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● MCA · 24 hoursIndependent shop · Cleveland, OH
“Fleet customer doubled our volume overnight. Berkman wired parts money the next morning.”
Amount
$65,000
Use
Parts inventory
Funded
24 hours
Capital for shops that get cars out the door.
Lift bays, alignment racks, diagnostic scan tools, fleet contracts that pay net-30. We fund the gap between when you fix it and when the customer's insurance settles.
What we fund
Built for indies, multi-bay, and collision shops.
Typical deal shape
What a auto deal usually looks like.
Ranges are informative, not promises. Your file is your file — we size to it specifically once we see bank statements.
● INTERNAL EST. · TRAILING 12 MO
Funding range$20K – $1M
Typical speed to funding1–3 days
Common deal size$120K
Across 1,520 shops funded. Most files close in under 48 hours from bank statements.
Products we usually pair
The capital shapes that fit this industry.
Most repair shops pair an MCA for fast working capital with equipment financing for the big-ticket lift or rack. A small LOC handles parts inventory swings.
MCA01 / 03
Merchant Cash Advance
Repaid as a % of daily card sales. Slow days = smaller payments.
See product
EFP02 / 03
Equipment Financing
Asset-secured term loan against the equipment you're buying. Longer terms, lower rates.
See product
LOC03 / 03
Business Line of Credit
Revolving credit — draw, repay, repeat. Pay interest only on what you use.
See product
Questions
The ones we actually get asked.
Industry-specific answers — not generic boilerplate. Don't see yours? Drop us a line.
Do you require commercial credit history?+
No. We can fund first-time borrowers based on shop revenue alone. Personal credit is a factor but not a gate.
Can I finance a multi-bay expansion?+
Yes — we'll size the deal against your projected lift capacity, not just trailing revenue. Bring a pro-forma.
What if I have stacked MCAs already?+
We can often consolidate them into one structured payment with a lower daily — tell us up front and we'll model it.
Do you fund mobile mechanics?+
Yes, especially for tools and a service-vehicle upfit. Smaller deals, fast turnaround.