Garage funding made simple

With our merchant cash advances, your organization could receive a cash injection of between £5,000 and £200,000, with approval in 24 hours. Unlike a bank loan, there is no fixed term or fixed monthly payments.

You simply repay an agreed percentage of your credit and debit card sales, which means that you only pay us back when your customers pay you.

Examples of how garage and MOT station owners have benefitted from a business cash advance:
  • Purchasing tyre stocks
  • Marketing and advertising
  • General working capital needs
  • Purchasing diagnostic equipment
  • Bulk purchasing of car parts and spares
  • Installing new hydraulic ramp/service bay.

Am I eligible for Carage And Mot Centre financing?

To be eligible for a merchant cash advance we ask 2 simple questions:

Has your business been trading for a minimum of 6 months?

YesNo

Does your businesses monthly credit and/ or debit card sales exceed £5,000?

YesNo

You are eligible!

Apply Now

How much capital does your business need?

Get a no-obligation quote now

£5,000 - £15,000£15,000 - £50,000£ 50,000 - £100,000Most popular£100,000+

*Your application has no affect on your credit score 

About our garage funding

From purchasing car parts and spares to paying your staff, running a successful garage is all about having steady, predictable cash flow.

Designed specifically with the needs of garage and MOT centre owners in mind, our merchant cash advances allow you to access between £5,000 and £200,000 in instant funding for your business.

Better yet, you don’t need to worry about fixed terms, fixed monthly repayments, hidden APR or any other common bank loan drawbacks. After we’ve approved your business, you can use your merchant cash advance to:

  • Increase your working capital and pay your staff, suppliers, contractors and any other creditors with ease, all without having to worry about cash flow disruptions.

  • Market and advertise your business to bring in more customers, become a stronger brand in your community and increase monthly revenue.

  • Purchase important diagnostic equipment to help you run your business effectively and offer a wider range of services to your local customers.

  • Buy new inventory for your tyre stocks without any effects on your short-term cash flow and working capital.

  • Bulk purchase car parts and spares to save money on each unit and increase your garage’s profit margin.

  • Install new hydraulic ramps and service bays so that your team can service more vehicles at once and increase revenue.

How our garage funding works

From ordering inventory in bulk to purchasing new equipment, it’s far from uncommon for large purchases to affect your garage of MOT centre’s working capital.

Our merchant cash advances for garages are designed to provide a flexible source of funding for your business that helps you access the capital you need to operate and grow without the downsides of a traditional bank loan.

Depending on the size of your garage, you could access anywhere from £5,000 to £200,000 in total funding.

Unlike a bank loan, there’s no minimum monthly repayment, hidden APR or fixed loan term to harm your short-term cash flow. Instead, you’ll repay your cash advance using a small, agreed upon percentage of your garage or MOT centre’s monthly credit and/or debit card sales.

This means that the amount you’ll pay fluctuates with your business, letting you pay more when business is good and less when sales are down. In short, you’ll get all of the benefits of a bank loan without any of the downsides.


Whether you need £5,000 for working capital or up to £200,000 to buy equipment and expand your business, we’re here to help.

To qualify for a merchant cash advance, your garage or MOT centre will need to process £5,000 or more in credit and/or debit card sales every month. You’ll also need to have been trading for six months or longer.

We’ll assign you a dedicated account manager after receiving your application, who’ll help you with the entire process. If approved, you’ll receive your merchant cash advance as a lump sum in your business’s bank account.

Instead of a fixed monthly repayment, you’ll pay back your merchant cash advance through a small, agreed upon percentage of your garage or MOT centre’s monthly credit and debit card sales.

This means that when you earn more, you’ll repay a larger amount of your cash advance, all while paying less when business is slow. As a result, you can focus on running and growing your business without having to worry about costly, fixed monthly repayments.

Merchant Cash Advance:

The flexible alternative to bank loans

Get a quote

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