Keep the Bays Open. Get out of MCA debt.
Equipment financing, parts on net-30, and a daily MCA pull at 6am. We negotiate with your funders so you can stock the parts, pay your techs, and finally take Saturday off.
Why auto repair shops end up trapped in MCA debt
Auto repair shops have unique cost structures — high inventory, expensive equipment, and gap between customer pay and insurance pay — that make MCA debt especially crushing.
Equipment financing isn't optional
Lifts, alignment racks, scan tools, diagnostic gear — the gear that makes you money costs five and six figures. When that financing competes with daily MCA pulls, something has to give.
Parts inventory ties up cash
Your parts distributors want net-30 payment, but you can't run the shop without inventory on the shelf. MCAs fill the gap — and then never leave.
Insurance pay vs. customer pay timing
Body work for an insurance claim can take 30–60 days to fund. Customer-pay tickets clear faster but represent less revenue. The mismatch with daily MCA pulls creates a permanent squeeze.
MCA stacking after emergency repairs
AC compressor blows on the shop truck. Your main lift needs a $14K rebuild. You take an emergency MCA at terrible terms because the alternative is closing — and a year later you have three stacked on each other.
Debt relief services tailored to auto repair shops
Every plan is built around the specific cash-flow realities of your industry. Here's how we get you there.
Direct negotiation with your MCA funders
We step in as your advocate, communicate directly with every funder on your behalf, and renegotiate balances and payment schedules so your shop account can actually breathe.
- Reduce total balance owed
- Stop aggressive collection contact
- Pause or restructure daily pulls
Restructure stacked advances into one plan
Multiple MCAs hitting at once? We consolidate them into a single, predictable payment that matches the rhythm of your customer pay and insurance reimbursements — not a funder's daily ACH calendar.
- One payment, not five
- Aligned to revenue cycles
- Lower effective cost
Lump-sum or structured settlement
When the right opportunity comes — a strong quarter, an equipment refinance, an SBA approval — we settle balances for a fraction of what's owed and close the file for good.
- Settle for up to 70% less
- Permanent closure of accounts
- UCC liens released
Post-MCA rebuild & equipment financing
Once the debt is resolved, we help rebuild business credit, qualify for legitimate equipment loans and SBA programs, and put a wall between your shop and predatory funders.
- Business credit rebuild
- Equipment financing referrals
- Cash flow planning
See your potential monthly relief
Slide to your current MCA payment and we'll estimate the reduced payment we typically negotiate for auto repair shops.
Four steps from stressed to settled
Most auto repair shop clients are reviewed within 24 hours and on a reduced payment plan inside the first week.
Free consultation
A specialist who knows auto repair reviews your funders, balances, and revenue cycle — no fee, no commitment.
Custom strategy
We design a plan around your specific revenue cycle and fixed costs — not a one-size-fits-all template.
We negotiate
Our team takes over communication with every funder, negotiates terms, and gets the daily pulls under control.
Resolution
Balances are paid, settled, or restructured. You exit with a clean slate and a plan to stay there.
Auto Repair-specific FAQs
The questions we get most from auto repair shop owners.