Revenue-based funding — also called a Merchant Cash Advance (MCA) — sized to your weekly RO volume and repaid as a small slice of daily deposits. Stock the parts, add the equipment, expand the shop without waiting on a bank.
Same-day decisions · No impact to credit · $5K – $1M+
Why MCA works here
Parts inventory eats cash. Equipment is expensive. Insurance and customer receivables can stretch. MCA bridges fast capital to consistent weekly RO volume.
Stock the parts the shop sells through the most, hit supplier-tier rebates, take advantage of NAPA / WORLDPAC volume pricing. Capital in days so you're not splitting orders to fit the cash on hand.
Two-post and four-post lifts, alignment racks, tire changer, A/C machine, diagnostic scan tools, EV charging gear. Pair MCA with equipment financing when you want speed and structure.
Add a bay, build out a second location, or take over a competitor's lease. Lenders underwrite the existing shop's monthly deposits — the new bay is the use of funds, not the collateral.
Tech wages, advisor commissions, slow-week reserves, insurance premiums. Revenue-based repayment flexes with weekly RO volume so the slow weeks pay back less.
Qualification
Underwriting varies across our partner network, but auto repair deals are typically evaluated against a similar set of signals.
At least 6 months in business — most partners prefer 12+
Monthly gross revenue of $10K+; $25K+ widens the field
Owner-operated, small chain, or multi-bay independent
ASE certifications a plus; not required
Personal credit 500+ workable; 600+ improves terms
US-registered entity with active business checking
If a deal doesn't fit one partner, we match to another. One application, many shots on goal.
Deal structure
Auto repair MCA deals in our network typically range from $10K to $250K, with the bulk landing between $25K and $100K. Factor rates run from roughly 1.20 to 1.49 depending on time in business, weekly deposit consistency, and credit profile.
Repayment is generally over 4 to 15 months via fixed daily or weekly ACH debits, sized to deposits the shop can service comfortably. Card-heavy shops sometimes qualify for split-funding (a percentage of card sales held back automatically).
$10K – $250K
Typical funding range
3 – 15 mo
Term length
Daily ACH
Repayment style
Documents
Nothing to start a Thunder application — but once a partner is interested, expect to share the following at the underwriting stage.
Last 3 months of business bank statements
A voided business check
Driver's license or government-issued ID
Proof of business ownership (EIN letter, formation docs)
Recent merchant processing statements
Auto repair FAQ
Other industries we serve
Ready when you are
One application. Multiple lenders. No impact to your credit score.