Keep Your Shop Running Strong With Fast Capital From $10K to $2M
Apply Now (305) 384-8391Funded to Auto Shops
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Approval Rate
Running an auto repair shop requires constant investment in equipment, parts inventory, skilled technicians, and facility maintenance. From hydraulic lifts and diagnostic scanners to tire machines and alignment systems, the tools of your trade are expensive, and they need regular replacement and upgrades to keep up with the increasingly complex vehicles on today's roads. At Merchant Fund Express, we provide specialized funding solutions for auto repair shops, collision centers, tire shops, and automotive service businesses of all sizes.
Whether you're an independent mechanic looking to open your first bay, a multi-location auto repair chain expanding operations, or an established shop needing to upgrade equipment to service hybrid and electric vehicles, our funding programs deliver the capital you need with the speed your business demands. We understand the automotive repair industry and have funded thousands of shops across the country.
Auto repair shops face unique capital challenges that most businesses don't encounter. A single piece of diagnostic equipment can cost $15,000-$50,000. A complete shop build-out with lifts, compressors, and specialty tools can run $200,000 or more. And when a critical piece of equipment breaks down, you can't wait 60-90 days for a bank loan — every day that bay sits empty costs you revenue.
The automotive industry is also evolving rapidly. With the rise of hybrid and electric vehicles, advanced driver assistance systems, and increasingly computerized engines, shops must continuously invest in new diagnostic equipment and technician training just to remain competitive. Shops that fall behind on technology lose customers to dealerships and competitors who have invested in staying current.
Traditional banks often don't understand the auto repair business model. They may not properly value your equipment, may not understand seasonal demand patterns, and typically take months to process loan applications. When you need a new lift installed this month or parts inventory for a fleet contract starting next week, you need funding that moves at the speed of your business.
Buy hydraulic lifts, diagnostic scanners, alignment machines, tire changers, paint booths, compressors, and other essential shop equipment. Upgrade to handle hybrid and electric vehicles with specialized tools and safety equipment.
Stock up on commonly needed parts, tires, fluids, and supplies. Take advantage of volume discounts from parts distributors. Ensure you can complete repairs quickly without waiting for parts delivery.
Add new service bays, expand your waiting area, upgrade your facility's appearance, or build out a dedicated area for specialty services like detailing, tinting, or performance modifications.
Launch digital marketing campaigns, build a modern website, invest in local SEO, create loyalty programs, and build your online review presence to attract new customers.
Hire additional ASE-certified technicians, invest in advanced training for existing staff, and offer competitive wages and benefits that reduce turnover in a tight labor market.
Purchase or upgrade tow trucks, service vehicles, and parts delivery vehicles. Expand your towing operation to generate additional revenue and drive repair business.
Get funded in as little as 24 hours. No obligation, no impact to your credit score.
Start Your ApplicationAn independent auto repair shop in Portland with 4 bays saw increasing demand for hybrid and EV service but lacked the specialized equipment. The investment required $95,000 for EV-certified lifts, high-voltage diagnostic tools, safety equipment, and technician certification training. The bank offered a 75-day timeline. MFE provided $95,000 in equipment financing within 48 hours. Within 6 months, EV services accounted for 30% of the shop's revenue, and the owner reports that being one of the few independent EV-capable shops in the area has attracted a new customer demographic.
A collision repair center in Houston had been operating at capacity for 18 months, turning away an estimated $45,000/month in work. A suitable 8,000 sq ft facility became available nearby. The lease deposit, equipment, and build-out costs totaled $310,000. MFE provided $310,000 in working capital within 72 hours. The second location was operational within 2 months, immediately began generating $60,000/month in revenue, and the combined business revenue increased by 55%.
| Feature | Merchant Fund Express | Traditional Banks | SBA Loans |
|---|---|---|---|
| Approval Speed | 24-48 Hours | 30-90 Days | 60-120 Days |
| Min. Credit Score | 500 | 680+ | 650+ |
| Documentation | Minimal (4 mo. statements) | Extensive | Very Extensive |
| Collateral Required | Not Required | Usually Required | Often Required |
| Funding Amount | $10K - $2M | $50K - $5M | $25K - $5M |
| Flexible Repayment | Yes - Multiple Options | Fixed Monthly | Fixed Monthly |
| Industry Expertise | Specialized | General | General |
Finance lifts, diagnostic equipment, alignment systems, paint booths, and other shop equipment with terms up to 72 months. The equipment serves as collateral, making qualification easier and preserving your working capital.
Apply NowQuick access to $10,000-$2,000,000 for any shop expense. Equipment, inventory, marketing, renovations, or payroll — use it however your business needs. Funding in as fast as 24 hours.
Apply NowReceive a lump sum based on your future credit card and debit card sales. Repayment is automatic and adjusts with your daily sales volume. Perfect for shops with strong card transaction volume.
Apply NowMaintain a revolving credit line for parts purchases, unexpected repairs, and ongoing operational needs. Draw what you need, when you need it. Only pay interest on your outstanding balance.
Apply NowBorrow against your shop's future revenue with repayment that scales with your monthly income. Ideal for shops with consistent but variable monthly revenue.
Apply NowIf your shop has outstanding invoices from fleet accounts, insurance companies, or corporate clients, we can advance up to 95% of those invoice values immediately.
Apply NowSpeak with a funding specialist today. No obligation, no impact on your credit score.