Working capital for auto repair shops, funded in 24-48 hours.
From a new lift to a big parts order or a slow-pay fleet account, get the cash your shop needs based on revenue, not your credit score.
- Approval based on revenue, not just credit
- No collateral, no application fees
- Repayment that flexes with your sales
- A funding partner walks you through your options
See your funding options
5-minute pre-qualify · no obligation · won’t affect your credit
$25k–$500k
Typical advance range for repair shops
Finder, not a lender
We match your request with funding partners — they decide terms
No obligation
Compare offers before you decide — nothing is required
3 months
Bank statements — that's typically all you need
How it works
Funding in three simple steps
Tell us about your shop
A few quick questions — number of bays, monthly revenue, time in business, and your funding goal. No paperwork to start, and checking your options won't affect your credit score.
A funding partner reviews your numbers
If your request fits a funding partner's program, we send it to that partner, who walks you through any options. To finalize, most funders ask for your last 3 months of business bank statements — the same records that show your shop's real deposit history.
Funds arrive, repayment moves with your revenue
If a funding partner extends an offer, they'll walk you through the amount, timeline, and terms directly — we don't set or promise any of those. Many MCA structures are repaid as a share of your ongoing card sales or a fixed daily/weekly debit, so slower weeks in January can cost you proportionally less than a busy spring rush.
Why business owners choose revenue-based funding
Approval driven by deposits, not just your credit score
Funders underwrite on your shop's actual bank deposits and card volume rather than credit score alone. Approval odds and any minimum credit threshold are set by each funding partner, not by us — a funding partner can give you a realistic read once they see your deposits.
Bridge the gap between work done and payment received
Insurance reimbursements and fleet NET-30/60 invoices can leave a shop cash-short for weeks after the car leaves. Revenue-based funding lets you cover parts, payroll, and overhead now — before the check clears.
Fund parts and equipment before billing starts
A lift, an ADAS calibration rack, a scan tool, or a bulk parts order often has to be paid up front. An advance lets you stock the shop or add a bay without waiting for a traditional lender's timeline.
Repayment that flexes with your slow season
Winter bay slowdowns are real. Revenue-based repayment automatically takes less when card volume is down — unlike a fixed monthly loan payment that doesn't care how cold January got.
Common questions
Can I qualify with a credit score in the 500s?
Possibly. Because a merchant cash advance is repaid from your ongoing revenue rather than against collateral, funders place heavy weight on your bank deposits and card sales volume alongside credit score. Minimum credit thresholds and approval decisions are set by each funding partner, not by us. Checking your options here is a soft inquiry and will not affect your score.
How quickly can my shop get funded?
After you submit the short pre-qualify form, you get a confirmation email, and if we need your bank statements first, we email you a secure upload link. We're a referral service, not a lender — if your request fits a funding partner's program, that partner will tell you its own decision and funding timeline directly.
What does this type of financing actually cost?
A merchant cash advance uses a factor rate rather than an interest rate. A factor rate of 1.30, for example, means a $50,000 advance would require $65,000 in total repayment — the $15,000 difference is the cost of capital. That total is repaid as a percentage of your daily or weekly card sales, so the calendar time to pay off depends on how busy the shop is. Ask the funder to show you the full repayment figure before you sign anything.
Does bad credit disqualify my shop?
Not automatically. Funders in this space are primarily underwriting your shop's revenue stream, not your personal credit file. A history of steady deposits — from retail repair tickets, fleet billing, or commercial accounts — often carries more weight than a FICO score. That said, very recent bankruptcies or open judgments may affect options, and the funding partner can tell you what applies to your situation.
My shop does fleet and commercial work on NET-30 or NET-60 terms. Does that help?
Yes, and it's worth mentioning when you apply. Fleet and commercial receivables on NET-30/60 terms mean money you've already earned is sitting in accounts receivable. Some funders consider that AR as part of the overall picture; others focus strictly on card volume and bank deposits. Either way, having established fleet or commercial accounts is a positive signal for your shop's revenue stability.
What documents will I need to finalize an offer?
To start the process, just the short online form — no documents required. To finalize, most funders ask for your three most recent business bank statements and a form of ID. Shops that do a mix of cash, card, and fleet invoicing should pull statements that reflect total deposits. The funding partner will tell you exactly what applies to your application.
Prefer to compare other lenders?
The form above is the fastest way to see your options — it reaches a funding partner directly. If you would rather shop around first, these independent lenders serve the same kind of business.
Bizcap
Same-day business funding for 1+ year old businesses with $20K+ monthly revenue
- Conditional offer with no obligation to accept
- Approval quoted within 3 hours, same-day funding possible
- Considers businesses with poor credit or existing financing
These are independent lenders, not part of ShopFundFast. We may be paid a referral fee if you apply or are funded through one of these links, at no cost to you. Being listed here is not a recommendation, an offer of credit, or a guarantee of approval — terms, rates and eligibility are set entirely by the lender.
Ready to see what your business qualifies for?
It takes about five minutes, there’s no cost or obligation, and checking won’t affect your credit score.
Start my free pre-qualification →ShopFundFast is a marketing and lead-referral service for business owners seeking commercial financing — not a lender or financial advisor. We connect you with third-party funding partners who independently review your information; we do not make credit decisions or guarantee funding. We may receive compensation from funding partners we refer you to. All financing is for business purposes only. Rates, fees, amounts, and terms vary by partner and your business profile, and any offer is subject to the partner's underwriting. Submitting a request places you under no obligation.