleaners and detail center equipment.
Selling a full tunnel package or a conversion that spans the tunnel, equipment room, reclaim and pay stations? FPG can structure financing around the complete equipment project rather than one quote at a time.
Why Equipment Sellers Use FPG
One financing relationship. More ways to get the deal done.
FPG combines direct lending, in-house underwriting and a network of strategic funding partners. That gives your sales team more flexibility without forcing them to manage multiple lender relationships on every opportunity.
More flexibility without more complexity
- Direct lending plus access to 25+ strategic funding partners
- Application-only financing up to $350,000 and full credit package review for larger tunnel builds
- Structures for A, B and C credit profiles, including growing operators
- Support for multi-asset packages spanning tunnel, equipment room, reclaim and pay stations
- A named finance team that works directly with your sales reps
People who understand the equipment and the sale
Car wash deals are not generic business financing. The equipment package, the install, the opening date and how the operator plans to build volume all matter. FPG's team works with sellers and operators to structure the transaction around the equipment and the way the site will run.
Your FPG car wash equipment finance team
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Jon McBrideSVP, Growth & Strategic Partnerships — Hard Assets
Casey GoodellVP, Strategic Sales & Partner Development
Kristopher TozierVP, Strategic Sales & Partner Development
Flexible Structures
Typical programs are not one-size-fits-all.
The right structure depends on the operator, the equipment and when the site actually starts washing cars. FPG can structure the sale around the operator's opening date and busy seasons instead of forcing every buyer into the same payment pattern.
Equipment Finance Agreements
Traditional structures for customers that want predictable payments and ownership economics.
Purchase Options
Fixed-term structures designed for customers who intend to own the equipment at the end of the term.
Residual Structures
Options that can reduce scheduled payments when a residual value makes sense for the asset and transaction.
Deferred Payments
Structures that can help an operator get through installation, start-up and opening before regular payments begin.
Seasonal Payments
Payment schedules that can be aligned with an operator's busy and slow months, such as salt season in snow-belt markets.
Step Payments
Lower early payments that step up over the term, useful for new sites building volume and membership after opening.
Multi-Asset & Full-Package Financing
One transaction covering the tunnel, equipment room, reclaim, pay stations and vacuums instead of separate paperwork for each quote.
New & Used Equipment
Financing for new equipment and for qualifying used or refurbished wash systems.
Installation, freight and equipment-room work can be included alongside the equipment, so operators can finance the complete working wash rather than the hardware alone.
How It Works
From equipment quote to funded sale
Your sales team stays focused on the customer and the next project instead of chasing financing paperwork.
1
Quote the Equipment
Your rep builds the proposal around the site, the wash format and the volume the operator is planning for.
2
Present Financing
Introduce payment options early. For tunnel builds over $350,000, start the full credit package alongside the quote.
3
Customer Applies
The operator completes the branded application from a phone or desktop, with financials for larger projects.
4
FPG Structures the Deal
We underwrite the opportunity and determine the best available structure.
5
Documents & Funding
FPG handles documents and funds the seller once installation is complete.
6
Sell the Next Site
Your reps stay focused on operators, conversions and the next opportunity.
The goal: make financing part of the sales motion without turning your sales team into a finance department.
Program Capabilities
Everything your team needs to use financing as a sales tool
FPG builds the program around your sales process and supports the tools, training and marketing needed to make financing easy to introduce — in the quote, at a trade show or during a site visit.
Custom Program Design
A financing structure built around how you sell.
You getA program that supports your margin and close rate
Your reps getSimple guidance for when and how to introduce financing
Co-Branded Financing Assets
Marketing support that helps make financing visible before the objection.
You getAccess to our CMO for special co-branded marketing campaigns and financing content
Your reps getReady-to-use assets that make financing easier to introduce and promote
Sales & Quote Tools
Make monthly-payment selling easier for your team.
You getTools that support payment-based selling without building technology internally
Your reps getA simple way to move from project cost to a financing conversation
Ongoing Enablement
A dedicated finance team that stays engaged after launch.
You getVisibility and support across active financing opportunities
Your reps getSomeone to call when a live deal needs help
Payment-Based Selling
Help customers evaluate the payment, not just the project cost.
Operators think in cars per day and monthly memberships. A monthly payment puts the equipment in those same terms, so the conversation shifts from total project cost to what the wash needs to bring in each month.
| Equipment Investment | 36 Months | 48 Months | 60 Months | 72 Months |
|---|---|---|---|---|
| $150,000Example: in-bay automatic with dryer and pay station | $4,736 | $3,697 | $3,078 | $2,667 |
| $400,000Example: tunnel equipment refresh or express conversion package | $12,628 | $9,860 | $8,208 | $7,112 |
| $900,000Example: full express tunnel package with reclaim, dryers, pay stations and vacuums | $28,413 | $22,185 | $18,468 | $16,002 |
Illustrative estimates only. Rates, terms and structures are subject to credit approval and may vary.
Car Wash Equipment Financing FAQ
Questions equipment sellers ask
Why should our sales team introduce financing before a customer raises a cash flow objection?
Introducing financing earlier gives the operator more ways to evaluate the purchase. Instead of discussing only project cost, your rep can frame the decision around a monthly payment and compare it against the car counts and memberships the site is planning for.
Our tunnel packages are often over $350,000. How should we approach financing?
Application-only financing is available up to $350,000, subject to credit approval. For tunnel builds and other projects above that, lead with a full credit package from the start, including the operator's financial information and the project scope, so underwriting can review the complete deal without slowing the build. Your FPG team will confirm exactly what is needed for each transaction.
Can the conveyor, dryers, reclaim, pay stations and vacuums be financed in one transaction?
Yes. A package spanning the tunnel, equipment room, water reclaim, pay stations and vacuums can be structured as a single transaction rather than separate paperwork for each quote, which also keeps projects from being cut down one line item at a time.
Can installation and freight be included in the financing?
Yes. Installation, freight and related equipment-room work can be included alongside the equipment. Amounts and structure are subject to credit approval.
Can payments be structured around a new site's opening or seasonal volume?
Yes. Deferred, step and seasonal structures can align payments with installation and opening, a new site's ramp in volume and memberships, or an operator's busy and slow months. Availability depends on the transaction and credit approval.
Can FPG help growing operators and newer wash owners?
Often, yes. FPG is a direct lender with in-house underwriting and access to 25+ strategic funding partners, so A, B and C credit profiles can be placed. A thinner profile usually means a shorter term or a down payment rather than a decline.
Do you finance used or refurbished car wash equipment?
Yes. FPG finances new and qualifying used or refurbished car wash equipment. Age, condition and resale value typically affect the term rather than eligibility.
How fast are decisions?
Most credit decisions come back in two to four hours. Full tunnel packages, larger projects, unusual structures or more complex credit situations can require additional review.
What happens when a deal does not fit FPG's direct-lending box?
FPG also works with 25+ strategic funding partners. That gives the team additional ways to structure qualifying transactions without forcing the seller to manage separate lender relationships.
When does the seller get paid?
FPG funds your company in full once installation is complete. The purchaser pays FPG based on the agreed terms. You receive payment, and FPG manages the financing from there.
Vendor Partner Result
Financing support that helps create more sales opportunities
30%reported increase in pipeline
“FPG has been instrumental in driving opportunities in our pipeline. Their strategic insights and tailored solutions increased our pipeline by 30%.”— FPG Client | Vendor Partner
The value is not just access to capital. It is giving the sales team another tool to keep an opportunity moving when price, payment structure or credit flexibility could otherwise slow the deal down.
All financing is subject to credit approval. Terms and structures vary based on the customer and transaction. Payment examples shown on this page are illustrative and are not an offer or commitment to lend.