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 real advisor — not a call center
See your funding options
5-minute pre-qualify · no obligation · won’t affect your credit
$25k–$500k
Typical advance range for repair shops
24–48 hrs
Common time to funding decision
500s FICO
Owners with lower scores often qualify
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 advisor reviews your numbers
A real advisor looks at your request. If it's a fit, they walk you through your 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
Once approved, funds can reach your account in as little as 24–48 hours. Repayment is structured as a share of your ongoing card sales or a fixed daily/weekly debit — so slower weeks in January 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. Steady monthly revenue — from retail customers, fleet accounts, or DRP work — can carry an application even when personal credit is in the 500s.
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?
Many auto shop owners do. Because a merchant cash advance is repaid from your ongoing revenue — not against collateral or your personal credit — funders place heavy weight on your bank deposits and card sales volume. Owners with FICO scores in the 520–580 range may still qualify when monthly shop revenue is consistent. Checking your options here is a soft inquiry and will not affect your score.
How quickly can my shop get funded?
After submitting the short pre-qualify form, a funding advisor typically reaches out within one business day. Once they have your recent bank statements, decisions commonly come within 24–48 hours, and approved funds can arrive in your account shortly after — often the same day or next business day.
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. Your advisor will 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 your advisor can walk you through 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. Your advisor will tell you exactly what applies to your application.
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, broker of record, 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. 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.