Merchant Cash Advance for Auto Repair Shops
Monday you process $2,500 in cards. Saturday hits $4,800. MCA takes a percentage of each day's deposits, so you pay more on busy days when you have it and less on slow days. Perfect alignment with how auto shops actually operate.
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How MCA Works for Auto Repair
MCA was designed for businesses with daily card processing. Auto shops generate predictable daily deposits that provide the perfect foundation for percentage-based repayment.
Daily Deposit Alignment
A 10% holdback on daily card deposits means $250 payment on a $2,500 day but $480 on a $4,800 Saturday. Built-in alignment with shop patterns.
Slow Day Protection
Monday is slow with $1,200 in cards. Your payment is $120. No stress about hitting a fixed payment on your slowest day.
Speed to Capital
MCA typically funds faster than other options. Equipment emergencies and opportunities can be addressed in days, not weeks.
Processing Volume Focus
MCA evaluates your card processing volume, not just credit scores. Strong daily deposits can qualify shops that banks decline.
Why Fixed Payments Create Stress
Daily revenue variation is the reality of auto repair. Financing should match.
Daily Sales Variation
Saturday does $4,800. Monday does $1,500. Fixed payments ignore this variation that is built into auto repair.
Equipment Emergency
Lift hydraulics fail Wednesday. You need $10,000 now, not in 3 weeks when the bank finishes processing.
Credit Challenges
Past credit issues but strong daily card deposits. Banks see the score. MCA sees your actual business performance.
Bank Timeline Mismatch
Bank needs 3-6 weeks. Your lift is down and customers are leaving. The timing does not work.
Seasonal Variation
Tire season is strong. Summer is slow. Fixed payments ignore this natural variation in auto repair.
Opportunity Windows
Equipment deal available this week only. Used alignment machine at great price. Need capital now.
Auto Repair MCA Process
From application to capital in days, not weeks.
Application
Complete simple application with shop information.
10 minutes
Processing Statements
Provide 3-4 months of card processing statements.
Upload documents
Evaluation
We analyze your processing volume and deposit patterns.
Same day
Funding
Accept offer and receive funds deposited to your account.
24-72 hours
Capital That Matches Daily Sales
MCA ties payments to your actual daily card deposits. Busy days pay more because you can afford it. Slow days pay less because that is your reality. Natural alignment with auto shop operations.
Daily Deposit Alignment
Payments calculated as percentage of daily deposits. Big days pay more, slow days pay less automatically.
Fast Access
Most applications receive decisions within 24-72 hours. Funding same or next day after approval.
Credit Flexibility
Card processing volume matters more than credit scores. Strong deposits can overcome credit challenges.
No Fixed Payments
Never face fixed payment on slow Monday. Payment is always proportional to that day's sales.
No Collateral Required
Future deposits are the basis. No equipment liens or personal asset pledges required.
Simple Documentation
Processing statements and basic application. No tax returns or extensive documentation.
Auto Repair MCA Applications
Common situations where MCA serves auto shops well.
Equipment Emergency
Lift, compressor, or critical equipment fails. Need repair or replacement capital fast.
Typical funding: $10K-$40K
Parts Inventory
Build inventory before busy season. Pay back through busy season deposits.
Typical funding: $15K-$50K
Credit Challenges
Strong card processing but credit issues. Fund based on business performance.
Typical funding: $10K-$75K
Opportunity Capture
Time-sensitive equipment deal or expansion opportunity that cannot wait.
Typical funding: $20K-$75K
Payroll Bridge
Cover tech payroll while waiting for large job payment.
Typical funding: $10K-$30K
Marketing Push
Fund customer acquisition campaign with repayment from new business.
Typical funding: $10K-$25K
MCA vs. Other Auto Repair Financing
Understanding when MCA makes sense versus alternatives.
| Feature | Auto Repair MCA | Term Loan | Bank Loan |
|---|---|---|---|
| Speed to Funding | 24-72 hours | 1-3 weeks | 30-60 days |
| Payment Structure | % of daily deposits | Fixed monthly | Fixed monthly |
| Adjusts to Sales | Automatic | None | None |
| Credit Requirements | Processing focus | Moderate | Strict |
| Documentation | Minimal | Moderate | Extensive |
| Total Cost | Higher | Moderate | Lowest |
| Best For | Speed/flexibility | Planned needs | Lowest cost |
| Slow Day Protection | Built-in | None | None |
Auto Repair MCA Requirements
What qualifies auto shops for MCA.
Card Processing Volume
Consistent daily card deposits from customers. Primary qualification factor.
$10,000+ monthly card volume
Business History
Operating auto shop with established card processing history.
6+ months minimum
Processing Statements
Recent card processing statements showing volume and patterns.
3-4 months statements
Bank Account
Business bank account where deposits are received.
Active account
No Active Bankruptcy
Cannot be in active bankruptcy proceedings.
No open BK
Active Operations
Currently operating shop with ongoing card processing.
Active business
MCA emphasizes card processing volume over credit scores. Strong daily deposits can overcome significant credit challenges.
Real Results
Reliable Auto Care
General Auto Repair, California
The Challenge
Reliable's main lift hydraulics failed Wednesday. $8,000 repair needed immediately to restore two-bay capacity. Bank said 3 weeks minimum.
The Solution
We evaluated their $35,000 monthly card volume and approved $12,000 MCA at 1.28 factor with 12% daily holdback. Funding arrived Friday morning.
The Result
Lift repaired over the weekend. Monday operations returned to normal. MCA repayment tracked naturally with daily card deposits over 8 months.
“Wednesday the lift went down. Friday morning I had capital. Called the repair company Friday afternoon. Monday we were back in business. Speed saved me.”
Auto Repair MCA Data
Statistics on MCA for auto repair businesses.
Why Auto Shops Choose MCA
Benefits of daily-adjusted funding for auto repair.
Daily Alignment
Payments naturally match your busy and slow days.
Credit Flexibility
Strong card volume matters more than credit scores.
Emergency Response
Equipment failures get capital response in days, not weeks.
Simple Process
Processing statements and application. No tax returns required.
No Collateral
No equipment liens or personal asset pledges.
Seasonal Match
Busy tire season pays more. Slow summer pays less.