Franchise funding
For owner-operators of open shops: a weekday-only schedule, a profit-sharing royalty and, usually, an SBA loan already on the books.
✓ 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 Christian Brothers Automotive 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. Shops close on weekends, many carry an SBA loan and the royalty is a profit split, so we read the SBA payment and the split before sizing anything new. A complete file gets a same-day decision, and funding often follows the next business day.
Franchise owners of open Christian Brothers Automotive shops. The franchisor publishes a distinctive model: shops open weekdays only, owners draw a base salary through the business, and the franchisor is paid from a split of bottom-line profit. The franchisor says most of a new shop's investment can be financed with an SBA loan. New franchisees start with one shop; qualified owners can add more.
See the automotive franchise funding sector guide and our auto repair industry page for the shop cash cycle in general.
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 Christian Brothers Automotive location and need capital? Merchant Fund Express funds existing franchise owners with every product below. Terms depend on the business's revenue and history.
Many shops opened with an SBA loan, and changing it takes time. Owners want capital that sits beside it. See funding with an existing SBA loan.
Revenue arrives Monday through Friday; rent, payroll and loan payments run on the calendar.
A full-service shop needs current scan tools, calibration equipment and heavy-duty lifts; see alignment machine financing.
| Need | Product | Published requirement it leans on | What to send |
|---|---|---|---|
| Lifts, alignment or calibration equipment | Equipment financing | Vendor quote and useful life | Quote, 3 months of statements |
| Parts and tires for open repair orders | Line of credit | Tier 1: 3+ years, FICO 650+, applicant owns at least 50% | Statements, supplier invoices |
| Payroll through a slow month | Working capital | Tier 2: 6+ months, FICO 600+, $60K verifiable revenue | Statements, payroll register |
| A project beside the SBA loan | Business loan | Tier 1: 3+ years, about $25K/month revenue, 8+ deposits a month | Statements, SBA loan statement |
| Uneven weeks from a five-day schedule | Revenue-based financing | Tier 2: minimum daily balance $800, up to 2 current advances | Statements for 3 months |
Typical first reviews skip tax returns. Spanish-speaking support is available.
Imagine a shop depositing $210,000 a month. Parts run $70,000, payroll with the owner's salary $68,000, the SBA payment $6,500, rent $14,000, other costs $15,000 and the profit-split draft $16,000. The owner wants calibration equipment and a lift quoted at $54,000.
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 new shop needs an operating record before Merchant Fund Express can review it; see buying a franchise. Taking over an open shop follows franchise transfer financing. Qualified owners adding a shop are read on their current shop's deposits; see funding a second location.
Yes. We read the SBA payment as a senior obligation and size new funding after it.
No. We expect five deposit days a week for this brand and read monthly totals.
We read the actual franchisor drafts over about three months and size payments on what the account shows.
Yes. Equipment financing is reviewed against a vendor quote and useful life.
No. Merchant Fund Express is independent. We use the Christian Brothers Automotive 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 Christian Brothers Automotive 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.
