What Coast Commercial Credit does

Coast Commercial Credit is a privately held, specialized commercial lender headquartered in Deltona, Florida, that provides financing solutions primarily to car wash operators and, on a broader basis, to small businesses across vehicle-adjacent verticals including gas stations, convenience stores, lube centers, automotive service providers, dealerships, and franchises. The company's core offering is a multi-product lending platform spanning SBA 7a loans ($300K–$5M), SBA 504 loans (including the 504 GREEN program exceeding $40M), conventional real estate loans with 50–70% loan-to-value, and application-only equipment financing up to $400K with 24–84 month terms. It also offers a white-label "Offer Equipment Financing" portal that allows equipment suppliers to embed Coast's application flow directly into their own sales sites.

The firm operates an asset-light, sales-led origination model with a 1–10 person team, distributing nationally across all 50 states via direct phone, email, website, and the partner portal. Revenue is generated through interest, origination fees, and servicing on business loans, equipment financing, and real estate loans; no revenue figures are publicly disclosed. The firm has positioned itself as the dominant specialized lender in the car wash vertical, claiming it annually finances more than the top 10 SBA car wash lenders combined and hundreds of millions of dollars in car wash loans, supported by longstanding industry expertise dating to the 1980s and affiliations with seven major US car wash associations.

The underlying technology is conventional: no proprietary lending platform, AI, or automated underwriting system is disclosed. Originator relationships and the sales team's deep vertical expertise appear to be the primary sources of competitive advantage, with the company's differentiator being flexible underwriting ("finding ways to say YES") and deep penetration of the car wash owner-operator network rather than technological differentiation.

Name

Coast Commercial Credit

Legal name

Coast Commercial Credit

Website

https://coastcc.com

Company type

Private

Founded year

1980

Operating status

Operating

Headcount range

1–10 employees

Short description

Coast Commercial Credit is a privately held, Deltona, Florida-based specialized commercial lender that primarily finances car wash operators and small businesses across vehicle-adjacent verticals nationwide via SBA, conventional, and equipment loans originated through a sales-led model.

Ownership category

akta.pro rank

Product category

Commercial Lending

NAICS

Nondepository Credit Intermediation (5222), Credit Intermediation and Related Activities (522)

SIC

Short-Term Business Credit Institutions (6153), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB)

akta.pro secondary industries

SBA/Government-Backed & Development Finance Loans (FSAKAGAI), SME Commercial Real Estate (CRE) Lending (FSABABAG)

Keywords

• Commercial lending
• Equipment financing
• SBA loans
• Car wash financing
• Small business loans

Headquarters

HQ city

Deltona

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Commercial Lending and Financing: Coast Commercial Credit generates revenue through interest and fees on business loans, equipment financing, and real estate loans. Revenue is derived from financing packages tailored to meet varying business financial requirements, including Business Loans, Equipment Loans & Leases, SBA Loans, and USDA Business & Industry Loans.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Coast Commercial Credit originates commercial loans and equipment financing for businesses nationwide, with deep specialization in car wash financing since the 1980s. Its product suite includes Business Loans, Equipment Loans & Leases, SBA 7a and 504 Loans, Conventional Real Estate Loans, and USDA Business & Industry Loans, structured as fixed-payment financing with flexible terms, low down payments, and same-day approval options on equipment.

Product overview

Coast Commercial Credit is a business financing company offering a comprehensive suite of financing solutions for businesses across various industries. The product portfolio centers on three core financing programs (Car Wash Finance, Equipment Finance, and Small Business Finance) complemented by multiple loan programs (Conventional Real Estate Loans, SBA 7a Loans, and SBA 504 Loans) that provide specialized financing for real estate, equipment, business acquisitions, and expansions. The company also offers an add-on module called Offer Equipment Financing, which enables equipment suppliers to embed a custom financing portal into their own sales platforms, extending Coast's financing capabilities to equipment buyers through dealer channels.

Differentiator

Problem solved

Functional benefit

Products and services

• Car Wash Finance

Quantifiable outcome

• Finances more than the top 10 SBA car wash lenders combined annually
• +2 more outcomes

Segments9 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Seven partnerships are on record, tiered minor.

• International Carwash Association (ICA)minorOthersIndustry association for the car wash industry. Coast Commercial Credit maintains affiliation with ICA as part of their industry involvement and car wash financing specialization.
• Southwest Carwash Association (SCWA)minorOthersRegional car wash industry association covering the southwestern United States. Coast Commercial Credit maintains affiliation as part of their specialized car wash financing market presence.
• Western Carwash Association (WCA)minorOthersRegional car wash industry association covering the western United States. Coast Commercial Credit maintains membership as part of their car wash industry network.
• Midwest Carwash Association (MCA)minorOthersRegional car wash industry association covering the midwestern United States.
• Heartland Carwash Association (HCA)minorOthersRegional car wash industry association covering the heartland region of the United States.
• Southeast Carwash Association (SECWA)minorOthersRegional car wash industry association covering the southeastern United States.
• National Carwash Competition Review Committee (NRCC)minorOthersNational organization related to car wash competitions and industry standards.

Scale indicators4 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• TimePayment: Equipment financing specialist serving SMBs and equipment vendors through both direct and embedded/white-label channels — directly analogous to Coast's white-label 'Offer Equipment Financing' partner model.
• National Funding: Specialty small business lender focused on equipment financing and working capital for SMBs across verticals — directly comparable to Coast's equipment finance and small business finance product line.
• Stearns Bank: Specialty bank active in SBA lending, equipment finance, and small business credit — a comparable mix of SBA-driven and asset-based commercial lending to Coast's program mix.
• Balboa Capital: Direct small business equipment financing and working capital lender serving a wide range of SMB verticals via a sales-led motion, comparable to Coast's core equipment and small business finance products.
• Currency: Nonbank small business lender offering term loans, lines of credit, and SBA financing to SMBs, with technology-enabled origination that overlaps Coast's core SME lending focus.
• Fora Financial: Direct small business lender offering working capital, equipment financing, and SBA-style funding — overlapping Coast's SMB lending products and target customer profile.
• Live Oak Bank: A major SBA-preferred lender focused on small business lending across vertical niches (veterinary, dental, healthcare, franchise), with a similar sales-led, vertical-specialist origination model that mirrors Coast's car wash niche playbook.

Broad incumbents

• Huntington Equipment Finance: Bank-backed equipment financing arm offering loans and leases to SMBs across industries — a larger institutional alternative for borrowers considering Coast's equipment finance offering.
• Wells Fargo Equipment Finance: Large-bank equipment financing division offering direct equipment loans and leases to SMB and middle-market customers — a broader incumbent alternative to Coast's equipment finance product.
• CIT Group (First Citizens Bank equipment finance): Mid-market equipment finance and commercial lender (now part of First Citizens), competing across the same SBA, equipment, and commercial real estate financing segments as Coast.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/people/Coast-Commercial-Credit/100067332822103
• LinkedInlinkedin.com/company/coast-commercial-credit-llc

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Coast Commercial Credit