When a lift fails, the bay stops earning but payroll and the parts account do not. Here is how a merchant cash advance fits a New York repair shop, and when something else fits better.
Apply Now →A repair shop earns money one way: bays turning over with technicians billing hours. When a two-post lift fails or a diagnostic scan tool stops talking to a newer model, that bay stops selling labor the same day. Technician pay, rent and the parts supplier statement keep arriving on schedule anyway.
A merchant cash advance is funding advanced against your business's future sales instead of a conventional bank term loan. How repayment is structured depends on the offer in front of you, so read it line by line before you accept anything.
| Cash event | Why it cannot wait | What makes it a timing problem |
|---|---|---|
| Lift or frame machine failure | A down bay is lost billable hours every day | Replacement is one large invoice, income returns only after install |
| Diagnostic tools and software | Newer vehicles cannot be worked on without them | Subscriptions and hardware land on the same month |
| Parts account | Suppliers expect payment on their cycle | You buy parts before the customer pays for the repair |
| Technician payroll | Good techs leave if a paycheck is late | Payroll is fixed even in a slow week |
| Fleet and commercial accounts | Delivery vans and company cars are steady work | They often pay on invoice, weeks after the job |
An advance tends to make sense when the problem is a short gap and the shop has steady deposits to show for it:
It fits less well when the real issue is margin rather than timing. If labor is priced too low or comebacks are eating profit, more cash will not fix the underlying shop economics. And for a long-lived asset such as a full alignment system, it is worth comparing an advance against financing the equipment itself.
Imagine a shop with four bays where one lift is out for two weeks. If each bay bills about $1,200 of labor in a normal week, that is roughly $2,400 of labor not sold, before counting the parts margin that goes with it. A replacement lift plus installation might cost more than that in a single payment.
Those figures are round numbers chosen to show the mechanics. They are not our terms, and they are not a typical outcome. The point is that the repair cost and the lost billing arrive together, and the advance is meant to cover that overlap.
We fund $25,000 to $5,000,000, and funding can arrive in as little as 24 hours. A FICO score of 500 or higher is considered, we ask for about three months of business bank statements, and no tax returns are required. The application takes about 5 minutes and uses a soft credit pull. Sole proprietors can apply.
Having the last three statements ready, showing your card batches and deposits, is the single best way to keep the process quick. You can begin at the application page whenever you are ready.
No. Ownership of the building is not what we look at. We review about three months of business bank statements to see steady deposits.
Yes. Sole proprietors can apply, and tax returns are not required. The amount you can request starts at $25,000, so it makes the most sense if your need is at or above that level.
You should. Repayment structure depends on the specific offer, so read the paperwork closely and ask about anything unclear before accepting.
They solve different problems. An advance covers a timing gap against future sales, while equipment financing is built around buying the asset. Compare both if the lift is the main expense.
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
