MCA leads for auto repair

• 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.

The general order underwriters work in is covered in what funders actually look at. The points above are what differs here.

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.

Seasonality

Flatter than almost any other vertical. There is a modest lift after winter in northern states as salt damage surfaces, and a summer lift on air conditioning and travel-related work, but no dead quarter.

How we handle verticals

Leads are assigned in rotation off live traffic, not picked from a menu — we cannot promise a pure order of any single industry. What we can do is tell you honestly whether the volume exists to weight your leads toward auto repair, before you spend anything.