Auto shops are equipment-heavy and parts-hungry: a new lift or diagnostic rig is real money, parts have to be on hand, and a slow stretch can squeeze payroll. Banks move slowly on a business whose value walks out the bay doors. We fund on your sales.
Fast reviews · Clear communication · No misleading promises
An auto shop's capacity is its equipment and its bays, lifts, alignment racks, diagnostic tools, and the parts on the shelf. All of it costs money before it earns money, and a slow season or a big equipment failure can hit hard.
Revenue-based funding looks at your steady ticket flow rather than just collateral. That means you can add a bay, replace a lift, stock parts, or cover payroll through a slow stretch, and repay as the work comes in.
From the smallest operation to a multi-unit group, if you have steady sales, there's likely a path worth exploring.
General auto repair
Collision & paint
Tires & wheels
Oil & quick service
Detail & reconditioning
Drivetrain & specialty
Independent used lots
On-site & roadside
Lifts, racks, and diagnostic equipment
Parts and inventory
Payroll through slow seasons
Shop or bay build-out
Tools and shop vehicles
Software and POS systems
Marketing to fill bays
Buying or expanding a shop
A rough guide by monthly revenue. Actual offers depend on your full profile, these are estimates, not quotes.
Estimates only, not an offer of credit. Approval and amounts are subject to underwriting.
The options businesses like yours reach for most. Not sure which is right? We'll help you compare in one conversation.
A realistic picture of what we look for, and what to have ready so things move quickly.
6+ months in operation
$10k+ in average monthly revenue
An active business bank account
Steady card or invoice sales
U.S.-based auto services business
3–6 months of business bank statements
Card-processing or invoice statements
A government-issued photo ID
Business info (EIN, entity type)
Share your restaurant, monthly sales, and what you need. Five fields, no credit pull at this stage.
We look at recent deposits and card volume to understand what you may qualify for.
See the products that fit your situation side by side, in plain language.
Once you choose a direction, funds for fast options can land in as little as a day.
Main lift failed mid-week
Replacement funded fast, bays back open
Parts costs spiking before payday
Drew to stock parts, repaid on tickets
Adding two bays to the shop
Lower-rate financing for the build-out
Representative scenarios for illustration. Individual results, products, and timing vary.
We fund on revenue, not just collateral
Speed to replace a lift or stock parts
Repair, body, tire, and specialty shops
Straight talk, no guaranteed-approval hype
Repayment that flexes with the work
One conversation to compare every fit
A merchant cash advance is the purchase of future receivables, not a loan, and it is priced with a flat factor rate, not an interest rate. That makes it fast and flexible, but the daily remittance does not pause for a slow week. Here is where owners in your line of work feel it.
Repayment is tied to your day-to-day ticket flow, so a week when the bays are light, a tech is out, or a parts backorder stalls jobs still owes the same daily debit, which can land on the same Friday as payroll.
Big-ticket comeback or warranty work that you redo at no charge still consumes labor hours and parts without adding revenue, so the receivables keep getting purchased while that bay is not earning.
If you take an advance to buy a lift or a diagnostic rig, that equipment pays off slowly over many tickets, while the daily remittance comes out fast, so the cash-out and the cash-back are on very different clocks.
Shops that run a lot of insurance or fleet work can wait on those checks while a daily debit does not wait, so a stack of unpaid invoices can squeeze the cash a percentage remittance is pulling from.
Suppose a shop takes a $30,000 advance at a 1.30 factor to replace a failed lift and restock parts. That purchases $39,000 of future receivables, a flat amount that does not compound. Spread across about 8 months of business days, that works out to roughly $230 per business day, which steady ticket flow covers but a slow stretch between seasons still has to carry. Stated as an APR-equivalent the cost sits well above a bank loan, though that figure is an estimate for comparison only, because an advance uses a factor rate rather than an interest rate and real terms vary by funder and underwriting.
Illustration only, not an offer of credit. A factor rate is a flat multiplier; any APR shown is an APR-equivalent for comparison only. Actual terms vary by funder and underwriting.
“Our main lift went down on a Tuesday. We had a replacement funded and ordered by Wednesday, barely lost a day of work.”
Representative experience. Individual results vary. No outcome is guaranteed.
Still have a question? A specialist can usually answer the same business day.
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