Franchise funding
For operators of open Grease Monkey centers: what to fund, which product fits, and how a review reads a quick lube and light repair shop.
✓ 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 a Grease Monkey center and need capital? Merchant Fund Express funds existing Grease Monkey 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 card and fleet deposits after the royalty, the advertising contributions and your lubricant and parts drafts are counted. A complete file gets a same-day decision, and funding often follows the next business day.
Owners of open centers with business deposits, whether the center began as a conversion or a new build. Centers go beyond the oil change into brakes, batteries, fluid exchanges and tires, with a full-time manager plus 8 to 10 employees at a normal-size location, per the franchisor. Semi-absentee ownership is allowed, so many owners run the shop through a manager.
See the automotive franchise funding sector guide and 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 a Grease Monkey location and need capital? Merchant Fund Express funds existing franchise owners with every product below. Terms depend on the business's revenue and history.
An idle bay cuts daily car count. Equipment financing on a vendor quote replaces the unit; see auto repair equipment repair funding.
Oil, filters, pads and batteries are paid for ahead of the work, and fleet customers may pay on terms.
Wages are steady while car counts are not; see auto repair payroll funding.
| Need | Product | Published requirement it leans on | What to send |
|---|---|---|---|
| Replace a lift, tire machine or exchange unit | Equipment financing | Vendor quote and useful life | Quote, 3 months of statements |
| Brake, battery and tire inventory | Line of credit | Tier 1: 3+ years, FICO 650+, about $25K/month revenue, 8+ deposits | Statements, supplier invoices |
| Payroll in a slow winter month | Working capital | Tier 2: 6+ months, FICO 600+, $60K verifiable revenue | Statements, payroll register |
| Remodel after a conversion | Business loan | Tier 1 standards, applicant owns at least 50% | Contractor bid, statements |
| Fleet accounts paying on terms | Invoice factoring | Invoices to business customers | Aging report, invoices |
Full financials come in only above $250,000. Merchant Fund Express accepts ITIN applicants.
Picture a converted center depositing $92,000 a month. Oil, filter and parts drafts run $30,000, payroll $27,000, royalty and advertising $9,700, rent $6,500 and existing lease payments $2,400. The owner wants two new lifts and a tire balancer quoted at $58,000.
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 yet needs an operating history before Merchant Fund Express can review it. See opening an auto repair shop franchise. An owner adding a center is read on the current centers' deposits; see second location funding. Taking over an open center follows franchise transfer financing.
Yes. The review reads the center's deposits and the owner's credit; daily presence is not required. Tier 1 products ask that the applicant own at least 50%.
Yes. Equipment financing is reviewed against a vendor quote and the useful life of the unit. Lifts usually suit longer terms than scan tools.
We read several months of deposits, so a slow stretch is seen next to the busy season.
Each center or entity is read on its own deposits, supplier drafts and royalty. A request can cover one center or the whole group.
No. Merchant Fund Express is independent. We use the Grease Monkey 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 Grease Monkey 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.
