Revenue-Based Financing for Auto Repair Shops
Summer tire season brings $60,000 monthly. January averages $35,000. Revenue-based financing ties payments to your actual deposits, automatically adjusting to the seasonal and daily variation that defines auto repair business.
How much funding do you need?
Drag the slider or type an amount
Perfect for Auto Repair Revenue Patterns
Revenue-based financing calculates payments as a percentage of your deposits. Since auto repair deposits follow predictable daily and seasonal patterns, payments automatically match.
Daily Variation Match
An 8% revenue share on a $3,000 day means $240 payment. That same 8% on a $1,500 Monday means only $120. Built-in daily flexibility.
Seasonal Protection
Slow January deposits drop 30% from busy summer? Your payments drop 30% automatically. No modification requests needed.
Deposit Percentage Model
Typical revenue-based financing takes 6-12% of daily or weekly deposits until the obligation is satisfied.
Automatic Adjustment
No negotiation or modification requests required. The structure adjusts based on actual deposits automatically.
Why Fixed Payments Create Stress
Daily and seasonal revenue variation is auto repair reality. Financing should acknowledge this.
Fixed Payments vs. Daily Reality
A $1,500 monthly payment is manageable on $60,000 summer months but tight on $35,000 slow winter months.
Seasonal Mismatch
Fixed payments continue at full amount through slow January-February while tire season is months away.
Daily Variation
Monday is slow with $1,500. Saturday is busy with $4,500. Fixed payments ignore this natural daily variation.
Cash Flow Strain
Fixed payments during slow periods strain cash flow and force difficult choices about operations.
Seasonal Preparation
Need capital for tire season inventory but payment timing does not match revenue timing.
Variable Year Protection
Some years are stronger than others. Fixed payments do not adjust to actual business performance.
Revenue-Based Financing Process
Get approved with payments that automatically match your deposit flow.
Application
Complete application with shop information and capital needs.
10-15 minutes
Bank Statements
Provide 4-6 months bank statements showing deposit patterns.
Upload documents
Evaluation
We analyze deposit patterns and revenue to determine terms.
24-72 hours
Funding
Accept terms with percentage-based payments. Funds deposited to your account.
1-2 days after approval
Payments That Match Shop Reality
Revenue-based financing ties payments to your actual deposits. Busy days and seasons pay more when you have the cash. Slow periods adjust automatically. Natural alignment with auto repair operations.
Daily Automatic Flex
Payments follow daily deposits. Slow Monday means small payment. Busy Saturday pays more.
Seasonal Protection
Slow season deposits down 30%? Payments drop 30% automatically. No requests needed.
Fast Access
Most applications receive decisions within 24-72 hours.
Credit Flexibility
Deposit patterns matter more than credit scores for qualification.
No Negotiation
Payments adjust automatically. No modification requests or negotiations.
Variable Year Protection
Weaker year means lower deposits means lower payments automatically.
Revenue-Based for Auto Repair
Common applications where deposit-aligned payments provide optimal structure.
Equipment Purchase
Finance equipment with payments that track your daily deposits.
Typical funding: $15K-$75K
Parts Inventory
Build inventory with payments that adjust seasonally with sales.
Typical funding: $10K-$50K
Seasonal Preparation
Fund busy season prep. Heavy payments during peak when affordable.
Typical funding: $15K-$50K
Marketing Push
Fund marketing. Pay for it through the revenue it generates.
Typical funding: $10K-$30K
Working Capital
Operating capital with payments that flex with business patterns.
Typical funding: $10K-$50K
Shop Improvement
Facility upgrades paid back through seasonal revenue patterns.
Typical funding: $15K-$60K
Revenue-Based vs. Fixed Payment Options
Understanding how revenue-based differs from traditional financing.
| Feature | Revenue-Based | Fixed Term Loan | Bank Loan |
|---|---|---|---|
| Payment Structure | % of deposits | Fixed monthly | Fixed monthly |
| Daily Adjustment | Automatic | None | None |
| Seasonal Adjustment | Automatic | None | None |
| Speed | 24-72 hours | 1-3 weeks | 30-60 days |
| Deposit Value | Primary factor | Considered | Minor factor |
| Total Cost | Known factor | Known APR | Known APR |
| Best For | Seasonal businesses | Budget certainty | Lowest cost |
| Documentation | Bank statements | More extensive | Extensive |
Revenue-Based Requirements
What qualifies auto shops for revenue-based financing.
Card/Bank Deposits
Consistent daily deposits from customers through bank account.
$15,000+ monthly
Business History
Established auto shop with proven operations.
6+ months preferred
Deposit Patterns
Regular deposits showing operational consistency.
Consistent patterns
Seasonal Pattern
Clear seasonal pattern with peaks and slower periods.
Normal auto seasonality
Active Operations
Currently operating shop with ongoing customer activity.
Active business
Positive Revenue Trend
Stable or growing deposit pattern.
Positive trajectory
Revenue-based financing emphasizes deposit patterns over credit scores. Seasonal variation is expected and the structure is designed for it.
Real Results
Seasonal Auto Service
Auto Repair, Minnesota
The Challenge
Seasonal Auto had extreme seasonality: $55,000 monthly deposits in summer tire season, $28,000 in winter. Fixed $2,500 payments were comfortable in summer but crushing in winter.
The Solution
Revenue-based financing for $40,000 at 8% of deposits. Summer payments averaged $4,400 when cash was strong. Winter payments dropped to $2,240 automatically.
The Result
Financing repaid primarily during strong summer months. Winter cash flow stress eliminated entirely. Shop refinanced for expansion with same structure.
“Summer is twice as busy as winter. Revenue-based means we pay twice as much in summer when we have it. Winter payments drop automatically without asking.”
Auto Repair Revenue Data
Understanding auto repair revenue patterns.
Why Auto Shops Choose Revenue-Based
Benefits of deposit-aligned payment structures.
Daily Automatic
No payment adjustment requests. Automatic daily flex built in.
Slow Day Relief
Slow Monday means proportionally small payment. Natural alignment.
Seasonal Protection
Built-in slow season payment reduction without requests.
Growth Alignment
Growing revenue means comfortable accelerated repayment.
Fast Access
Quick approval when equipment or inventory cannot wait.
Year Protection
Weaker years automatically mean lower payments.