# Meineke Franchise Funding for Existing Owners and Multi-Shop Operators

> Funding for existing Meineke Car Care Center owners: lifts, brake and exhaust equipment, parts, fleet receivables and technician payroll, read from deposits.

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

## The short answer

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.

## Who is this page for?

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.

## What the franchisor publishes

Meineke: facts from official sources
Franchisor: Meineke Car Care Centers, LLC (Charlotte, North Carolina) (source)
Parent company: Driven Brands Holdings Inc. (Franchise Brands segment) (source)
Total initial investment: $123,121 to $572,411.94 for a leased location (FDD year not stated) (source)
Liquid assets / net worth asked of new franchisees: $500,000+ / $1,000,000+ (source)
Locations: 780 franchised locations (Driven Brands 10-K, as of December 27, 2025) (source)
US franchising status: Actively franchising in the US (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 Meineke location

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.
Franchise business loan: A term loan for a defined project such as adding bays or refreshing the center, read on three or more years of deposits.
Merchant cash advance: Fast capital repaid from card receipts when a lift or brake lathe fails and the bay is down.
Revenue-based financing: Payments that move with deposits, a fit for the winter dip in undercar work.
Business line of credit: A revolving line for brakes, exhaust, tires and A/C parts bought from approved suppliers before jobs close.
Equipment financing: Lifts, alignment racks, A/C recovery machines and scan tools financed against a vendor quote and useful life.
Working capital: Covers technician payroll while fleet program invoices are outstanding.

## Which problems do Meineke owners bring to a funding review?

Fleet program work pays later
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.
Winter slows undercar sales
Brakes, exhaust and suspension work drop when people drive less, but technician payroll and rent do not. See auto repair slow-season funding.
Multi-shop growth and equipment upgrades
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.

## Which product fits which Meineke need?

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 |

## How does the review read a Meineke center?

Entity: the company that holds the franchise and the account; multi-shop operators usually run one entity per center, and each is read on its own.
Deposit pattern: daily card settlements from retail repair, plus ACH from fleet programs that can land in batches.
Royalty and advertising fund drafts: read as recurring obligations, with capacity sized after them.
Approved supplier drafts: frequent parts purchases read as cost of goods, not debt.
Existing positions: leases and advances are counted. A new structure can sometimes lower the combined payment; see MCA refinance.

## What documents does a Meineke funding review need?

About 3 months of business bank statements (PDFs from the bank) for each center entity
The five-minute application, which opens with a soft credit pull
A vendor quote for any lift, alignment or A/C equipment
For fleet receivables: an aging report
A debt schedule listing leases, loans and advances
Full financials are requested only above $250,000. Merchant Fund Express offers Spanish-speaking support.

## A hypothetical Meineke budget scenario

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.
Monthly deposits$76,000
Less parts, payroll, royalty/ad fund, rent, payments$76,000 - $25,000 - $22,000 - $6,000 - $6,800 - $2,200 = $14,000
$42,000 over 60 months$700/month before cost of funds
Share of what remains$700 / $14,000 = 5%
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 Meineke instead?

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.

## Keep reading

Automotive franchise funding: how auto service franchises are reviewed
Franchise brands we cover: every brand page in this guide
Multi-unit franchise funding: funding several centers entity by entity
Franchise working capital: payroll and parts in slow months
Auto repair slow-season funding: covering the winter dip

## Common questions

### Can I finance lifts and A/C equipment for my Meineke center?

Yes. Equipment financing is reviewed against a vendor quote and the useful life of each piece. Lifts suit longer terms than scan tools.

### Can a Meineke owner get funding against fleet program invoices?

Yes, through invoice factoring when the invoices are owed by business customers. A line of credit is another way to carry fleet receivables.

### Winter is slow for my center. Does that hurt the review?

No. We read about three months of deposits and expect undercar seasonality. Revenue-based financing payments move with deposits.

### I am a multi-shop operator. Is each Meineke center reviewed separately?

Yes. Each center or entity is read on its own deposits and drafts. Terms depend on each location's revenue and history.

### Are you affiliated with Meineke?

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.

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