MCA leads for auto repair.
One of the steadiest verticals a funder will see and one of the most consistently underrated by brokers.
- Typical monthly revenue
- $30K–$150Kfor independents, higher for multi-bay collision
- Typical advance
- $20K–$80K
- Exclusive, per lead
- $60
directional figures · every exclusive lead is over $30,000 a month in revenue and requesting over $15,000
Underwriting auto repair.
What underwriters look at
- Collision work is billed to insurers, so a shop can be busy for six weeks before the money lands. Mechanical repair is paid at the counter. A statement mixing both reads as inconsistent unless someone explains the split.
- Parts are bought on supplier credit lines, which do not show as positions but do compete for the same daily cash.
- Card volume is high and genuine, which makes a daily remittance sit comfortably against receipts — this is the profile advances were originally built for.
- Equipment purchases — alignment racks, scan tools, lifts — produce single large withdrawals that look alarming out of context and are usually the healthiest thing in the file.
Why deals die
- Heavy insurer receivables with no explanation of the billing cycle
- Shops operating from a leased bay with no assignable lease
- Deposit volume dominated by a single fleet or dealer account
- Existing equipment finance already secured against the shop’s assets
Funder appetite.
Broadly positive and rarely contested. Auto repair rates well with most funders because demand does not disappear in a downturn — people repair rather than replace. Where appetite narrows is collision-heavy shops, because the receivables are institutional and slow.
Whatever the industry.
All exclusive leads meet the following criteria
- Over $30,000 a month in revenue
- Requesting over $15,000
- One year or more in business
- 600+ credit score
- No previous defaults
- Under 5 positions
- U.S.-based
- Mobile verified by 6-digit code
A lead that misses any one is never sent and never billed.
By industry.
Questions.
Book 15 minutes with Alex.
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— Alex