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Commercial Equipment Financing Programs

We offer structured financing solutions designed to support businesses seeking to acquire car wash equipment efficiently and cost‑effectively. Our programs are tailored to accommodate a wide range of operational needs, transaction sizes, and credit profiles.

Equipment Financing & Leasing
Available for both new and used commercial equipment, inclusive of hard and soft costs.

Deferred Payment Programs
Eligible applicants may qualify for payment deferrals of up to six (6) months, subject to credit approval.

Competitive Interest Rates
Pricing begins as low as 6%, based on creditworthiness and overall transaction structure.

Expedited Credit Decisions
Streamlined underwriting processes enable fast approvals and prompt funding.

Large Transaction Capacity
Financing available for projects up to $15 million, covering new or used equipment acquisitions.

Simplified Application Process
Application‑only programs available for transactions up to $500,000.

Low Initial Capital Requirement
Up to 100% financing available for qualified borrowers, including zero‑down structures.

Working Capital Solutions
Supplemental working capital may be provided to assist with initial costs or required equity contributions.

Broad Credit Coverage
Programs available for a wide spectrum of credit profiles.

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Payment Calculator - Updated - Oasis Carwash

Lease and Loan Structures

We offer a range of structured lease and loan options designed to align with varying accounting preferences, cash‑flow requirements, and ownership objectives.

Operating Lease (True Lease / Fair Market Value Lease)

An Operating Lease, also referred to as a Fair Market Value (FMV) Lease, allows lease payments to be treated as operating expenses for accounting purposes. At the end of the lease term, clients may choose to renew the lease, upgrade the equipment, purchase the equipment at its then‑current fair market value, or return the equipment.

Capital Lease

A Capital Lease is structured for ownership at the conclusion of the lease term. This option provides a defined purchase provision, allowing the equipment to be acquired for a nominal amount—typically $1 or $101, subject to applicable state tax and regulatory requirements.

Equipment Finance Agreement (EFA)

An Equipment Finance Agreement is a straightforward installment loan that enables the purchase of equipment while spreading costs over a fixed term. Financing may include equipment, freight, installation, warranties, taxes, and related soft costs. Upon completion of payments, ownership transfers fully to the borrower.

Deferred Payment Programs

Deferred Payment options of 90 or 180 days may be available, allowing businesses to establish operating cash flow prior to commencing monthly payment obligations. All deferred programs are subject to credit approval and underwriting criteria.

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Business Start Date*
Physical Address
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Please Note:

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Owner Information

Legal Name of Owner (as it appears on driver's license)
Home Address
Date of Birth

Co-Owner Information

Name of Co-Owner (if applicable)
Home Address
Date of Birth

Financing Details

Consent * (Required)

The undersigned represents that this application is for credit for business purposes only and all information provided with this Application is true and correct, and hereby authorizes RidgeStone Capital and its designee, assigns or potential assigns and its and their affiliates or any lending source to whom this application is submitted (collectively, "Creditors") to obtain from credit bureaus and other third parties, and share, information any of them deems necessary to arrive at a decision regarding this Application, including credit and criminal background checks. By signing below, the applicant and undersigned individual(s) as principal of and/or guarantor for the applicant, authorizes all such Creditors to review and share its/his/her personal credit profile provided by a national credit bureau in considering this Application and for the purpose of update, renewal, or extension of credit to the Applicant or the collection of any resultant accounts. Additionally, this authorization permits Creditors to share and exchange information and to request, obtain and review bank, financial or other information from past, present or potential Creditors. I authorize all deposit, borrowing, financial and trade information to be released by telephone or fax. A photocopy or fax of this authorization shall be valid as the original. To help fight terrorism and money laundering, Federal Law requires banks to verify the information you provide, which may include driver's license or other documents, to identify you. Adverse Action/ECOA. If this application for business credit is denied, you have a right to a written statement of the specific reasons for the denial. To obtain the statement, please contact our customer service department at RidgeStone Capital within 60 days from the date you are notified of our decision. Our mailing address is 18565 Jamboree Road, Suite 275, Irvine, CA 92612. We will send you a written statement of reasons for denial within 30 days of receiving your request for the statement. The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, gender, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning us is Federal Trade Commission, Equal Credit Opportunity, Washington DC 20580.

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