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Car valeting & car washes · Ireland
Car valeting & car wash
business loans.
Car washes and valeting businesses are equipment-heavy and weather-dependent: the wash system, vacuums and polishers cost real money upfront, takings swing with the weather and the seasons, and most sales come through the card machine. We help Irish car wash and valeting businesses compare asset finance, merchant cash advances and term loans through specialist lenders.
Asset finance for wash and valeting equipment
Spread the cost of the equipment the business runs on instead of paying for it in one go.
- Hire purchase or leasing for suitable new or used equipment
- Rollover and tunnel wash systems, jet washes, vacuums, polishers, steam cleaners and water reclamation systems
- Leasing with no deposit on smaller items, and finance on suitable vehicles from €10,000
- A supplier quote helps us compare the options
- In some cases, loans secured on equipment you already own can work — assessed case by case
Merchant cash advance from 90 days trading
If most of your takings come through the card machine, an advance against future card sales can work from much earlier in the business's life.
- From around 90 days trading
- Card takings of about €5,000 a month or more
- Repayments flex with your card sales — quieter weeks cost less
- Suits weather-dependent businesses where sunny weekends carry the week
- A faster option when a traditional loan isn't available yet
Term loans for fit-out and growth
Fund a new bay, a premises fit-out, a second site or a marketing push and repay on a fixed schedule.
- Unsecured term loans from €5,000 to €500,000
- From 12 months trading with one year’s accounts
- Annual turnover of €100,000 or more and a net profit
- No recent missed payments on bank statements
- Businesses from around 9 months trading with steady deposits (about 8 a month) can look at flexible repayment loans instead
Finance is subject to lender assessment. Unsecured term loans are not registered against property or business assets, but some lenders ask directors for a personal guarantee. Equipment-secured loans are assessed case by case.
Why car wash & valeting businesses come to us
Expensive kit, weather-driven takings
The business runs on equipment that wears out and needs upgrading: wash systems, vacuums, polishers and water reclamation kit all have a working life, and a breakdown in a sunny spell is money lost. Takings depend on the weather and the season, and a second bay or a better location can transform turnover — if the fit-out can be funded. Most sales come through the card machine, which opens up options beyond a traditional loan.
Asset finance spreads the cost of wash and valeting equipment over its working life, a merchant cash advance repays as a share of card sales so quiet weeks cost less, and a term loan funds a new bay, a fit-out or a second site on a fixed schedule.
Coming from a different angle? Our merchant cash advance page explains how card-based advances work, the asset finance page covers equipment funding, and the garages & mechanics page looks at funding across the motor trade more broadly.
Guides for your industry
3 November 2026
Is a Merchant Cash Advance Right for Your Irish Business?
How merchant cash advances work in Ireland: card-sales repayments, costs, eligibility from 90 days trading and the alternatives to compare before applying.
Read guide →
16 October 2026
How to Secure Equipment Finance in Ireland: A Guide
Table of Contents How to Secure Equipment Finance in Ireland: Step-by-Step What You'll Need Before You Apply Types of Equipment Finance Available Equipment Finance Application Requirements Documents Lenders Typically Ask
Read guide →
8 November 2026
How Quickly Can SMEs Borrow Money in Ireland?
A supplier deadline, a replacement vehicle or cash tied up in invoices: find out what speeds up Irish SME finance, what to prepare and how to choose funding that fits.
Read guide →
21 April 2026
Working Capital Finance as Costs Rise for Irish SMEs
How Irish SMEs can manage rising costs and cash-flow gaps: compare working capital finance, understand interest-rate risk and check repayments before borrowing.
Read guide →
Common questions
Can I finance a new wash system or valeting equipment?
Yes. Asset finance spreads the cost of suitable new or used equipment — rollover and tunnel wash systems, jet washes, vacuums, polishers, steam cleaners and water reclamation systems — over its working life, with hire purchase or leasing options. A supplier quote helps us compare the options.
How soon can a newer car wash or valeting business get finance?
A merchant cash advance can work from around 90 days trading with card takings of about €5,000 a month or more. Flexible repayment loans can work from around 9 months with steady deposits, and unsecured term loans typically need 12 months trading with one year's accounts.
My takings swing with the weather — does that count against me?
Not necessarily. Lenders who understand the sector know a wet month followed by a sunny spell is normal. A merchant cash advance repays as a share of card sales, so quieter weeks cost less, and term-loan lenders look at the pattern across the year rather than one slow month.
What do lenders look for?
For unsecured term loans, lenders typically want at least 12 months trading with one year's accounts, turnover of €100,000 or more, a net profit and clean recent bank statements. Limited company, Sole trader, Partnership accounts can all work.
Free to you. Lenders pay us a commission when your loan completes. How we get paid