Franchise funding
For owners of open Meineke Car Care Centers: undercar work, fleet programs, parts from approved suppliers and a winter dip in miles driven.
✓ 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 Meineke 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 Meineke center buys brakes, exhaust and other parts from approved suppliers and pays into the Meineke Advertising Fund, so we read deposits next to those drafts, the royalty and any existing positions. A complete file gets a same-day decision, and funding often follows the next business day.
Owners of open Meineke Car Care Centers, from single-shop owners to multi-shop operators. Parent company Driven Brands describes Meineke as a total car care brand serving retail customers and commercial fleet programs, with work such as brakes, heating and cooling, exhaust and tires. Franchisees buy inventory from approved suppliers and operate within exclusive territories. Driven Brands also notes that undercar demand falls in winter, when miles driven drop.
This page sits under the automotive franchise funding sector guide. For the general shop cash cycle, see auto repair funding.
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 Meineke location and need capital? Merchant Fund Express funds existing franchise owners with every product below. Terms depend on the business's revenue and history.
Commercial fleet customers often pay by invoice weeks after the repair, while parts and labor are paid now. For business receivables, invoice factoring or a line of credit fills the gap.
Brakes, exhaust and suspension work drop when people drive less, but technician payroll and rent do not. See auto repair slow-season funding.
Owners who add shops or refresh older centers need lifts, A/C machines and diagnostics across several locations at once. Equipment financing spreads that over each tool's useful life; see multi-unit franchise funding.
| Need | Product | Published requirement it leans on | What to send |
|---|---|---|---|
| Brakes, exhaust and A/C parts for open jobs | Line of credit | Tier 1: 3+ years, FICO 650+, NSFs max 6/month | Statements, supplier invoices |
| Lift, alignment rack or A/C machine | Equipment financing | Vendor quote and useful life | Quote, 3 months of statements |
| Payroll through the winter dip | Working capital | Tier 2: 6+ months, FICO 600+, $60K verifiable revenue | Statements, payroll register |
| Fleet invoices on terms | Invoice factoring | Invoices to business customers | Aging report, invoices |
| Adding a shop as a multi-shop operator | Business loan | Tier 1: 3+ years, about $25K/month revenue, owner holds 50%+ | Statements for each entity, debt schedule |
Full financials are requested only above $250,000. Merchant Fund Express offers Spanish-speaking support.
Suppose a center deposits $76,000 a month. Parts drafts to approved suppliers run $25,000, payroll $22,000, royalty and advertising fund $6,000, rent $6,800 and existing payments $2,200. The owner wants two lifts and an A/C recovery machine quoted at $42,000.
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 needs an operating history before Merchant Fund Express can review it; see buying a franchise. Taking over an operating center follows franchise transfer financing. Multi-shop operators adding a center are read on the current centers' deposits; see funding a second location.
Yes. Equipment financing is reviewed against a vendor quote and the useful life of each piece. Lifts suit longer terms than scan tools.
Yes, through invoice factoring when the invoices are owed by business customers. A line of credit is another way to carry fleet receivables.
No. We read about three months of deposits and expect undercar seasonality. Revenue-based financing payments move with deposits.
Yes. Each center or entity is read on its own deposits and drafts. Terms depend on each location's revenue and history.
No. Merchant Fund Express is independent. We use the Meineke 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 Meineke 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.
