Franchise funding
For owners of open transmission and total car care centers: big-ticket repair orders, parts bought up front, and technicians who rebuild units by hand.
✓ Merchant Fund Express starts with a soft credit pull. Terms depend on your location's revenue and history.
Updated October 21, 2026 · Merchant Fund Express
Already running an AAMCO center and need capital? Merchant Fund Express funds existing AAMCO owners with business loans, merchant cash advances, revenue-based financing, lines of credit, equipment financing and working capital, from $25,000 to $5,000,000. We read the center's own deposits, then count the royalty draft, parts supplier payments and any lease or advance already on the account before sizing a payment. A complete file gets a same-day decision, and funding often follows the next business day.
Owners of AAMCO centers that are open, staffed and depositing into a business bank account. AAMCO leads with transmission and total car care, so a center earns much of its revenue from fewer, larger tickets: a rebuilt or replacement transmission, a clutch, a drivetrain job. A rebuild ties up a bay and a technician for days, and the parts are paid for before the car leaves.
This page sits under the automotive franchise funding sector guide. For the general shop cash cycle, see our auto repair industry page.
Checked Oct 2026 against official sources: the franchisor's own franchising site, its FDD or SEC filings, or the SBA Franchise Directory. Figures change; confirm current numbers in the latest Franchise Disclosure Document. Figures we could not confirm from an official source are left out.
Already running an AAMCO location and need capital? Merchant Fund Express funds existing franchise owners with every product below. Terms depend on the business's revenue and history.
Kits, torque converters and remanufactured units are bought when the job starts; the customer pays at the end. See auto repair inventory funding.
Electronically controlled transmissions need current scan tools and software. Shorter-life tools fit shorter terms.
Losing a good rebuilder idles a bay. Working capital keeps payroll steady in slower weeks; see auto repair payroll funding.
| Need | Product | Published requirement it leans on | What to send |
|---|---|---|---|
| Parts and remanufactured units for open jobs | Line of credit | Tier 1: 3+ years, FICO 650+, about $25K/month revenue, 8+ deposits a month | Statements, supplier invoices |
| Lift, transmission jack or dynamometer | Equipment financing | Vendor quote and useful life | Quote, 3 months of statements |
| Technician payroll in a slow month | Working capital | Tier 2: 6+ months, FICO 600+, $60K verifiable revenue | Statements, payroll register |
| Uneven weekly deposits from big tickets | Revenue-based financing | Tier 2: minimum daily balance $800, up to 2 current advances | Statements, list of current advances |
| Fleet or commercial accounts paying on terms | Invoice factoring | Invoices to business customers | Aging report, invoices |
Tax returns are not part of a typical first review. Merchant Fund Express accepts ITIN applicants.
Picture a center depositing $92,000 a month: parts $34,000, payroll $26,000, royalty $6,900, rent $6,500 and a lease $1,800. The owner wants a lift and diagnostics quoted at $48,000.
Figures in this example are illustrations of the arithmetic, not an offer, quote or approval. Real terms depend on the file and the funder.
A center that has not opened has no deposits for us to read, so it needs an operating history first; start with buying a franchise. Taking over an open center from another franchisee follows franchise transfer financing. If you already run a center and want another, we read the current center's deposits; see funding a second location.
Yes. Equipment financing is reviewed against a vendor quote and the equipment's useful life.
Not by itself. We read about three months of totals and deposit counts, and revenue-based financing is built for deposits that move.
Yes. A line of credit or working capital covers parts bought before the customer pays at pickup.
Each center or entity is read on its own deposits, royalty and supplier drafts. A request can cover one center or several, and terms depend on each location's revenue and history.
No. Merchant Fund Express is independent. We use the AAMCO name only to identify the owners this page is for; it does not mean the franchisor endorses or works with us.
Merchant Fund Express is independent. Not affiliated with or endorsed by AAMCO or its franchisor. Brand names identify the owner audience only.
Merchant Fund Express reviews your location's revenue, deposits and existing payments. Same-day decision on a complete file; funding often the next business day. About five minutes to apply.
