An advance is repaid from your sales, so it behaves differently from a fixed monthly payment. Whether that suits a repair shop depends on how steady your sales are.
Apply Now →In general terms, a merchant cash advance is funding repaid through a portion of your future receivables rather than through one fixed monthly payment. When sales are higher, more goes toward repayment. When sales dip, less does. The actual structure of any offer is set out in its own paperwork, and it should be read line by line.
That feature is what makes it worth considering for a shop with steady card and counter sales, and worth being careful with for a shop whose revenue is lumpy.
Repair shops usually take payment when a customer collects the vehicle, by card or at the counter, so receipts show up regularly. A shop doing a steady flow of oil changes, brake work, inspections and small repairs has the kind of repeating receipts this structure expects. A shop whose income arrives mostly as a few large invoices from fleet accounts on net-30 or net-60 terms has the opposite pattern, and an advance tied to card receipts may feel awkward there.
| Question | Leans toward a fit | Leans away |
|---|---|---|
| How do customers pay? | Mostly card or counter at pickup | Mostly invoiced on long terms |
| Weekly volume | Fairly even across weeks | Big swings tied to a few jobs |
| Reason for funds | Equipment, stock, a short-term gap | Covering a loss that keeps recurring |
| Margin | Healthy per job | Thin, with little room for repayment |
We do not publish rates or repayment figures on this page because they depend on the business. Any numbers that appear in this article are labeled as illustrations of the method.
For illustration only, imagine a shop that brings in $20,000 a week and agrees to repay from a set share of receipts. In a $20,000 week more flows toward repayment than in a $12,000 week. That is the intended behavior, but it also means that the cost of a slow week is spread forward. These numbers are invented and are not our terms or typical results.
We fund $25,000 to $5,000,000, funded in as little as 24 hours, with a 5-minute application and a soft credit pull. Sole proprietors can apply. You can start here, and you are free to compare what you are offered with other options.
It is a different structure. Repayment follows your receipts rather than a fixed schedule. Read the paperwork to see exactly how any offer works.
In general, repayment tied to receipts goes down when receipts do, but the total owed does not shrink. Confirm how it works in the specific offer.
Often less so. If income arrives in a few large invoices on long terms, a line of credit or working capital product may match it better.
Yes, sole proprietors can apply, with about a 5-minute application and a soft credit pull.
Compare total repayment in dollars, the repayment pattern in a slow month, and whether another product matches your need more closely.
Three months of business bank statements and a 5-minute application. FICO 500+ considered. $25,000 to $5,000,000, funded in as little as 24 hours.
Apply Now →It takes about two minutes and it will not affect your credit score.
No obligation • No impact to your credit score
