Auto repair shops, body shops, used-car dealers and parts wholesalers run on tight margins and lumpy cash flow. Merchant Fund Express funds the automotive aftermarket fast, with honest terms and a real human reviewing every file.
Finance scan tools, alignment racks, A/C machines, lifts, tire changers, balancers — usually with the equipment itself as collateral.
For independent dealers — short-term working capital to buy a few vehicles when a floor plan line is tight or unavailable.
Big-ticket body-shop equipment financed over up to 60 months.
Lock in a wholesale buy from a parts distributor when margins justify it; repay as you sell-through.
Auto shops feel January and August. A short-term advance covers payroll while you wait for the next surge.
Body shops waiting on insurance payments can factor those invoices and stop running on the owner's personal credit card.
| Product | When it fits |
|---|---|
| Working Capital Loan | Fixed payments up to 24 months. Best for predictable use of funds. |
| Equipment Financing | Up to 60 months on the equipment. New or used. |
| Merchant Cash Advance | Sale of future receivables — paid back as a percentage of card sales. Use the MCA calculator to see the true cost before signing. |
| Revenue-Based Financing | Fixed daily or weekly ACH instead of card splits. Often cleaner than an MCA. |
| Invoice Factoring | Best for body shops carrying insurance receivables — get paid in days, not months. |
We require at least 6 months in business and $15,000+/month in revenue. New shops below that threshold should come back once revenue is established.
Yes — we finance both new and used automotive equipment as long as we can verify the asset and value.
Our financing is separate from floor-plan lines. If you have a Manheim or NextGear line, our loan does not interfere with it, though it does count toward your overall debt profile.
Almost always, yes. Credit card cash advances often carry effective APRs above 100% with no transparency. Our terms are disclosed in writing before you sign.
Decisions in 2-4 hours, same-day funding possible. Equipment-secured deals take one extra day to verify the asset.