Fast working capital for auto repair shops, garages, and detailing centers. Get $15,000 to $150,000 based on your daily sales, not your credit score.
$15K to $150K Funding
Same-Day Approval
No Collateral Required
Funds in 24 Hours
Apply NowNo hard credit pull. Takes less than 5 minutes.
Working Capital Built for Auto Repair Shops
Running an auto repair shop means dealing with unpredictable cash flow. A slow week, a broken lift, or a bulk parts order can put pressure on your finances fast. Traditional banks rarely understand the repair business, and their slow approval process is no help when a customer's car is already in the bay.
Trulo Capital's merchant cash advance is built around your daily card sales. We evaluate your shop based on your revenue history, not just your credit score. You can access $15,000 to $150,000 with same-day approval and funding in as little as 24 hours. Repayment adjusts with your sales, so you pay less on slow days and more when the bays are full.
How Auto Repair Shop Owners Use MCA Funding
There are no restrictions on how you use your funds from Trulo Capital. Auto repair shop owners typically use working capital for:
Purchasing or upgrading lifts and diagnostic equipment
Stocking up on parts and supplies inventory
Hiring and training additional technicians
Covering payroll and overhead during slow seasons
Renovating the shop floor or waiting area
Expanding to a second bay or larger facility
Running local marketing and referral campaigns
Upgrading shop management software and POS systems
How It Works
From application to funding in as little as 24 hours. No branch visits, no loan committees.
Step 1
📋
Apply
Fill out a one-page application in minutes. Have 3 months of business bank statements ready.
Step 2
📞
Get an Offer
A funding advisor reaches out within a few hours to walk you through your options.
Step 3
💸
Get Funded
Once you approve an offer, funds are deposited into your account. Often within 24 hours.
Step 4
📈
Repay as You Earn
A fixed percentage of your daily card sales is applied toward your balance. Less on slow days, more on busy ones.
Approval is not based solely on your credit score. We look at the overall health of your auto repair business.
600+ Credit Score
FICO score of 600 or above to qualify
12+ Months in Business
At least one year of shop operation
$20K+ Monthly Revenue
Average monthly revenue of $20,000
Healthy Cash Flow
Verified with your last 3 months of business bank statements
Even if you don't meet every requirement, it's worth applying. We review each application individually.
Types of Auto Repair Shops We Fund
Trulo Capital works with auto service businesses of all types. If your shop processes credit and debit card payments, you are likely a good fit for a merchant cash advance.
🔧 General Auto Repair
Full-service repair shops handling engine work, brakes, suspension, and everything in between. Fast capital to keep every bay productive.
💥 Collision and Body Shops
Collision repair centers dealing with insurance cycles and large material costs. MCA funding helps bridge the gap between jobs and payouts.
🛞 Tire and Wheel Shops
High-volume tire shops that need to maintain deep inventory and stay competitive on price. Stock up without draining your cash reserves.
✨ Auto Detailing Centers
Detailing businesses looking to upgrade equipment, expand their service menu, or hire additional staff to handle growing demand.
🚗 Oil Change and Quick Lube
Fast-service shops with high customer volume and thin margins. Working capital helps cover payroll, supplies, and equipment maintenance.
⚙️ Specialty and Performance Shops
Transmission specialists, exhaust shops, and performance tuners with specialized equipment needs and project-based cash flow cycles.
Auto Repair MCA vs. Bank Loan
Traditional bank loans are not built for the auto repair business. Here is how a Trulo Capital merchant cash advance compares.
Trulo Capital MCA
Bank Loan
Approval time
✓ Same day
– 2 to 8 weeks
Funding speed
✓ As fast as 24 hours
– Weeks after approval
Credit score required
✓ 600+ accepted
– Usually 680 or higher
Collateral
✓ Not required
– Often required
Repayment
✓ % of sales
– Fixed monthly payment
Application
✓ One page, online
– Extensive paperwork
Revenue-based approval
✓ Yes
– No
Approval time
Trulo MCA
Same day
Bank Loan
2 to 8 weeks
Funding speed
Trulo MCA
As fast as 24 hours
Bank Loan
Weeks after approval
Credit score required
Trulo MCA
600+ accepted
Bank Loan
Usually 680 or higher
Collateral
Trulo MCA
Not required
Bank Loan
Often required
Repayment
Trulo MCA
% of sales
Bank Loan
Fixed monthly payment
Application
Trulo MCA
One page, online
Bank Loan
Extensive paperwork
Revenue-based approval
Trulo MCA
Yes
Bank Loan
No
Auto Repair Shop Funding Questions and Answers
Can I get a merchant cash advance for my auto repair shop if I have bad credit?
Yes. Trulo Capital approves auto repair shop funding based primarily on your daily card sales and bank statement history, not just your FICO score. Many shop owners with credit scores in the 600s qualify for funding. If your shop has been open for at least 12 months and processes consistent card sales, you have a strong chance of approval.
How much can my auto repair shop borrow?
Trulo Capital funds auto repair shops from $15,000 to $150,000. The exact amount depends on your average monthly card volume and bank statement health. A funding advisor will walk you through how much you are eligible for and what repayment would look like for your specific shop.
Can I use the funds to buy new equipment or lifts?
Absolutely. Equipment purchases are one of the most common uses for auto repair shop MCA funding. New lifts, diagnostic machines, tire changers, and alignment equipment can all be purchased with your Trulo Capital funds. There are no restrictions on how you use the money.
How does repayment work for an auto repair shop cash advance?
Repayment is collected as a fixed percentage of your daily or weekly credit and debit card sales. On slow weeks when fewer customers come in, you pay less. On busy weeks when every bay is full, you pay more. You never have a fixed monthly payment that ignores how your shop is actually performing.
How fast will I receive the funds?
Most auto repair shop owners receive their funds within 24 to 48 hours of approval. In some cases, same-day funding is possible. There are no loan officers, branch visits, or committee reviews slowing things down.
Is a merchant cash advance the same as an auto repair business loan?
No. A merchant cash advance is not a loan. Instead of borrowing money and repaying it with interest over a fixed term, you receive a lump sum upfront in exchange for a percentage of your future card sales. This makes MCAs much faster to access, more flexible in repayment, and easier to qualify for than traditional business loans.
What documents do I need to apply?
The application is simple. You will need your last 3 months of business bank statements and basic information about your shop. For faster processing, you can also securely connect your bank account directly. A funding advisor will reach out within a few hours to complete your application.
What Our Clients Are Saying
Discover how real business owners are growing with fast, clear, and reliable funding experiences.
The process was fast and easy to understand. I run a retail clothing store, and the funding helped me prepare for a seasonal rush without stressing over cash flow. Everything was clear from the start.
Rachel M.
Retail Store Owner
I’ve worked with other financing companies before, but this experience stood out. As a small restaurant owner, I needed quick help during a slow month. The communication was strong and the approval came faster than I expected.
Marcus J.
Restaurant Owner
Running a hair salon means staying stocked and ready for clients. I applied in the morning and received funding the same day. The team made it feel simple and reliable from start to finish.
Elena S.
Salon Owner
As someone who owns a small auto repair shop, I don’t have time for complicated applications. This was refreshingly easy. I was able to fix equipment and manage payroll without delay.
Jared T.
Auto Repair Business Owner
I needed to restock supplies and launch a small marketing campaign for my mobile cleaning service. The support I received was direct, honest, and truly helpful. This made a real impact on how I operate.
Danielle R.
Cleaning Service Owner
The process was fast and easy to understand. I run a retail clothing store, and the funding helped me prepare for a seasonal rush without stressing over cash flow. Everything was clear from the start.
Rachel M.
Retail Store Owner
I’ve worked with other financing companies before, but this experience stood out. As a small restaurant owner, I needed quick help during a slow month. The communication was strong and the approval came faster than I expected.
Marcus J.
Restaurant Owner
Running a hair salon means staying stocked and ready for clients. I applied in the morning and received funding the same day. The team made it feel simple and reliable from start to finish.
Elena S.
Salon Owner
As someone who owns a small auto repair shop, I don’t have time for complicated applications. This was refreshingly easy. I was able to fix equipment and manage payroll without delay.
Jared T.
Auto Repair Business Owner
I needed to restock supplies and launch a small marketing campaign for my mobile cleaning service. The support I received was direct, honest, and truly helpful. This made a real impact on how I operate.
Danielle R.
Cleaning Service Owner
Ready to fund your auto repair shop?
Apply in minutes. Talk to a funding advisor today. Funds deposited as fast as 24 hours.
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