Franchise funding
For owners of open paint and body centers: retail paint jobs, spot repair, fleet work and the booth that runs all of it.
✓ 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 Maaco center and need capital? Merchant Fund Express funds existing Maaco 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, plus invoice factoring for fleet accounts that pay on terms. We read the mix of retail paint and fleet deposits, then count paint and materials drafts, franchisor debits and any existing positions. A complete file gets a same-day decision, and funding often lands the next business day.
Owners of open Maaco centers. The franchisor names three revenue streams: spot repair, retail paint and fleet services. Parent company Driven Brands describes Maaco as serving mainly retail customers and commercial fleet operators at a lower price than most collision centers, often for drivers who would rather not file an insurance claim. So most revenue is paid by the customer or the fleet, and the center runs on booth throughput and a steady flow of paint and materials.
Read this with 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 Maaco location and need capital? Merchant Fund Express funds existing franchise owners with every product below. Terms depend on the business's revenue and history.
Every job passes through the booth, and a failed burner or fan stops the line; see auto repair equipment repair funding.
Commercial fleets pay by invoice, often 30 days or more after delivery, while paint and payroll are spent up front. Invoice factoring turns those invoices into cash sooner.
Paint, clearcoat and prep materials are a large recurring cost, and price increases hit every job. A line of credit lets the owner buy ahead; see inventory funding.
| Need | Product | Published requirement it leans on | What to send |
|---|---|---|---|
| New or rebuilt paint booth | Equipment financing | Vendor quote and useful life | Quote, 3 months of statements |
| Fleet invoices paying on terms | Invoice factoring | Invoices to business customers | Aging report, invoices |
| Paint and materials ahead of jobs | Line of credit | Tier 1: 3+ years, FICO 650+, about $25K/month revenue | Statements, supplier invoices |
| Crew payroll through a slow stretch | Working capital | Tier 2: 6+ months, FICO 600+, $60K verifiable revenue | Statements, payroll register |
| Seasonal swings in retail paint | Revenue-based financing | Tier 2: minimum daily balance $800, up to 2 current advances | Statements for 3 months |
Sole proprietors are eligible, and Merchant Fund Express accepts ITIN applicants.
Consider a center depositing $118,000 a month. Paint and materials run $26,000, crew payroll $44,000, franchisor debits $11,000, rent $9,500 and an existing lease $2,500. The owner wants to replace the paint booth with a unit quoted at $96,000.
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 is not open yet needs an operating history before Merchant Fund Express can review it; see opening an auto repair shop franchise. Buying a center from another franchisee follows franchise transfer financing. An owner adding a center is read on the current center's deposits; see funding a second location.
Yes. Equipment financing is reviewed against a vendor quote and the booth's useful life, which usually supports a longer term.
Yes, if the invoices are owed by business customers. We review the aging report and who owes the money.
No. Card deposits are easy to read. We look at monthly totals, deposit count and average balance over about three months.
Each center or entity is read on its own deposits and obligations. Terms depend on each center's revenue and history.
No. Merchant Fund Express is independent. We use the Maaco 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 Maaco 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.
