# Big O Tires Franchise Funding for Existing Owners

> Funding for existing Big O Tires owners: tire inventory before the season, alignment and tire machines, bay lifts and technician payroll, read from deposits.

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

## The short answer

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.

## Who is this page for?

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.

## What the franchisor publishes

Big O Tires: facts from official sources
Franchisor: Big O Tires, LLC (Palm Beach Gardens, Florida) (source)
Parent company: TBC Corporation (source)
Liquid assets / net worth asked of new franchisees: $100,000 / $300,000 (source)
Locations: more than 460 franchised locations in 24 states (as stated by the franchisor, no date given) (source)
Published formats: Built ground-up or converted from an existing business (source)
US franchising status: Actively franchising in the US (not available in all states) (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 Big O Tires location

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.
Franchise business loan: A term loan for a planned upgrade such as added bays or a showroom refresh.
Merchant cash advance: Fast capital repaid from card sales when a tire buy must land before demand peaks.
Revenue-based financing: Payments that rise and fall with weather-driven tire sales.
Business line of credit: A revolving line for tire stock and parts, drawn ahead of the season and repaid as tires leave the rack.
Equipment financing: Alignment racks, tire changers, wheel balancers and lifts financed against a vendor quote and useful life.
Working capital: Covers payroll and rent while a large tire order turns into sales.

## Which problems do Big O Tires owners bring to a funding review?

Stocking tires before the season turns
Tire demand jumps with the first cold snap, and the store with sizes on hand gets the sale. See auto repair inventory funding.
Alignment and tire machines take a beating
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.
Slow weeks between tire seasons
Between peaks, service work carries the store while payroll stays the same; see auto repair slow-season funding.

## Which product fits which Big O Tires need?

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 |

## How does the review read a Big O Tires store?

Entity: the company that holds the franchise and the store's bank account.
Deposit pattern: daily card settlements that climb in tire season, plus checks or ACH from commercial accounts. We read three months of totals and deposit counts.
Royalty and marketing debits: read as recurring obligations, with payment capacity sized after them.
Tire supplier drafts: large and frequent, read as cost of goods; a pre-season buy shows up as a spike.
Existing positions: current leases and advances are counted. A new structure can sometimes lower the combined payment; see existing positions.

## What documents does a Big O Tires funding review need?

About 3 months of business bank statements (PDFs from the bank) for each store entity
The five-minute application, which opens with a soft credit pull
A vendor quote for alignment, tire or lift equipment, or the supplier order for an inventory buy
A short list of current leases, loans and advances with payment amounts
Full financials only for requests above $250,000
Merchant Fund Express offers Spanish-speaking support, and sole proprietors are eligible.

## A hypothetical Big O Tires budget scenario

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.
Monthly deposits$150,000
Less supplies, payroll, royalty/marketing, rent, payments$150,000 - $72,000 - $33,000 - $7,500 - $9,000 - $3,500 = $25,000
$36,000 repaid over 6 months$6,000/month in principal before cost of funds
Share of what remains$6,000 / $25,000 = 24%, for six months only
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 a Big O Tires instead?

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.

## Keep reading

Automotive franchise funding: how auto service franchises are reviewed
Franchise brands we cover: every brand page in this guide
Franchise seasonal cash flow: bridging the months between peaks
Franchise line of credit: revolving capital for inventory
Auto repair inventory funding: parts and tires bought ahead of sales

## Common questions

### Can I fund a tire inventory buy for my Big O Tires store?

Yes. A line of credit or working capital covers tire stock bought ahead of the season.

### Do seasonal swings in tire sales hurt a Big O review?

No. We read about three months of deposits and expect a tire store to move with the seasons.

### Can I finance alignment and tire equipment?

Yes. Equipment financing is reviewed against a vendor quote and the equipment's useful life. Alignment racks and lifts suit longer terms.

### I own several Big O Tires stores. How is that read?

Each store or entity is read on its own deposits and obligations. Terms depend on each store's revenue and history.

### Are you affiliated with Big O Tires?

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.

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