Funding tied to the card sales your bays already bring in. A 5-minute application, about three months of bank statements, and no tax returns.
See My OfferAuto Repair Merchant Cash Advance
Busy weeks pay down more, slow weeks pay down less. We review your deposits, not a pile of paperwork, so your shop gets an answer quickly.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
A 5-minute application and about three months of bank statements. No tax returns. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered. We start with a soft pull and focus on how steady your shop's deposits are.
You see the full repayment amount before you accept, and no surprise costs show up after you sign.
Your offer lays out how and when remittances are collected, so you can plan around them.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
A merchant cash advance gives your shop a lump sum now in exchange for a share of future card sales. Instead of a fixed monthly bill that ignores how the bays are running, repayment is tied to the sales coming through your terminal. A heavy week of brake jobs and diagnostics pays down more. A quiet week pays down less.
That structure tends to suit independent shops, because revenue in this trade is lumpy. One transmission job can make a week, and a stretch of rain or a holiday can empty the lot.
If you are weighing this against a revolving option, our line of credit vs. merchant cash advance comparison for auto repair walks through the tradeoffs.
We care most about how money moves through your business account. About three months of business bank statements show us your card deposits, your slow days and your existing obligations. There are no tax returns required, and we start with a soft credit pull, so checking your options does not hurt your score.
FICO 500+ is considered. Sole proprietors can apply. The shops that fit best are established businesses with steady deposits, whether that is a two-bay operation or a multi-location service center.
Your offer shows the full repayment amount before you accept. No surprise costs get added after you sign, and the way remittances are collected is spelled out up front. Read it next to your own numbers: what the money will earn the shop and how the remittance fits your average week.
Ready to see what your deposits support? Start the 5-minute application. Funding can arrive in as little as 24 hours for qualified businesses.
A merchant cash advance is built around card and deposit activity, so shops that take most payments by card are a natural fit. If many customers pay by check or ACH, a working capital product may suit you better, and we can look at both.
Funding ranges from $25,000 to $5,000,000. Where you land depends mainly on your monthly deposits and the obligations you already carry.
We start with a soft credit pull, so looking at your options does not affect your score.
Yes. Sole proprietors can apply. We look at the business bank account and how steady the deposits are.
Decisions move quickly, and funding can arrive in as little as 24 hours for qualified businesses once your statements are in.
Example uses for illustration only.
A few habits make a repair shop's file easier to review.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding