Merchant Fund Express
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Equipment Repair Funding for Auto Repair Shops

Fix lifts, compressors and diagnostic gear fast so every bay keeps earning. $25,000 to $5,000,000, no tax returns required.

Fix My Equipment

Auto Repair Equipment Funding

Get broken gear repaired before tickets pile up

Every day a lift or scanner is down costs labor hours you cannot bill. Fast funding covers the repair, with the full repayment amount shown before you accept.

As fast as
24 hours

Amount to request

$85,000.00

Funding range$25K to $5M

*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.

Funding that moves as fast as a breakdown

Quick application, minimal documents

Five minutes and about three months of statements. Funding in as little as 24 hours for qualified shops.

Credit is one factor, not all

FICO 500+ is considered, with deposits weighed alongside.

Full cost in writing

Your offer shows the full repayment amount before you accept. No surprise costs after you sign.

Repayment you can plan

The schedule is laid out in the offer up front, so you can weigh it against the bay's output.

Ready to see your numbers?

Fast decisions. Applying takes about 5 minutes.

Apply Now

How it works

Apply in minutes

A short application. A soft credit pull to start.

Fast decision

We review revenue, time in business and bank activity, not just a credit score.

Review your offer

You see the amount, the schedule and the full repayment amount before you sign.

Get funded

Funding in as little as 24 hours for qualified businesses.

A down lift is a down bay

When a two-post lift fails inspection, a compressor dies or an alignment rack needs recalibration, the cost is more than the repair bill. That bay stops producing, tickets back up, and customers drive to the shop down the street. Equipment repair funding covers the fix quickly so the bay earns again.

Typical repair and replacement needs

Repair or replace?

If the fix costs close to what new gear would, replacement may be the better call. In that case, equipment financing or one of our sized options like $50,000 equipment financing may fit. For a fast repair, working capital is often simpler.

How we review an urgent request

We know an outage is urgent. The application takes about 5 minutes, and we ask for roughly three months of business bank statements. No tax returns required. We start with a soft credit pull and consider FICO 500+. Funding from $25,000 to $5,000,000 can arrive in as little as 24 hours for qualified businesses. If you are facing a broader crisis, our auto repair emergency funding page covers more situations.

What downtime actually costs

It is easy to focus on the repair invoice and forget the bigger number: lost labor. When a bay is down, the technician assigned to it either sits idle or squeezes into another bay, slowing everyone down. Cars stack up in the lot, customers call for updates, and some leave for a competitor.

For illustration: if a single bay normally produces several billable jobs a day, even a week without it can cost more than the repair itself. That is why fast funding often makes sense here, even for shops that usually pay cash for equipment. The goal is to shorten the outage, not to finance something you could cover comfortably out of the account. Keep the request matched to the quote and the repayment schedule in line with what the bay earns.

Before you sign

Get a written quote from the repair vendor so you request the right amount. Your offer will show the full repayment amount and schedule before you accept. Compare that against the revenue the bay produces each week. Start your application.

Frequently Asked Questions

Can funding cover repairs instead of new equipment?

Yes. Working capital can pay for repairs, parts and service calls. Equipment financing is usually used for new or replacement gear.

How quickly can I get the bay back online?

Funding can arrive in as little as 24 hours for qualified businesses once your file is complete.

How much should I request?

Use the vendor's written quote plus any related costs, such as downtime coverage. Funding ranges from $25,000 to $5,000,000.

Does my credit score matter?

It is one factor. FICO 500+ is considered, and your deposits and obligations carry weight too.

Can a sole proprietor shop apply?

Yes. Sole proprietors can apply.

Lift repair $25,000.00
ADAS calibration $45,000.00
Compressor rebuild $28,500.00
Paint booth fix $62,000.00

Example uses for illustration only.

How to improve your chances

These steps make equipment repair funding smoother.

  • Get a written repair quote before you apply
  • Keep maintenance records for major shop equipment
  • Run all shop revenue through one bank account
  • Compare repair cost against replacement cost

Repair funding with us vs. a bank

Merchant Fund Express
Traditional bank loans
Speed
As little as 24 hours if qualified
Weeks while the bay sits idle
Documents
About 3 months of statements
Tax returns, appraisals
Credit
FICO 500+ considered
Strong credit expected
Credit check
Soft pull to start
Hard pull typical
Use of funds
Repairs, parts, service calls
Often new assets only

Get every bay back to work

One secure application. A soft credit pull to start. No obligation to accept an offer.

Apply for Funding
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