Funding for shops that actually keep America moving.
Independent auto repair shops, collision and body shops, transmission and specialty garages — we fund them all. We understand parts inventory, insurance-billed work, and the cash flow gap between job-in and job-paid.
What our clients use it for
Lifts, alignment, diagnostic equipment
Fund the equipment that lets you take on more profitable work.
Parts inventory
Buy in volume, lock in better pricing, or carry the parts your customers need on the shelf.
Bridge insurance receivables
Cover payroll and operating costs while waiting on insurance carrier payments.
Add a bay or expand the shop
Build out additional bays, paint booths, or service space.
Hire a tech
Cover the first 60–90 days of a new tech's payroll while they ramp up billable hours.
Marketing & lead-gen
Fund Google, fleet contracts, and local marketing pushes.
Why we're a fit
- We fund shops with 6+ months of operating history and a business bank account.
- FICO 580+ is the floor for most of our auto-shop approvals.
- Insurance-billed body shops are a great fit — predictable receivables strengthen your file.
- Daily or weekly repayment options match your shop's cash flow.
- We can fund single-bay independents up through multi-location operators.
"I'd been turned down by three banks. Merchant Runway looked at my actual cash flow and got us funded the same week. Bought the lift, hired a second tech, doubled our throughput."
We're in it for the long haul.
Most of our clients come back for additional capital as their business grows. We track your business's progress and proactively let you know when you qualify for better terms, larger amounts, or different products.
Common questions
Ready to extend your runway?
Find out what you qualify for in under 5 minutes. No commitment, no hard credit check, no hassle.