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Industry/Tire Shops

Funding to keep the tires in stock.

A tire shop's money is on the racks, hundreds of SKUs across sizes and seasons, bought ahead of demand and turned over fast. Add mounting, balancing, and alignment equipment plus the winter and spring swings, and inventory can swallow your cash. We fund on your sales so the racks are never empty when a customer walks in.

  • Funding in as little as 24 hours
  • Approved on sales, not just credit
  • Independent shops and small chains
  • Built for seasonal stock-ups

Fast reviews · Clear communication · No misleading promises

24hr
Funding in as little as
$10k–$500k
Typical range
6mo+
Time in business
All
Credit profiles considered
The landscape

Why tire shops live and die by inventory.

Tires are a working-capital business in disguise: you carry a wide range of sizes and brands, buy ahead of seasonal demand, and turn the stock over to make your margin, all while mounting, balancing, and alignment equipment ties up more capital. Run low on the popular sizes and you lose the sale to the shop down the road.

Revenue-based funding reads your sales and card volume, so you can stock up before winter, replace an alignment machine, or bridge a slow stretch, and repay as the tires roll out.

Where it goes

What this funding covers most.

Seasonal tire inventory stock-ups

Mounting and balancing equipment

Alignment racks and lifts

Bridging slow months

Wheels and accessory inventory

Shop software and POS

Marketing and promotions

Adding bays or a second shop

Ballpark

What you might qualify for.

A rough guide by monthly revenue. Actual offers depend on your full profile, these are estimates, not quotes.

Monthly revenue
Likely funding range
Common products
$10k – $25k / mo
$5k – $50k
MCA
$25k – $75k / mo
$25k – $150k
MCA / Line of Credit
$75k – $250k / mo
$75k – $500k
Line of Credit / MCA
$250k+ / mo
$250k – $5M
Line of Credit / SBA 7(a)

Estimates only, not an offer of credit. Approval and amounts are subject to underwriting.

The difference

Why banks say no, and what's different here.

What a bank sees
How we work
Inventory is soft collateral
We fund on your sales, not your stock
Seasonal swings raise red flags
Repayment can flex with your receipts
Independent shops too small to bother
Right-sized funding from $10k up
Weeks of underwriting
Reviews start same day; funds in as little as 24h
Best fit

The products that fit best.

The options businesses like yours reach for most. Not sure which is right? We'll help you compare in one conversation.

Eligibility

What it takes to qualify.

A realistic picture of what we look for, and what to have ready so things move quickly.

Typical requirements

6+ months in operation

$10k+ in average monthly sales

An active business bank account

Steady card or ticket revenue

U.S.-based tire business

What to have ready

3–6 months of business bank statements

Card-processing or POS statements

A government-issued photo ID

Basic business info (EIN, entity type)

Process
How it works

From question to funded, fast.

Tell us about the business

Share your restaurant, monthly sales, and what you need. Five fields, no credit pull at this stage.

Quick review of your sales

We look at recent deposits and card volume to understand what you may qualify for.

Compare your real options

See the products that fit your situation side by side, in plain language.

Get funded and move

Once you choose a direction, funds for fast options can land in as little as a day.

In practice

How funding plays out.

Challenge

Winter season needs a big stock-up

Outcome

Funded fast, racks full before the first freeze

Challenge

Alignment machine went down

Outcome

Drew to replace it, repaid as work returned

Challenge

Adding alignment bays

Outcome

Lower-rate financing for the build-out

Representative scenarios for illustration. Individual results, products, and timing vary.

Why us

Why owners work with us.

We fund on sales, not just credit

Speed to stock up before the season

Independent shops and small chains

Straight talk, no guaranteed-approval hype

Repayment that flexes with slow months

One conversation to compare every fit

“We almost ran out of the popular winter sizes right as the cold hit. Funding let us stock up deep and we caught the whole season instead of sending customers elsewhere.”
PG
Pete G.Tire shop · MN

Representative experience. Individual results vary. No outcome is guaranteed.

Questions

Tire Shops funding FAQ.

Still have a question? A specialist can usually answer the same business day.

Start a review
Do you fund independent tire shops?
Yes, independents and small chains are exactly who this is for. We weigh your sales and card volume more than the size of the shop.
Can funding cover a seasonal inventory stock-up?
That's one of the most common uses. An advance or line of credit lets you stock the popular sizes ahead of demand and repay as the tires sell.
Can I finance alignment racks and equipment?
Yes. Equipment is a common use; larger purchases or a build-out can fit SBA 7(a) at lower rates.
What can tire-shop funding be used for?
Tire and wheel inventory, mounting and alignment equipment, software, marketing, payroll, or a build-out. No restriction on use of funds.
How fast can I get funded?
A merchant cash advance can fund in as little as 24 hours once your sales are reviewed, fast enough to stock up before the season turns.
Do you work with full-service and specialty tire shops?
Yes. General tire shops, wheel-and-tire specialists, and service shops all qualify when sales and time in business line up.
Learn more

Guides to help you decide.

Plain-English answers to the questions owners ask before they apply.

Related

More Auto Services funding.

We tailor funding to specific businesses across the industry, explore the others.

Next step

Funding built around your business.

Answer a few quick questions and a specialist will help you understand your real options, no credit pull to start.

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