Franchise funding
For owners of open Ziebart stores selling appearance and protection services: detailing, film, tint, bedliners, rust protection and accessories.
✓ 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
Running a Ziebart store and need capital? Merchant Fund Express funds existing Ziebart owners with equipment financing, working capital, lines of credit, business loans, merchant cash advances and revenue-based financing, $25,000 to $5,000,000. We read retail and dealer deposits and size payments after weekly royalty and marketing drafts, film and product purchases and existing positions. A complete file gets a same-day decision, and funding often follows the next business day.
Owners of open Ziebart stores with business deposits. Ziebart is an appearance and protection franchise rather than a mechanical shop: the service list covers detailing, paint correction, paint protection film, window tint, spray-on bed liners, rust protection, undercoating, auto glass and truck accessories. That means skilled installers, clean bays, film plotters and spray rigs, and a steady stream of film, coatings and accessory inventory. Many stores also do work for car dealers, which pays on invoice rather than at the counter.
Read alongside the automotive franchise funding sector guide; the car wash industry page covers similar appearance-service economics.
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 Ziebart location and need capital? Merchant Fund Express funds existing franchise owners with every product below. Terms depend on the business's revenue and history.
Paint protection film, tint and bedliner material are costly per roll or drum and must be on the shelf before the customer books. A line of credit fits the cycle.
New-car dealers send steady volume but pay on terms, so payroll for installers comes due before the money arrives. Invoice factoring turns those invoices into cash.
Film and tint installers take time to train. Keeping them through a slow winter month is a payroll decision; working capital or revenue-based financing covers the gap.
| Need | Product | Published requirement it leans on | What to send |
|---|---|---|---|
| Film plotter or bedliner spray rig | Equipment financing | Vendor quote, useful life | Quote, 3 months of statements |
| Film, tint and accessory stock | Line of credit | Tier 1: 3+ years, FICO 650+, 8+ deposits a month | Statements, supplier invoices |
| Dealer invoices on terms | Invoice factoring | Invoices to business customers | Aging report, invoices |
| Installer payroll in a slow month | Working capital | Tier 2: 6+ months, FICO 600+, $60K verifiable revenue | Statements, payroll register |
| Bay remodel or film room | Business loan | Tier 1, applicant owns at least 50% | Contractor bid, statements |
Full financials are requested only above $250,000. Merchant Fund Express offers Spanish-speaking support.
Imagine a store depositing $105,000 a month. Film, coatings and accessory purchases run $34,000, payroll $31,000, weekly franchisor drafts total $10,500 a month, rent $7,500 and existing payments $3,000. The owner wants a new film plotter and bedliner rig 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 store that has not opened has no deposits for us to read, so it needs an operating history before Merchant Fund Express can review it; see buying a franchise. Owners adding a store are read on current deposits; see second location funding. Buying an open store from another owner follows franchise transfer financing.
Yes. Equipment financing is reviewed against a vendor quote and the equipment's useful life.
Dealer receipts count as deposits. If invoices are slow, invoice factoring can advance against them.
We look at several months of deposits, so a seasonal dip is seen next to strong months. Revenue-based financing moves with sales.
Yes. A merchant cash advance is repaid from card sales and is reviewed on revenue, time in business and bank activity, not just credit score.
No. Merchant Fund Express is independent. We use the Ziebart 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 Ziebart 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.
