# AAMCO Franchise Funding for Existing Owners

> Funding for existing AAMCO center owners: transmission rebuild parts, lifts and diagnostic tools, technician payroll and working capital, read from deposits.

Source: https://mfebusinessloans.com/franchise-funding/brands/aamco/ (Merchant Fund Express, updated 2026-10-21)

## The short answer

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.

## Who is this page for?

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.

## What the franchisor publishes

AAMCO: facts from official sources
Initial franchise fee: $45,000 (initial license fee, payable on signing) (source)
Royalty: 7.5% of total gross annual sales (source)
Total initial investment: $276,600 to $407,200 for a new AAMCO center (Item 7 excerpt; FDD year not stated) (source)
Liquid assets / net worth asked of new franchisees: $90,000 / $250,000 (source)
Locations: 525+ franchise locations nationwide (as stated by the franchisor, no date given) (source)
US franchising status: Actively franchising in the US (source)
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.

## Every way to fund your AAMCO location

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.
Franchise business loan: A fixed term loan for a planned project such as a bay or a dynamometer.
Merchant cash advance: Quick capital repaid from card receipts when several rebuilds stack up at once.
Revenue-based financing: Payments that move with deposits as transmission jobs close.
Business line of credit: A draw-and-repay line for parts and remanufactured units bought before the customer pays at pickup.
Equipment financing: Lifts, transmission jacks, flush machines, scan tools and dynamometers financed against a vendor quote and the tool's useful life.
Working capital: Covers technician payroll and rent through a slow stretch so skilled rebuilders stay on the bench.

## Which problems do AAMCO owners bring to a funding review?

Rebuild parts and replacement units paid before pickup
Kits, torque converters and remanufactured units are bought when the job starts; the customer pays at the end. See auto repair inventory funding.
Diagnostic and drivetrain equipment ages out
Electronically controlled transmissions need current scan tools and software. Shorter-life tools fit shorter terms.
Keeping skilled transmission technicians
Losing a good rebuilder idles a bay. Working capital keeps payroll steady in slower weeks; see auto repair payroll funding.

## Which product fits which AAMCO need?

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 |

## How does the review read an AAMCO center?

Entity: the company that holds the franchise and the deposit account.
Deposit pattern: large settlements when big jobs close, mixed with smaller daily tickets. We read monthly totals and deposit counts.
Royalty draft: read as a normal recurring obligation, the way rent is, with capacity sized after it.
Parts and unit suppliers: frequent drafts to parts vendors and remanufacturers are read as cost of goods, not as debt.
Existing positions: equipment leases and any advances are counted. A new structure can sometimes lower the combined payment; see MCA refinance.

## What documents does an AAMCO funding review need?

About 3 months of business bank statements, downloaded from the bank as PDFs, for each center entity
The five-minute application, which starts with a soft credit pull
A vendor quote for any lift, dynamometer or diagnostic equipment
A debt schedule listing current leases, loans and advances with payment amounts
Full financials only if the request is above $250,000
Tax returns are not part of a typical first review. Merchant Fund Express accepts ITIN applicants.

## A hypothetical AAMCO budget scenario

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.
Monthly deposits$92,000
Less parts, payroll, royalty, rent, lease$92,000 - $34,000 - $26,000 - $6,900 - $6,500 - $1,800 = $16,800
$48,000 over 48 monthsabout $1,000/month before cost of funds
Share of what remains$1,000 / $16,800 = about 6.0%
Figures in this example are illustrations of the arithmetic, not an offer, quote or approval. Real terms depend on the file and the funder.

## What if you are buying or opening an AAMCO instead?

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.

## Keep reading

Automotive franchise funding: how auto service franchises are reviewed
Franchise brands we cover: every brand page in this guide
Franchise inventory funding: parts and stock bought ahead of sales
Auto repair payroll funding: keeping technicians paid in slow weeks
Franchise equipment financing: quotes, useful life and terms

## Common questions

### Can I finance a dynamometer or transmission equipment for my AAMCO center?

Yes. Equipment financing is reviewed against a vendor quote and the equipment's useful life.

### My deposits swing with big transmission jobs. Does that hurt the review?

Not by itself. We read about three months of totals and deposit counts, and revenue-based financing is built for deposits that move.

### Can I get funding to buy parts and replacement units ahead of jobs?

Yes. A line of credit or working capital covers parts bought before the customer pays at pickup.

### What if I own more than one AAMCO center?

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.

### Are you affiliated with AAMCO?

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.

Apply with Merchant Fund Express: https://merchantfundexpress.com/current-application.html?utm_source=mfebusinessloans.com&utm_medium=franchise&utm_campaign=franchise-funding&utm_content=aamco