Industries /
Auto Repair
Insurance pays later. You still need to operate today.
A lift goes down the week your biggest fleet client brings in a full schedule. We work with shop owners who need real decisions on real timelines.
Auto repair runs on parts inventory, equipment reliability, and customer trust. Fleet clients pay net 30. Suppliers want payment on delivery. The shops that grow are the ones with capital that moves at their speed, not on a committee's schedule.
We work with independent repair shops, auto service centers, and fleet maintenance operations.
We know what lenders look for in this category and which ones close when you need them to.
The situations shop owners actually call us about.
These aren't edge cases. They happen in shops every week. Mach works with shop owners who are dealing with exactly these problems right now.
Your parts account is at limit and a big job just came in.
You run a healthy shop. You have steady commercial accounts. But your parts suppliers have extended your credit line as far as it goes — and a major diagnostic job requires $8,000 in parts before the car leaves the lot. The client won't see an invoice for 30 days. Your supplier wants terms today.
What goes wrong without capital
A lift went down. Two bays are offline until it's fixed.
A hydraulic failure on a commercial lift means 2 bays are closed and every car scheduled for those bays has to be rescheduled or turned away. Repair or replacement runs $10,000–$40,000. The revenue loss starts Day 1. The repair bill arrives before the insurance adjuster.
What goes wrong without capital
You landed a city fleet contract. You need to expand capacity before the first truck arrives.
A municipal or commercial fleet contract is a significant, stable revenue source — and it usually requires proof of capacity before the ink is dry. You may need to hire, equip, or certify additional bays before the first vehicle arrives. The contract pays monthly. The investment is needed now.
What goes wrong without capital
Your biggest fleet account pays 45 days late. Every time.
A large fleet client represents 40% of your revenue. They also consistently pay 15–20 days past their stated terms. You've kept the account because the volume is real — but the slow pay creates a monthly cash gap that you cover by stretching everything else in the business.
What goes wrong without capital
From the people we work with.
"I wasn't sure at first if this was possible or real but Noah assured me it could be done. I needed money to win a project and fast.I had to get the funds or I would lose the contract within 24 hours... Noah had me send over the documents needed to achieve the funds, Allan worked his magic, and was able to get me approved for more than what i needed! I only took what i needed now but it feels good to know that if anything changes I have access to more funds very quickly. Thank you Noah and Allan!"
"Tony Bode is excellent at his job. He is very knowledgeable and went above and beyond to offer multiple options to best fit our business needs. I would highly recommend dealing with him if business funding needs arise for your business as they did for my business. Thank you again Tony and MACH funding."
"I found out about Mach Funding about a month ago, I applied but was not approved. But the process went exactly how Kelly explained it to me. Easy process and honest people to do business with. No gimmicks a very straight forward process. Thank you to Kelly for explaining how the product works and giving me the website to apply. I will be letting my colleagues and business partners know about Mach Funding."
"I have worked with Tony from Mach. He has always gotten back to me quickly and been able to secure funds within 24 to 48 hours. I will continue to use them for my capital needs."
"I want to take the time to thanks for extraordinary customer service provided by Mac Funding team: Michael Rodriguez, Tony Bode and Azi Sharbani. Thank you for taking the time for explaining every aspect of the loan offers and obtain the best loan that fit my financial circumstance. Thank you. Thank you, and Thank you."
The questions business owners actually ask. Straight answers.
Yes. Fleet accounts are among the most stable revenue sources in the auto repair space — even with slow-pay issues, the volume is predictable. Your advisor looks at the full picture, not just individual monthly deposits.
Many clients fund in 24–48 hours from a completed application. The Qualify Me form is 5 minutes with no credit pull. If your situation is urgent, tell your advisor on the call — they know which lenders move fastest.
Yes. Asset-based financing against specific shop equipment is often the most cost-effective path. Your advisor reviews whether the asset qualifies and what the rate looks like for your situation.
Working capital gives you the cash now based on your revenue profile — you don't need to factor specific invoices or put the fleet relationship at risk. Your advisor explains the difference between options on the qualification call.
Most lenders in our network want at least $10K/month in revenue and 3–6 months of operating history. The specifics depend on which product fits your situation. The qualification call takes 15 minutes and your advisor gives you a straight answer.
No. Banks regularly decline profitable shops with strong fleet accounts because their cash flow pattern looks irregular. The lenders in our network who work with auto repair shops understand the business model. A bank decline is not a Mach decline.
Find out what you qualify for. Five minutes.
No credit pull. No bank statements at this stage. Your advisor reviews your situation and tells you honestly whether Mach can help before you commit to anything.
