Franchise funding
For owners of open tire and service stores: seasonal tire stock, alignment and balance equipment, and a multi-bay shop floor.
✓ 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
Merchant Fund Express funds existing Big O Tires 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. A tire store carries more inventory than most repair shops, so we read deposits next to the supplier drafts for tire stock and the royalty and marketing debits before sizing anything. A complete file gets a same-day decision, and funding often lands the next business day.
Owners of open Big O Tires stores, whether the store was built ground-up or converted from an existing business. The franchisor describes multi-bay stores selling tires, brakes, alignments, oil changes and repair, supplied through its parent company's distribution network. A Big O store is part tire retailer, part service shop: inventory sits on racks before it sells.
See the automotive franchise funding sector guide for how we read auto service franchises, and our auto repair industry page for the general repair cash cycle.
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 a Big O Tires location and need capital? Merchant Fund Express funds existing franchise owners with every product below. Terms depend on the business's revenue and history.
Tire demand jumps with the first cold snap, and the store with sizes on hand gets the sale. See auto repair inventory funding.
Every tire job runs through a changer and a balancer, and many end with an alignment. When one fails, the tire line stalls. See alignment machine financing.
Between peaks, service work carries the store while payroll stays the same; see auto repair slow-season funding.
| Need | Product | Published requirement it leans on | What to send |
|---|---|---|---|
| Pre-season tire inventory | Line of credit | Tier 1: 3+ years, FICO 650+, NSFs max 6/month | Statements, supplier order |
| Alignment rack, tire changer, balancer | Equipment financing | Vendor quote and useful life | Quote, 3 months of statements |
| Payroll through a slow month | Working capital | Tier 2: 6+ months, FICO 600+, $60K verifiable revenue | Statements, payroll register |
| Seasonal swings in deposits | Revenue-based financing | Tier 2: minimum daily balance $800, up to 2 current advances | Statements for 3 months |
| Commercial and fleet accounts on terms | Invoice factoring | Invoices to business customers | Aging report, invoices |
Merchant Fund Express offers Spanish-speaking support, and sole proprietors are eligible.
Suppose a store deposits $150,000 a month: tire and parts drafts $72,000, payroll $33,000, royalty and marketing $7,500, rent $9,000, existing payments $3,500. The owner wants a $36,000 pre-season tire order on a line repaid over 6 months.
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 store that is not open yet, including a conversion that has not operated under the brand, needs deposit history before Merchant Fund Express can review it; see opening an auto repair shop franchise. Buying an operating store from another franchisee follows franchise transfer financing. Existing owners adding a store are read on current deposits; see funding a second location.
Yes. A line of credit or working capital covers tire stock bought ahead of the season.
No. We read about three months of deposits and expect a tire store to move with the seasons.
Yes. Equipment financing is reviewed against a vendor quote and the equipment's useful life. Alignment racks and lifts suit longer terms.
Each store or entity is read on its own deposits and obligations. Terms depend on each store's revenue and history.
No. Merchant Fund Express is independent. We use the Big O Tires 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 Big O Tires 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.
