Industry Guide
MCA Funders for Auto Repair Shops
Why Auto Repair Shops Take Out MCAs
Equipment upgrades
Lifts, diagnostic scanners, alignment machines, and paint booths are expensive. A shop that needs to upgrade equipment to take on more work or new services can't always wait to save up.
Parts inventory stocking
Shops need common parts on hand to turn jobs quickly. Buying brake pads, filters, belts, and fluids in bulk from distributors ties up a lot of cash upfront.
Insurance claim float
Body shops doing insurance work often wait 30-60 days for claim payments. MCA covers operating costs while the shop waits for insurers to pay.
Hiring additional techs
When demand picks up, shops need more mechanics fast. Recruiting, training, and paying new techs before the revenue catches up requires bridge capital.
Shop expansion or second location
Adding bays, leasing a bigger space, or opening a second location all require upfront capital that the current operation can't always fund from cash flow.
Emergency repairs to the facility
A busted compressor, failing HVAC, or roof leak can shut down operations. MCA gets the shop back up and running without waiting for a bank loan.
Auto repair shops are one of the more funder-friendly industries in the MCA space. They process a high volume of credit and debit card transactions, have repeat customers, and generate consistent daily revenue — all things funders love to see on bank statements. Most funders will take an auto repair deal without hesitation.
That said, the margins in auto repair can be tight. Parts costs eat into revenue, and shops often carry receivables from insurance claims or fleet accounts that pay on net-30 or net-60 terms. Funders who understand this won't flag a shop just because the margins look thin — they'll look at deposit consistency and overall volume instead.
Deals in auto repair typically range from $15K to $100K. Shops with multiple bays, fleet contracts, or specialized services like body work and collision repair tend to qualify for higher amounts. If your merchant has steady card processing and at least 6 months of bank statements showing consistent deposits, they're a strong candidate.
58 Funders Accept Auto Repair
Full Search →Verified funders are prioritized at the top of results. Scroll down to see all matching funders.
The liquidity network
VerifiedMin Revenue: $0/mo
Max Positions: 6
Defaults: ✓ Accepted
Highland Hill Capital
VerifiedMin Revenue: $30,000/mo
Max Positions: 99
Defaults: ✓ Accepted
Black Rok
VerifiedMin Revenue: $40,000/mo
Max Positions: 99
Defaults: ✓ Accepted
G6 Advance
VerifiedMin Revenue: $30,000/mo
Max Positions: 99
Defaults: ✓ Accepted
GMFunding
VerifiedMin Revenue: $25,000/mo
Max Positions: 5
Defaults: ✕ No
Barclays Advance
VerifiedMin Revenue: $40,000/mo
Max Positions: 99
Defaults: ✓ Accepted
Frequently Asked Questions
What credit score does an auto repair shop need for an MCA?
Auto repair shops are considered funder-friendly because of steady daily card processing, so most funders prioritize deposit consistency over credit. Many approve shops with scores in the 500s, and strong card volume can offset a lower score or thin margins.
How much MCA funding can an auto repair shop get?
Deals typically range from $15,000 to $100,000. Shops with multiple bays, fleet contracts, or collision and body work qualify for the higher end. Amounts are based mainly on monthly card processing and bank deposit volume.
Do funders care about tight margins in auto repair?
Funders who know the industry expect thin margins because parts costs eat into revenue. They evaluate deposit consistency and total card volume rather than net profit, so a shop won't be declined just for slim margins.
Can a body shop get funded while waiting on insurance claims?
Yes. Funders understand body shops carry insurance receivables that pay in 30-60 days, and MCA is often used to bridge that gap. Show consistent card deposits alongside the pending claims.
Which funders work with auto repair shops?
Most funders accept auto repair deals. On MCA Directory you can filter by industry, revenue, positions, and defaults to see which funders fit your shop, with verified funders shown first.
Need a more specific match?
Use the full search matrix to filter by revenue, credit score, positions, and more.
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