Auto repair is recession-resistant, technically demanding, and chronically undercapitalized: parts due on delivery, techs due Friday, customers paying at pickup. A revenue purchase closes the gap between the bay and the bank. This is boutique funding: a person reads your file, not a scoreboard.
Every job starts with a parts order due in days; the customer pays at pickup, and fleets pay net-30. A busy shop is a parts-float machine.
The tech shortage means signing bonuses, tool allowances, and $35+ flat-rate hours. Landing one A-tech can change the shop — if you can float the hire.
ADAS calibration, EV service gear, a second alignment rack — the equipment that unlocks the profitable work runs $20k–$80k per capability.
A bank's file on auto repair says decline before your statements load: single location, leasehold, equipment that auctions cheap. The $60k months at the counter do not fit their model of a lendable business.
Even equipment finance companies get selective beyond lifts and standard gear, leaving the calibration rigs and shop-management upgrades stranded.
Shop revenue is daily and card-heavy, with fleet invoices layered on top. We advance against the blended deposits and remit weekly — the purchase settles out of car count, not out of your personal credit card like the parts usually do.
The highest-ROI spend in the industry is capacity and capability: the lift that adds a bay's worth of turns, the calibration rig that keeps insurance work in-house, the service advisor who raises average ticket 15%. Sharp terms, straight answers — that is the whole Cutting Cap model.
A used two-post plus installation — one more bay of turns every single day. The math on this one writes itself.
Bring calibration work in-house instead of subletting it — capture the margin and the insurer relationships that come with it.
Build out the extra bay and float the signing bonus and ramp for the master tech who fills it.
Yes — fleet invoices paid net-30 are deposits like any other. Many shops use the purchase precisely to stop waiting on fleet checks.
Three months of statements is our starting line. New shops with steady car count underwrite well — cash flow tells the story the bank forms miss.
Yes. Revenue purchases fund acquisitions regularly — the deposit, the goodwill payment, and the working capital to keep the bays full through the transition.
A $15,000, $25,000, or $50,000 revenue purchase — and those are floors, not ceilings. We fund more when the financials support it. Apply in four minutes; decision in 24–72 hours.
