Auto repair shops live and die by bay time. If a lift is down or a scan tool is out of date, cars sit and customers go elsewhere. General repair garages, collision centers, transmission specialists, tire shops, detailers and quick-lube locations use a merchant cash advance to keep bays full, technicians paid and parts on the shelf.
Need merchant cash advance funding of $25K to $5M for your auto repair business?
How Auto Repair Shops Use a Merchant Cash Advance
Adding lifts, alignment racks or a paint booth to increase capacity
Buying diagnostic scanners and software for newer and electric vehicles
Stocking tires, filters, brakes and fast-moving parts in bulk
Hiring and training certified technicians
Paying for ADAS calibration equipment and training
Remodeling the waiting area or adding a second shop location
Cash Flow in the Auto Repair Business
Repair shops collect quickly from retail customers but often wait on insurance companies for collision work and on fleet accounts that pay on terms. Parts suppliers want to be paid fast, and good technicians are expensive to keep. A merchant cash advance gives the shop working capital based on future sales so you can take on more jobs. Funders like steady card and cash deposits, and many shops already run a high volume of card transactions, which makes their revenue easy to verify.
How a Merchant Cash Advance Works
A merchant cash advance is a purchase of a portion of your future receivables. A funder provides a lump sum, typically between $25,000 and $5,000,000, and collects an agreed share of your revenue over time, either as a percentage of card sales or as a fixed daily or weekly remittance. Because the funder is buying future revenue, reviews focus on how your business performs, not only on your credit history. Every offer, including the total amount to be remitted, comes from the funder and is spelled out in the agreement before you sign.
A Typical Scenario
Picture a four-bay shop turning away newer vehicles because it cannot calibrate driver-assist cameras after windshield and bumper work. The calibration rig and training cost more than a month of profit. With working capital, the owner adds the capability, captures jobs that used to go to the dealer, and raises the average repair order almost immediately.
What Funders Look At
Funders reviewing a shop usually request recent bank statements, time in business and lease details. Some ask about insurance or fleet relationships. A shop with consistent monthly deposits and a solid local reputation is often a strong candidate, even if the owner's credit has seen some bumps.
Our Process in 3 Steps
Apply online. Complete our short Funding Application and attach recent business bank statements.
Compare offers. We present your auto repair business to funders in our network and walk you through the offers that come back.
Get funded. Once you accept an offer and the funder approves, funding can arrive in as little as 24–48 hours, depending on the funder.
Why Forward Funders
Forward Funders LLC is a broker, not a direct funder. We shop your file to multiple funders so you can compare options side by side instead of applying one at a time. Our team is based in Staten Island, New York, and works with auto repair owners across the country. Call (718) 619-9867 or visit our Apply page to get started.
Frequently Asked Questions
Do collision centers qualify?
Yes. Collision centers that wait on insurance checks often use working capital to cover parts and labor while claims settle.
Can I finance new equipment this way?
A merchant cash advance can be used for lifts, scanners, booths or any business need. The funds are working capital.
What if most customers pay with cards?
That often helps. Card deposits are easy for funders to verify, and some programs use a holdback on card sales.
Can a tire shop or detailer apply?
Yes. Tire shops, detailers and quick-lube businesses are reviewed like other repair businesses.
Do I need to own my shop building?
No. Most shops lease. A secure lease can strengthen your file.
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Forward Funders LLC is a broker, not a funder. Merchant cash advances are purchases of future receivables; approval is not guaranteed and terms come from the funder.
Forward Funders LLC · 6231 Amboy Rd., Staten Island, NY · (718) 619-9867